How the apps are ranked
Each app scores one point for each criterion below that its own pages show it meets. Apps with the same score share a place and are listed by name.
- Free plan: There is a free plan with no time limit. YNAB has a free trial only.
- Cheaper than YNAB: A paid plan costs less a year than YNAB's. An app whose own pages print no price does not meet this.
- Several currencies: Accounts can be kept in different currencies. A YNAB plan holds one currency.
- Phone apps: There are apps for iPhone and Android, as YNAB has.
- Bank sync: Transactions arrive from the bank by themselves, as they do with YNAB's direct import.
We make Balans.finance. It is scored by the same criteria as every other app here and placed where its score puts it.
The ranking
1. Money Lover
A one-off Premium price, wallets in their own currencies, and apps for iPhone, Android, Mac and the web. Its bank sync is a paid add-on in selected Asian countries, and its pages describe no file import.
Criteria met: 5 of 5 (Free plan; Cheaper than YNAB; Several currencies; Phone apps; Bank sync).
1. Spendee
A free plan, paid plans far below YNAB's price, and bank sync with more than 2,500 banks. Its pages do not describe a transfer between two currencies.
Criteria met: 5 of 5 (Free plan; Cheaper than YNAB; Several currencies; Phone apps; Bank sync).
1. Toshl Finance
A free plan, paid plans far below YNAB's price, more than 200 currencies and bank sync on Medici.
Criteria met: 5 of 5 (Free plan; Cheaper than YNAB; Several currencies; Phone apps; Bank sync).
4. CoinKeeper
Free with unlimited accounts in any currency, and Platinum costs a fraction of YNAB's yearly price. Its bank import covers Russian banks.
Criteria met: 4 of 5 (Free plan; Cheaper than YNAB; Several currencies; Phone apps).
4. Lunch Money
Cheaper than YNAB, with more than 160 currencies and bank sync in the US, Canada and parts of Europe. Like YNAB, it has a trial rather than a free plan.
Criteria met: 4 of 5 (Cheaper than YNAB; Several currencies; Phone apps; Bank sync).
4. PocketSmith
A free plan, bank feeds in 49 countries and cash-flow forecasting. Its paid plans cost more a year than YNAB's.
Criteria met: 4 of 5 (Free plan; Several currencies; Phone apps; Bank sync).
4. Wallet by BudgetBakers
A free plan, more than 170 currencies and bank sync through open banking. Its prices are shown only in the app.
Criteria met: 4 of 5 (Free plan; Several currencies; Phone apps; Bank sync).
4. Zenmoney
Free for manual entry, with transfers that keep an amount in each currency and sync with more than 3,300 banks. Its prices are shown only in the app.
Criteria met: 4 of 5 (Free plan; Several currencies; Phone apps; Bank sync).
9. Balans.finance
A free plan, a lower price and several currencies in one account, with AI receipt reading and Excel, CSV and PDF statement import. It has no bank sync and, until its Android app ships, no phone app; if those matter most to you, an app that has them serves you better.
Criteria met: 3 of 5 (Free plan; Cheaper than YNAB; Several currencies).
9. Dollarwise
Bank sync and a 50/30/20 budget for US accounts, for less a year than YNAB. There is no free plan, and its pages do not mention currencies.
Criteria met: 3 of 5 (Cheaper than YNAB; Phone apps; Bank sync).
9. Monarch
Bank sync with more than 13,000 institutions in the US and Canada, for less a year than YNAB. There is no free plan, and it does not convert between currencies.
Criteria met: 3 of 5 (Cheaper than YNAB; Phone apps; Bank sync).
12. Actual Budget
Free and open source, with bank sync through SimpleFIN, Enable Banking, Akahu and Pluggy.ai on your own keys. There is no official phone app, and its docs say it does not support several currencies.
Criteria met: 2 of 5 (Free plan; Bank sync).
The facts behind the scores
| App | Free plan | Price | Accounts in different currencies | Platforms | Statement import |
|---|---|---|---|---|---|
| Money Lover | 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. | Yes. Each wallet has its own currency. | iPhone, Android, Mac, Apple Watch and web on a computer. | No file import is mentioned. Paid bank sync in selected Asian countries. |
| Spendee | 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. | Yes. Each wallet has its own currency. | iPhone, Android and web. | XLS, XLSX and CSV files, in the web app. Bank sync with 2,500+ banks. |
| Toshl Finance | 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. | Yes. Each account has its own currency, from more than 200. | iPhone, Android and web. | CSV, XLS, OFX, QFX, QIF, TSV and TXT files. Bank sync on Medici. |
| CoinKeeper | 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. | Yes, any currency, with unlimited accounts on the free plan. | iPhone, Android, and web on Platinum. | No CSV or OFX import. Russian bank import on Platinum; AI reads PDF statements on Platinum PLUS. |
| Lunch Money | No. A 30-day free trial. | US$10 a month or US$100 a year. | Yes, 160+ currencies. | Web, with companion apps for iPhone and Android. | CSV and PDF files. Bank sync through Plaid in the US, Canada and parts of Europe. |
| PocketSmith | 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. | Yes. Each account has its own currency. | Web, with companion apps for iPhone and Android, and a desktop beta. | OFX, QFX, QIF and CSV files; not PDF. Bank feeds on paid plans. |
| Wallet by BudgetBakers | Yes, for manual tracking. Its limits are not stated. | Premium, monthly, yearly or lifetime. Prices are shown in the app, not on its website. | Yes, 170+ currencies, one currency per account. | iPhone, iPad, Android and web. | CSV, XLS, XLSX and OFX files, in the web app. Bank sync on Premium. |
| Zenmoney | Yes, for manual entry. | Monthly, yearly or lifetime; prices are shown in the app and may vary by country. | Yes. Each account has its own currency. | iPhone and Android. The web version is no longer supported. | CSV files, through the old web version. Sync with 3,300+ banks. |
| Balans.finance | 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 | Yes. One account can hold several currencies, each with its own balance. | Web. An Android app is coming to Google Play, and an iOS app will follow. | Excel (XLSX), CSV and PDF files from any bank; a layout it has not seen before is mapped by AI. No bank connection. |
| Dollarwise | 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. | Not mentioned on its website. | Web, iPhone, iPad and Android. | No file import is mentioned. Bank sync through Quiltt and Plaid, built for US banks. |
| Monarch | No. A 7-day free trial. | Core: US$14.99 a month or US$99.99 a year. Plus: US$199.99 a year. | No. Every amount is shown with a $ sign; USD or CAD accounts are recommended. | Web, iPhone, iPad and Android. | CSV files, on the web. Bank sync with 13,000+ institutions in the US and Canada. |
| Actual Budget | 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. | 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. | Desktop apps for Windows, Mac and Linux, and the web, in a browser alone or through a server you host or rent. No official phone app; its docs list a community iOS app, and on a phone an installed web page works offline. | 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). |
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.
More comparisons
- All comparisons
- Best multi-currency budget apps
- Balans.finance vs YNAB
- Balans.finance vs Wallet by BudgetBakers
- Balans.finance vs Toshl Finance
- Balans.finance vs Spendee
- Balans.finance vs Lunch Money
- Balans.finance vs PocketSmith
- Balans.finance vs Money Lover
- Balans.finance vs Zenmoney
- Balans.finance vs CoinKeeper
- Balans.finance vs Monarch
- Balans.finance vs Dollarwise
- Balans.finance vs Actual Budget