Choose by how you record expenses and where you review them. Fintonic is the baseline; Sumant publishes this guide and is one option. Each entry includes sources and their check dates.
By Oscar Gómez · Text updated on
Which app to consider for your needs
These seven entries compare the advertised price, bank connection and supported platforms. Fintonic is the baseline. Sumant publishes this guide and appears as one option; it does not receive a score or preferred ranking.
| App | Price and plan | Bank connection | Platforms | Sources |
|---|---|---|---|---|
| Fintonic | Free app | Yes | iOS and Android | Source: FintonicDeclared account accessCurrent product pagesChecked on |
| Sumant | Free · PRO Founder €19.99 one-off | No | Web on mobile and desktop | Source: SumantChecked on |
| Monefy | Free · paid Premium, price varies by store | No | iOS and Android | Source: MonefyOfficial downloadsChecked on |
| Wallet by BudgetBakers | Free (manual) · monthly, yearly or lifetime Premium | Optional | iOS, Android and web | Source: Wallet by BudgetBakersOfficial downloadsChecked on |
| Money Lover | Free · $19.99 lifetime Premium (USD, US App Store) | Optional | iOS, Android and desktop web | Source: Money LoverDesktop web announcementChecked on |
| Spendee | Free Basic · Plus $1.99/month or $14.99/year · Premium $5.99/month or $35.99/year (USD) | Optional | iOS, Android and web | Source: SpendeeWeb appChecked on |
| YNAB | $109/year or $14.99/month (USD), plus applicable tax | Optional | Web, iOS and Android | Source: YNABManual and linked accountsChecked on |
Free app
Its account-review function uses connected accounts. Fintonic says it receives commissions for brokering certain financial products; the free app does not describe the cost of taking out those products.
Checked on · Source · Declared account access · Current product pages
Free · PRO Founder €19.99 one-off
Manual entry or CSV/XLSX import. Free includes one confirmed import of up to 250 selected transactions. Sumant does not provide automatic bank feeds.
Checked on · Source
Free · paid Premium, price varies by store
Manual transaction entry. Its official website advertises iOS and Android apps and does not advertise a web client; a compatible mobile app may still run on some computers.
Checked on · Source · Official downloads
Free (manual) · monthly, yearly or lifetime Premium
Bank connections are a Premium feature. BudgetBakers says current prices are shown inside the app and that available functions can vary by platform.
Checked on · Source · Official downloads
Free · $19.99 lifetime Premium (USD, US App Store)
The lifetime Premium purchase excludes Linked Wallet, its bank-connection service. An official help article confirms the desktop web version but does not state whether it requires Premium.
Checked on · Source · Desktop web announcement
Free Basic · Plus $1.99/month or $14.99/year · Premium $5.99/month or $35.99/year (USD)
Basic includes one cash wallet and one budget. Bank connections are included in Premium. The published USD prices can vary by country.
$109/year or $14.99/month (USD), plus applicable tax
Accounts can be created without linking a bank, or linked where supported. YNAB offers a 34-day trial for direct sign-ups; a subscription is required afterwards.
Checked on · Source · Manual and linked accounts
Checked on 16 September 2026. USD prices are labelled as such. Store prices and plan availability can vary by country or platform, so confirm the terms that apply to you before paying.
Fintonic describes a service that brings together information from connected accounts and categorises spending. Sumant uses manual entries or files you select, including CSV and Excel (.xlsx). The practical difference is how information enters the app; neither route is automatically the right one for every person.
Fintonic: how the free app works · Checked on
Fintonic: current product pages · Checked on
Fintonic says that its app is free and that it receives commissions when it brokers certain financial products, including loans and insurance. That is the company's stated model. It does not by itself describe the terms or cost of any product a person may choose to take out.
Fintonic: free app and commissions · Checked on
Fintonic says its access to connected accounts is read-only and cannot be used to make transfers. This is the company's description, not an independent security audit. Before registering, review the permissions requested, the privacy policy and how to remove access.
Fintonic: security and declared permissions · Checked on
Read Sumant's privacy informationSumant has a free plan for manual income and expense records, multiple accounts and monthly review. PRO Founder costs €19.99 as a one-off payment. Free includes one confirmed import of up to 250 selected transactions and JSON export; PRO adds CSV and XLSX export and the other functions listed on the pricing page.
Compare Sumant plansStart with the task you repeat: logging cash, reviewing connected accounts, importing a statement or checking the month from a computer. Compare those needs with the published platform, plan and bank-connection details. A short trial with a limited period is more informative than a general score.
Read our comparison methodologyYou can also review the dedicated comparisons for Wallet, Monefy and Spendee. Check the platform and plan you would actually use, because prices and available features can vary by country or store.
See all comparisons →No card. No bank connection. The free plan does not expire.
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