We put them side by side on price, bank sync, how far ahead each can see, which currencies it speaks and who you can share with. Where another app is the better pick, we say so.
The short version
Swipe through the next two years like a map of your money — every bill, every paycheck, your balance before each payday. Put a trip, a bonus or a new rent on it and see what it does to the two years — like a flight simulator: if there's a mountain, you find out on the screen, not in the air. Ask what buying something today does to a month a year and a half away, then decide. Ten thousand in the account doesn't mean ten thousand to spend. The closest app shows one year. Most stop at the end of the month.
Pick a month, the year so far, or any two dates. See what you spent, how it compares with the time before, and where it went — category, then what kind, then which shop, then the single transaction. Wrong entry? Fix it right there. The whole dashboard is on every plan, including Free.
Type it. Write it the way you'd say it. Snap a receipt. Upload a statement as a photo, PDF, CSV or Excel file. Or connect a bank. Other apps are manual or bank-linked. Marvin is both.
Priced in 191 countries, in your own money — 150+ currencies. Share a bill with someone in your household, with a larger group on a trip, or with someone in another country — each of you sees your own currency.
Ask if you can afford something and Marvin answers from your bills, your paychecks and your balance — two years out. Want a human instead? Say so in the chat and a support ticket opens — no forms, no email.
Side by side
Prices in US dollars as each company publishes them. Green means yes. Amber means partly, or only on a higher plan. Grey means no.
Swipe sideways to see every column.
| App | Price | Free plan | Where it works | Bank connection | Works without a bank | Reads receipts & statements | Looks ahead | Bill reminders | Sharing | Currencies | Investments | Talk to it |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Marvin Money | US$5.99 · 7.99 · 10.99 /moCA$7.99 · 9.99 · 12.99 · monthly only | Yes | Worldwidepriced in 191 countries | Optional · Pro+ · US & Canada | Yes, every plan | Photo, PDF, CSV, ExcelStarter and up | 2 years, before every paydayswipe through it, edit in place · Starter and up | Evening before and morning of | 2 · 5 · unlimited peopleStarter · Pro · Pro+ · each in their own currency | 150+ · yours, in any country | No | Yes, on your own numbersPro and up · help & tickets on every plan |
| YNAB | $14.99 /mo$109 /yr · 34-day trial | No | Sync in US, Canada, UK, 18 EU countriesfile import anywhere | Optional | Yes | File import onlyCSV, QFX, OFX, QIF · web and iPad | This month only, by design | No upcoming-bill alert | Up to 6, own logins | One per plan | Balances only | None in the app |
| Monarch | $14.99 /mo$99.99 /yr · Plus $199.99 /yr · 7-day trial | No | US & Canadabilled in USD | Optional | Yes | Receipts yes · CSV on web only | Long-range, on Plus ($199.99 /yr)"directional accuracy" | 3 days before | Partner included | None¥1,000 shows as $1,000 | Yes, in depth | Yes |
| Copilot Money | $13 /mo$95 /yr · 1-month trial | No | US onlyMac, iPhone, iPad, web · no Android | Required | No | No import of any kind | Up to today | Low balance, big spendno due-date alerts | One shared login | USD only | Yes | Yes, in beta |
| Cleo | Plus $5.99 · Pro $8.99 · Builder $14.99 /moPlus $44.99 /yr | Yes | US & UK | Required | No — no manual entry, no uploads | No | No | Can't set reminders | No | No | No | Yes, a coachadvances $20–250 · express fee $4.49–14.99 |
| Lunch Money | $10 /moor pay what you want, from $60 /yr · 30-day trial | No | Sync in 19 countriesweb first; companion phone app | Optional | Yes | CSV · PDF via a third partyno receipts | This period only | None built in | Unlimited, own logins | 160+ | Net worth | None, by policy |
| Goodbudget | $10 /mo$80 /yr · no trial | Yes10 envelopes, 1 account | Anywheresync US only | Optional · Premium · US only | Yes | QFX, OFX, CSVno receipts | No | Email, X days before | One shared login2–5 devices | One, no symbol | No | No |
| EveryDollar | $17.99 /mo$79.99 /yr · 14-day trial | Yes | US onlyfree web version elsewhere | Optional · Premium | Yes | No import of any file | This month | Due dates | Couples, own logins | No | Net-worth roadmap, Premium | No |
| PocketGuard | $12.99 /mo$74.99 /yr · 7-day trial | Yes, limits not published | US & Canada | Optional | Cash accounts, on Plus | CSV · receipts attach onlyPlus | To the end of the month | Not documented | One shared login | One | Net worth | Support bot |
| Rocket Money | Pay what you want, about $7–14 /mo7-day trial | Yes | US onlyweb on Premium only | Required | Premium, phone only | No | To the next payday | Yes | 2 people, Premium | No | Net worth, Premium | "Coming"bill negotiation fee 35–60% of savings |
| Quicken Simplifi | $83.88 /yr ($6.99 /mo), annual only$47.88 first year · no trial | No | US & Canadaone currency at a time | Optional | Yes | Receipts yes · CSV on web only | Up to 1 year | Yes | 1 extra person | USD or CAD, not both | Yes | Yes, in beta |
| Excel / Google Sheets | FreeMicrosoft 365 from $9.99 /mo · Tiller sync $99 /yr | Yes | Anywhere | None built inTiller add-on, US only | Everything is by hand | No | Whatever you build | No | Shared file | If you build it | If you build it | Generic AI, not your budget |
Prices as published by each company on 20 August 2026, in US dollars unless shown. Marvin Money's prices in other countries are on the pricing page. PocketGuard shows Canadian visitors CA$17.99 a month or CA$103.99 a year. Rocket Money lets you pick your price; the range is from their own January 2026 post.
Mint shut down on 23 March 2024. Intuit sent users to Credit Karma, which does not offer monthly budgets or custom categories.
Where Marvin is the better pick
Marvin lays the next two years out as one timeline you swipe through — every bill, every paycheck, and your balance before each payday. Think Google Maps for your money: you see the road before you set off. If a bill is wrong, move it, skip it or change it right there, and the whole two years updates. It handles any number of paychecks on any schedule — weekly, every two weeks, monthly, yearly or one-off — plus a second job or side income, and lets you adjust a single payday when it's different.
Pilots train in a simulator so the first mountain they hit isn't a real one. Marvin's timeline is that for your money. Put the trip, the bonus, the new rent or the contract that ends in June on it and watch what it does to the two years ahead. If a payday goes short next August, you see it now — on the screen, not in your account. Then you change the plan, or take the idea off again, before any of it happens.
Quicken Simplifi projects up to a year ahead. Monarch projects long-range net worth on its $199.99-a-year plan and calls it directional. Everyone else stops at the end of the month or the next payday — YNAB says so on purpose.
On Marvin this starts at Starter, US$5.99 a month.
Ask Marvin what buying something today does to the months ahead, and you see the effect on every payday for the next two years — built on how you actually spend, not an average — the one that gets tight next spring, the one that goes short a year and a half from now. Then you go ahead, or you don't — today, while it's still a choice. Ten thousand in the account doesn't mean ten thousand to spend; Marvin shows what's already spoken for. The other apps can't see that far.
Asking Marvin is on Pro and Pro+.
One number at the top: what you spent this month, and how that compares with last month. Under it, where it went. Tap Groceries, then what kind, then which shop, then the single transaction — and move or delete it right there. Beside that, a month-by-month chart you tap to jump back to any month, a map of your spending by size, and a split by how you paid — card, cash, whatever you tagged. Marvin adds one line on what drove it: your biggest category, what most of it was, across how many places. Pick last month, three months, the year so far or any two dates, and all of it follows. Pick next month and the bills already planned fill it in.
Copilot, PocketGuard, Simplifi and Goodbudget show it in one currency. Monarch shows ¥1,000 as $1,000. Most of the others stop at the end of this month, so next month stays blank until it happens.
On every plan, including Free.
Type an expense. Write it the way you'd say it. Snap a receipt. Upload a statement as a photo, PDF, CSV or Excel file, even password-protected. Or connect a bank. Cleo, Copilot and Rocket Money need a bank link to work. EveryDollar and Copilot import no files. Monarch and Simplifi take CSV on the web only. Only Monarch and Simplifi read receipts.
Bank connection is optional, on Pro+, in the US and Canada.
Marvin is priced in 191 countries and speaks 150+ currencies, so you see your own. Monarch shows ¥1,000 as $1,000 — their words. Copilot, PocketGuard, Simplifi and Goodbudget handle one currency. Lunch Money handles many, but has no way to share a bill. Marvin lets you split a bill with your household, a group of friends on a trip, or someone in another country — and each person sees it in their own currency.
Two nudges for every bill: one the evening before it's due, one that morning. YNAB has no upcoming-bill notification. Copilot says due-date alerts are not supported. Lunch Money documents none. Cleo can't set reminders.
On iPhone and Android.
Ask Marvin if you can afford something and it answers from your bills, your paychecks and your balance. Ask how Marvin works and it answers that too. Want a human instead? Say so in the chat and a support ticket opens for our team — no forms, no email, no leaving the app. YNAB's ChatGPT app can't see your accounts. Lunch Money has no AI by policy. Cleo talks, but can't take a typed expense, a receipt or a statement, or set a reminder.
Conversation is on Pro and Pro+. Help answers and support tickets work on every plan.
Starter is US$5.99 a month, CA$7.99 in Canada, billed monthly — stop any month. YNAB and Monarch are $14.99 a month. For that, YNAB shows you this month; Monarch's look ahead is on its $199.99-a-year plan and calls itself directional. Starter shows two years, before every payday, editable in place. Neither takes a PDF or Excel statement; Starter reads photos, PDFs, CSV and Excel. YNAB has no upcoming-bill alert; Starter reminds you the evening before and the morning of. Both live in one currency; Starter speaks 150+, and a bill shared with one other person shows in their currency, not yours.
Simplifi is annual only. Cleo Plus is the same $5.99, and works only in the US and UK. Lunch Money comes out cheaper across a year, if you pay the year up front.
Where another app is the better pick
Marvin doesn't track portfolios or property, and that's on purpose. Cash is what keeps a household running — the same as a company or a government. You can own a lot, or be profitable on paper, and still not make rent on the 28th. Marvin is built around the cash: what comes in, what goes out, and what's left before the next payday. For tracking what you own, Monarch, Simplifi and Copilot do it well.
If you want an app that refuses to let you spend money you haven't assigned, these are built for exactly that. Marvin has the envelope picture too: every planned bill sits in its category, and a meter shows what you've actually spent against it — over, under, or never planned — down to the shop, with a line from Marvin on what drove it (Pro and up). What Marvin won't do is stop you. It doesn't make you assign every last dollar, because cash needs room to move; it shows you what will happen.
Marvin is global. The bank connection is the one part that isn't everywhere yet: it runs on Plaid, which isn't available in every country, so today it's the US and Canada on Pro+, with more countries coming. YNAB syncs in the UK and 18 EU countries; Lunch Money in 19. Everywhere else, upload your bank or credit card statement and Marvin reads it — you get the same picture, without a bank login.
Rocket Money finds and negotiates bills on your behalf, for 35–60% of the first year's savings. Marvin shows you every recurring bill; ask Marvin and it will help you decide what to drop, and take it off your plan right there. Cancelling with the company is still yours to do.
Cleo offers advances of $20–250, with express fees of $4.49–14.99. Marvin never lends and never nudges you to spend. It tells you two years ahead so you're less likely to need the advance.
A spreadsheet costs nothing and bends any way you like. Marvin's Free plan covers manual entry and this week's view; the two-year view starts at Starter.
App by app
Questions people ask
There is a Free plan: add expenses by hand, the full spending dashboard, this week on the timeline, and help answers in chat. Paid plans start at US$5.99 a month (CA$7.99) and add receipt and statement reading, the two-year view and bill reminders. Every plan is monthly. There's a 7-day trial of Pro with no card needed on the web.
No. Type expenses, write them the way you'd say them, snap a receipt or upload a statement as a photo, PDF, CSV or Excel file. Connecting a bank is optional, available on Pro+ in the US and Canada, and Marvin works fully without it.
Marvin works without a bank on every plan — type it, snap a receipt or upload a statement. YNAB, Lunch Money, Goodbudget, EveryDollar and Quicken Simplifi also work without a link, and PocketGuard does on its Plus plan with cash accounts. Cleo, Copilot Money and Rocket Money need a bank link to work.
Marvin handles 150+ currencies and can split one bill across currencies so each person sees their own. Lunch Money handles 160+ but can't share a bill. YNAB is one currency per plan. Monarch, Copilot, PocketGuard, Goodbudget and Quicken Simplifi work in one currency at a time — Monarch's help page says ¥1,000 shows as $1,000.
Yes — on every plan, including Free. The dashboard shows what you spent in any period — this month, last month, three months, the year so far or any two dates — how it compares with the period before, and where it went: by category, then what kind, then which shop, then the single transaction. You can move or delete an entry right there. There's a month-by-month chart, a map of your spending by size, and a split by how you paid. All of it is in your own currency.
Yes — that's what the timeline is for. Put the purchase on the date you'd pay it and the two years update. If a payday goes short next spring, you see it on the screen, not in your account. Don't like it? Take it off again. Or ask Marvin whether you can afford it, and it answers from your own numbers. The timeline is on Starter and up; asking Marvin is on Pro and Pro+.
Yes. Marvin speaks 150+ currencies and is priced in 191 countries, so you see your own money. Everything except the optional bank connection works everywhere.
Marvin shows your balance before every payday for the next two years. Quicken Simplifi projects balances up to a year ahead. Monarch's Plus plan projects long-range net worth. YNAB, Copilot, Lunch Money, PocketGuard, EveryDollar, Goodbudget and Cleo stop at the end of the month or the next payday.
Mint closed on 23 March 2024 and sent users to Credit Karma, which doesn't offer monthly budgets or custom categories. If you used Mint for budgeting and want to see what's coming rather than what's gone, Marvin is built for that.
On the web at app.marvinmoney.com, and on iPhone and Android — see the download page. Same account, same timeline, everywhere.
Every competitor fact was read from that company's own pricing or help pages on 20 August 2026. Prices and features change. If you find one that has, tell us and we'll fix it. Read why we built this page →
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YNAB, Monarch, Copilot Money, Cleo, Lunch Money, Goodbudget, EveryDollar, PocketGuard, Rocket Money, Quicken Simplifi, Mint, Excel and Google Sheets are trademarks of their respective owners. Marvin Money is not affiliated with any of them. Competitor details are taken from each company's public pricing and help pages on 20 August 2026 and may have changed since.