💵 Personal Finance Pricing Comparison
Compare pricing across 24 personal finance tools. 15 offer free plans.
24 Tools Compared
15 Free Plans
$0.25 Lowest Paid
Free Personal Finance Tools (15)
| Tool | Rating | Free Plan | Paid Plans | Best For |
|---|---|---|---|---|
| Mint | ★ 4.2 | ✓ Free | Premium: $4.99/mo, Enterprise: Custom | budget beginners, individuals |
| Empower (Personal Capital) | ★ 4.3 | ✓ Free | Wealth-management: $0.89/mo, Enterprise: Custom | investors, high net worth individuals |
| Robinhood | ★ 4.1 | ✓ Free | Gold: $5/mo, Enterprise: Custom | beginner investors, mobile traders |
| Plaid | ★ 4.2 | ✓ Free | Production: $0/mo, Growth: Custom, Enterprise: Custom | fintech startups, banking apps |
| Wise | ★ 4.6 | ✓ Free | Personal: $0/mo, Business: $0/mo, Enterprise: Custom | digital nomads, freelancers |
| PayPal | ★ 4.1 | ✓ Free | Personal: $0/mo, Business: $0/mo, Transaction: $2.99/mo | freelancers, ecommerce sellers |
| Venmo | ★ 4.2 | ✓ Free | Instant Transfer: $1.75/mo, Credit Card: $3/mo | friends splitting bills, young adults |
| Actual Budget | ★ 4.5 | ✓ Free | Self Hosted: $0/mo | budget conscious individuals, self hosters |
| Ghostfolio | ★ 4.3 | ✓ Free | Premium: $5.99/mo | privacy focused investors, self hosters |
| Maybe Finance | ★ 4.2 | ✓ Free | Self Hosted: $0/mo | self hosters, privacy focused individuals |
| PocketGuard | ★ 4.2 | ✓ Free | Plus: $7.99/mo | budget beginners, overspenders |
| Goodbudget | ★ 4.1 | ✓ Free | Plus: $10/mo | couples, families |
| EveryDollar | ★ 4.3 | ✓ Free | Premium: $17.99/mo | dave ramsey followers, debt payoff focused |
| Empower Personal Dashboard | ★ 4.3 | ✓ Free | Wealth-management: Custom | investors, retirement planners |
| Honeydue | ★ 3.8 | ✓ Free | Free only | couples, shared budgeting |
Full Pricing Comparison
| # | Tool | Rating | Free? | Plans & Pricing |
|---|---|---|---|---|
| 1 | Mint | ★ 4.2 | ✓ | Free: $0 | Premium: $4.99/mo | Enterprise: Custom |
| 2 | Empower (Personal Capital) | ★ 4.3 | ✓ | Free: $0 | Wealth-management: $0.89/mo | Enterprise: Custom |
| 3 | Robinhood | ★ 4.1 | ✓ | Free: $0 | Gold: $5/mo | Enterprise: Custom |
| 4 | Plaid | ★ 4.2 | ✓ | Free: $0 | Production: $0/mo | Growth: Custom | Enterprise: Custom |
| 5 | Wise | ★ 4.6 | ✓ | Free: $0 | Personal: $0/mo | Business: $0/mo | Enterprise: Custom |
| 6 | PayPal | ★ 4.1 | ✓ | Free: $0 | Personal: $0/mo | Business: $0/mo | Transaction: $2.99/mo |
| 7 | Venmo | ★ 4.2 | ✓ | Free: $0 | Instant Transfer: $1.75/mo | Credit Card: $3/mo |
| 8 | Actual Budget | ★ 4.5 | ✓ | Free: $0 | Self Hosted: $0/mo |
| 9 | Ghostfolio | ★ 4.3 | ✓ | Free: $0 | Premium: $5.99/mo |
| 10 | Maybe Finance | ★ 4.2 | ✓ | Free: $0 | Self Hosted: $0/mo |
| 11 | PocketGuard | ★ 4.2 | ✓ | Free: $0 | Plus: $7.99/mo |
| 12 | Goodbudget | ★ 4.1 | ✓ | Free: $0 | Plus: $10/mo |
| 13 | EveryDollar | ★ 4.3 | ✓ | Free: $0 | Premium: $17.99/mo |
| 14 | Empower Personal Dashboard | ★ 4.3 | ✓ | Free: $0 | Wealth-management: Custom |
| 15 | Honeydue | ★ 3.8 | ✓ | Free: $0 |
| 16 | Wealthfront | ★ 4.4 | ✗ | Advisory-fee: $0.25/mo | Enterprise: Custom |
| 17 | Acorns | ★ 4.2 | ✗ | Bronze: $3/mo | Silver: $6/mo | Gold: $12/mo |
| 18 | Lunch Money | ★ 4.4 | ✗ | Standard: $10/mo |
| 19 | Copilot Money | ★ 4.6 | ✗ | Monthly: $10.99/mo | Yearly: $69.99/mo |
| 20 | YNAB | ★ 4.6 | ✗ | Monthly: $14.99/mo | Annual: $109/mo |
| 21 | Monarch Money | ★ 4.7 | ✗ | Core_monthly: $14.99/mo | Core_annual: $99.99/mo | Plus_annual: $199/mo |
| 22 | QuickBooks Online | ★ 4.2 | ✗ | Solopreneur: $20/mo | Simple-start: $38/mo | Essentials: $75/mo | Plus: $115/mo | Advanced: $275/mo |
| 23 | Simplifi by Quicken | ★ 4.1 | ✗ | Annual: $71.88/mo |
| 24 | Tiller Money | ★ 4.3 | ✗ | Annual: $79/mo |
How to Choose the Right Personal Finance Tool
- Start free: 15 tools offer free plans — try before you commit.
- Consider team size: Pricing often scales with users. A tool cheap for 1 person may be expensive for 50.
- Check annual discounts: Most tools offer 15-30% off when paying annually vs monthly.
- Compare features at each tier: The cheapest plan may lack the feature you need most.