Budget apps compared | Balans.finance

Which app fits you

Several currencies: Balans.finance. One account can hold several currencies, each with its own balance. See the table's "Accounts in different currencies" column.
Automatic bank sync: YNAB, Monarch, Zenmoney, Spendee. YNAB syncs banks in the US, Canada, the UK and the EU, Monarch 13,000+ institutions in the US and Canada, Zenmoney 3,300+ banks and Spendee 2,500+ banks. Balans.finance imports statement files instead. See the table's "Statement import" column.
Zero-based budgeting: YNAB, Actual Budget, Lunch Money. YNAB is built on giving every dollar a job, and Actual Budget's default envelope budget assigns all income until "To budget" is 0; Lunch Money does it with rollovers on, budgeting until "Left to Budget" reaches zero. See the table's "Zero-based budgeting" column.
Forecasting: PocketSmith. Daily balance forecasts, 6 months ahead on the free plan and years ahead on paid plans. Balans.finance looks three months ahead, or a year on paid plans. See the table's "Forecasting" column.
Connecting your own AI assistant: Balans.finance, Wallet by BudgetBakers, PocketSmith, Monarch. Each has its own MCP server for Claude and other AI assistants. See the table's "Your own AI assistant" column.

What each app offers was read off its own pages on 2026-11-07, 2026-11-08, and 2026-11-09.
App	Accounts in different currencies	Totals in one base currency	Statement import	Receipt scanning	Zero-based budgeting	Forecasting	Your own AI assistant	Free plan	Price
Balans.finance	Yes. One account can hold several currencies, each with its own balance.	Yes, automatic. Each transaction is converted at the exchange rate of its own day.	Excel (XLSX), CSV and PDF files from any bank; a layout it has not seen before is mapped by AI. No bank connection.	Yes. AI reads the store, date, items and amounts into categorised expenses.	No. A budget sets a target for each category; income does not have to be assigned in full.	Yes. Where your total balance is heading, from its recent trend: three months ahead on every plan, and a year ahead on paid plans.	Yes. Connect Claude or another MCP client that supports OAuth to its MCP server, once you approve access. No built-in chat.	Yes, with no time limit: 3 receipt scans a month and 1 statement import a month.	Starter: €3.99 a month or €39.00 a year
YNAB	No. A plan has one currency; its guide suggests a separate plan per currency.	No built-in conversion. It points to third-party converters.	CSV, OFX, QFX and QIF files. Bank sync in the US, Canada, the UK and the EU.	Not mentioned. A photo can be attached to a transaction.	Yes. Every dollar you have is assigned to a category before you spend it.	No balance forecast is mentioned. Scheduled transactions show the expenses coming up.	No official connection. A public API; the MCP servers it lists are community projects.	No. A 34-day free trial.	US$14.99 a month or US$109 a year, plus tax.
Wallet by BudgetBakers	Yes, 170+ currencies, one currency per account.	Yes. Rates update automatically each night, or you enter your own.	CSV, XLS, XLSX and OFX files, in the web app. Bank sync on Premium.	Yes. Receipts are read with OCR and AI.	No. A budget caps spending in chosen categories.	Yes. The expected balance after upcoming planned payments, and a balance forecast. No horizon is given.	Yes. An official MCP server for Claude, ChatGPT and other clients, and a REST API.	Yes, for manual tracking. Its limits are not stated.	Premium, monthly, yearly or lifetime. Prices are shown in the app, not on its website.
Toshl Finance	Yes. Each account has its own currency, from more than 200.	Yes. Rates are fetched every hour, or you enter your own.	CSV, XLS, OFX, QFX, QIF, TSV and TXT files. Bank sync on Medici.	No. Up to 4 photos can be attached to an entry on Pro and Medici.	No. Budgets are set per category, tag or account, and can fill up from income.	Yes, on Pro and Medici. Planning graphs of future balances, income and expenses.	No AI-assistant connection is mentioned. A public API.	Yes: 2 accounts and 2 budgets. A 30-day trial of the paid plans.	Pro: US$2.99 a month or US$19.99 a year. Medici: US$4.99 a month or US$39.99 a year.
Spendee	Yes. Each wallet has its own currency.	Yes, in your main currency. A rate can be set on a transaction.	XLS, XLSX and CSV files, in the web app. Bank sync with 2,500+ banks.	Yes, on Premium. AI fills in the amount and category from a photo.	No. A budget sets a spending limit on chosen categories.	No forecast is mentioned. Scheduled transactions are listed ahead of their dates.	No AI-assistant connection or public API is mentioned.	Yes: 1 cash wallet and 1 budget. A 7-day trial of the paid plans.	Plus: US$1.99 a month or US$14.99 a year. Premium: US$5.99 a month or US$35.99 a year. Prices may differ by country.
Lunch Money	Yes, 160+ currencies.	Yes, automatic, at the rate of each transaction's date.	CSV and PDF files. Bank sync through Plaid in the US, Canada and parts of Europe.	Not mentioned. Files and photos can be attached to a transaction.	Yes, as an option. With rollovers on, you budget until "Left to Budget" reaches zero.	Partly. A period's income and expenses are projected from unpaid recurring items. No balance forecast is mentioned.	No official connection. A public API; the MCP servers it lists are community projects.	No. A 30-day free trial.	US$10 a month or US$100 a year.
PocketSmith	Yes. Each account has its own currency.	Yes, automatic, at daily rates.	OFX, QFX, QIF and CSV files; not PDF. Bank feeds on paid plans.	Not mentioned. Photos and files can be attached, also by email.	No. Its guide says it is not designed for envelope or zero-based budgeting.	Yes, daily balances. 6 months ahead on the free plan; 10, 30 or 60 years on paid plans, by its plans page. Its forecast page says up to 30 years.	Yes. Its own MCP server, listed in Claude and ChatGPT, and a public API.	Yes: 2 accounts and 12 budgets, with manual imports only.	Foundation: US$14.95 a month, or US$9.99 a month billed yearly. Flourish: US$24.95, or US$16.66. Fortune: US$39.95, or US$26.66.
Money Lover	Yes. Each wallet has its own currency.	Not mentioned on its website.	No file import is mentioned. Paid bank sync in selected Asian countries.	Yes, in beta. AI reads a receipt photo into a transaction.	No. A budget is a spending limit for a category over a period.	Partly. Each budget projects its spending to the end of the period. No balance forecast is mentioned.	No AI-assistant connection or public API is mentioned. A built-in AI assistant.	Yes: 1 wallet, with ads. A 14-day Premium trial.	Premium: US$19.99 once. Bank sync: US$2.99 a month, separately. Prices from its App Store listing; its website shows none.
Zenmoney	Yes. Each account has its own currency.	Yes, in your main currency.	CSV files, through the old web version. Sync with 3,300+ banks.	Fiscal receipt QR codes only, in Russia, Kazakhstan, Uzbekistan, Montenegro and Moldova.	No. A budget sets limits per category; income left over can stay unassigned.	Partly. AI predicts each category's spending from your history. No balance forecast is mentioned.	No AI-assistant connection is mentioned. A public API and a built-in AI assistant.	Yes, for manual entry.	Monthly, yearly or lifetime; prices are shown in the app and may vary by country.
CoinKeeper	Yes, any currency, with unlimited accounts on the free plan.	Yes, automatic, and the converted amount can be edited.	No CSV or OFX import. Russian bank import on Platinum; AI reads PDF statements on Platinum PLUS.	Not mentioned on its website.	No. A budget is a spending limit for a category.	Yes, of capital. Future net worth, with inflation and returns. No balance or cash-flow forecast is mentioned.	No AI-assistant connection or public API is mentioned. A built-in AI on Platinum PLUS.	Yes: 10 categories and 1 income source.	Platinum: 399 ₽ a month, 1 490 ₽ a year or 2 990 ₽ once. Platinum PLUS: 599 ₽ a month, 2 490 ₽ a year or 14 990 ₽ once.
Monarch	No. Every amount is shown with a $ sign; USD or CAD accounts are recommended.	No. Amounts in different currencies are added without conversion.	CSV files, on the web. Bank sync with 13,000+ institutions in the US and Canada.	Yes. AI reads a receipt photo or a forwarded receipt email and matches it to a transaction.	Partly. Budgets are flex or per category; its guide says you can budget zero-based using "left to budget".	Yes, on Plus. Net worth and yearly cash flow, projected to age 90 by default.	Yes. Its own MCP server for Claude, ChatGPT and other AI tools, and a built-in AI assistant. No public API is mentioned.	No. A 7-day free trial.	Core: US$14.99 a month or US$99.99 a year. Plus: US$199.99 a year.
Dollarwise	Not mentioned on its website.	Not mentioned on its website.	No file import is mentioned. Bank sync through Quiltt and Plaid, built for US banks.	Not mentioned on its website.	No. Budgets follow the 50/30/20 split of needs, wants and savings.	No balance or cash-flow forecast is mentioned. It projects the date you will be free of debt.	No AI-assistant connection or public API is mentioned. Its app listing describes AI-enhanced insights; its website says insights come from rules.	No. A free trial; its length is not stated.	US$14.99 a month, or US$9.99 a month for the first 3 months. US$99.99 a year on its website; US$89.99 a year in the App Store.
Actual Budget	No. Its docs say it is currency-agnostic and does not support several currencies; a workaround tags an account with its currency in the notes or the name.	No. An experimental workaround converts foreign transactions with rules, at an exchange rate you type in.	CSV, QIF, OFX, QFX and CAMT files. Bank sync with your own keys through SimpleFIN (North America), Enable Banking (Europe), Akahu (New Zealand) and Pluggy.ai (Brazil).	Not mentioned on its website or in its docs.	Yes. Its default envelope budget assigns all your income to categories until "To budget" is 0.	Yes, as an experimental report. Daily or monthly balances projected from scheduled transactions or a tracking budget's plans. No horizon is given.	No official connection. A Node.js API package that works on a local copy of your data; the MCP servers its docs list are community projects.	Yes. Free and open source under the MIT licence.	Free. A hosted sync server costs about US$2 a month on PikaPods or US$1.50 a month on Fly.io, according to its GitHub page.

Where these facts come from

Every fact about another app comes from that app's own pages - its website, help centre, developer documentation or app-store listing - read on 2026-11-07, 2026-11-08, and 2026-11-09. Where its pages do not mention something, the table says so rather than guessing. Each app's page lists the pages it was read from.

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