Mint is no longer available, but its former dashboard, transaction tracking and budgeting functions are now spread across products with different prices and workflows. This comparison does not name a universal winner; it helps readers choose the workflow they actually need.
How this comparison was checked
Prices, trial terms, sharing, bank connectivity and free-plan limits were checked against public provider pages on October 3, 2026. Availability, tax and app-store terms can vary. This is a desk comparison, not a controlled hands-on test.
Plan & Multiply is our product. We do not receive affiliate revenue from the other providers listed here, but our description of Plan & Multiply is not an independent recommendation.
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Current plans at a glance
- Monarch Core: $99.99 per year after a 7-day trial. Monarch Plus: $199.99 per year. Monarch focuses on connected accounts, reporting, net worth and household collaboration.
- YNAB: $109 per year or $14.99 per month in the US, plus applicable tax. Direct signup includes a 34-day trial and one subscription can be shared by up to six people.
- Plan & Multiply: limited free manual plan without bank connection. Premium expands limits, history, shared editing and synchronization; local app-store checkout determines price and tax.
- Goodbudget: Free includes 10 regular plus 10 more envelopes, 1 account, 2 devices and 1 year of history. Premium is $10 per month or $80 per year and adds US bank sync and higher limits.
- PocketGuard Premium: $74.99 per year, $12.99 per month or $149.99 lifetime in US dollars, with a 7-day trial. Its public pricing page lists connectivity for US and Canadian institutions.
Monarch: connected financial overview
Monarch Core combines account connections, budgets, net-worth tracking, reports, goals and partner access. Plus adds forecasting, business tracking and advanced investment analysis. Test institution coverage during the trial and verify the current checkout price before subscribing.
YNAB: active planning method
YNAB centers on assigning available money to priorities and adjusting the plan as circumstances change. Direct import supports selected institutions; manual and file-based workflows are also available. Eligible college students can apply for a 365-day trial with proof of enrollment.
Plan & Multiply: manual 3F envelopes without bank connection
Plan & Multiply uses manual entries and the 3F structure: Fixed, Flexible and Future. Core budgeting works offline. Free includes budget envelopes, savings goals, partner invitation and read-only access; Premium expands limits and enables shared editing and synchronization.
Goodbudget: digital envelope workflow
Goodbudget is organized around digital envelopes. The permanent free plan has separate allowances for 10 regular and 10 more envelopes. Premium adds unlimited envelopes and accounts, 5 devices, 7 years of history and automatic bank sync for US banks.
PocketGuard: connected leftover tracking
PocketGuard emphasizes connected accounts, bills, category budgets and leftover-money tracking. Its pricing page lists yearly, monthly and lifetime Premium options. Verify that your institutions connect reliably during the trial.
Choose by workflow, not by rank
- Choose a connected dashboard if automatic account aggregation and net-worth reporting are the priority.
- Choose an active planning method if you are willing to assign money and maintain the plan regularly.
- Choose manual envelopes if avoiding bank connection matters more than automatic transaction import.
- Compare household access carefully: invitation, read-only access and shared editing are not the same feature.
- Check current checkout terms, supported institutions and cancellation rules immediately before paying.
Limits of this comparison
This page compares published plans and workflows. It does not measure reliability with every bank, long-term behavior change, support quality or personal financial outcomes. Those depend on location, institutions, setup and continued use.