One flat price. A free tier that stays.

Typical prices across the mainstream money apps as of August 2026, by category rather than by name — a table of competitors’ names goes stale the day one of them changes a price. Every category has a trade-off listed, including ours.

Swipe the table sideways to see every column →

Checked the same week as the prices, across the apps most people actually shortlist. Specifics, so you can go and check them:

• Interest and year-end figures are left to you to assemble. One desktop-lineage product ships a named tax report; everywhere else the year-end answer is something you build yourself out of a tag you remembered to apply and a filtered spending report. A student-loan interest total for the year we didn’t find in any of them, including that one. Here they’re named reports you open — what your debts have cost you in interest, and what your mortgage and student loan lenders reported for the year. They read what your lender reports through your bank, so they are not a copy of the lender’s own paperwork, and they can’t see an account you haven’t connected.
• The debt payoff planner costs nothing here. Avalanche, snowball, a custom order with its honest cost, buy-now-pay-later plans counted as real debts, a debt-to-income ratio, and a debt-free date — all on the free tier, with no card. Three of the five categories above have no permanent free tier at all, as their own column says: whatever planning they do is inside the subscription.
• A second person usually costs money. Household sharing for up to five is included at no per-seat charge, and each person picks what to share account by account. The discount and spreadsheet categories are single-user; the suites are split on it.
• Fixing a wrong number from three months ago. Most of these treat history as a log you append to rather than a record you correct. Ours is editable and backfillable, and there’s a report that shows every figure you changed and what it said before.

Competitor details were researched in August 2026 from published pricing pages, official help centres and user reports, and the capability notes above describe what those categories offered as of that date. Spotted something out of date? Tell us and we’ll fix it.

A comparison table that only shows our wins would be marketing. Here is what you genuinely give up by choosing this one:

• Spending categorisation, out of the box. The established apps have had years to refine how they categorise spending, and it shows in the edge cases. Ours is new: the mapping is sensible and every transaction is one tap to move, but expect to correct more of it early on than you would in a product that’s been tuned since 2004.
• Investment analysis. We count what your brokerage is worth; we don’t analyse holdings, allocation or fees. The tiers that do sit around $199/year. It’s something we want to build — but it isn’t here today, and nothing on this page is priced as though it were.
• A native app. We run in the browser and install to your home screen, which covers offline entry and notifications — but there’s no App Store listing. Most apps at $95+/year ship real iPhone and Android apps — though at least one of them charges a couple for two separate subscriptions. One of our own is something we’re considering, with no date attached and nothing here costing a cent more on the strength of it.
• A long track record. The established names have been running for a decade or more. This is new, built by one person. That’s a fair reason to be cautious — which is exactly why exporting everything and deleting your account are one click each.

Is the free tier actually permanent? Yes. No time limit, no card, and whatever is free when you arrive stays free for you — nothing you already have moves behind the paywall afterwards. That commitment is written down, in those terms, on the app’s promises page, along with the free features it names. Go and hold us to it there.

What does “founder rate” mean exactly? It’s a promotional discount on the annual plan: $69.99 a year for the first 500 subscribers, against the standard $83.99 a year — and against the $119.88 twelve monthly payments come to, which is where the 41% figure comes from. Annual only; there is no discounted monthly price. It stays $69.99 at every renewal for as long as the subscription stays active, so it isn’t a first-year rate that snaps back. There’s no clock on it either: it ends when the 500th subscriber takes it, counted as an actual headcount in the billing system, which is written to turn away the 500th by mistake before it will let in a 501st. Lapse and resubscribe later, and the then-current price applies.

How do I cancel? In the app: Settings, one click. The paid features run to the end of what you’ve paid for, then the account continues on the free tier with your data intact. No retention flow, no chat with anyone.

What happens to my bank credentials? Account linking runs through Plaid; we never see or store your bank login, and linking is optional and removable. Everything works with manual entry.

What do you do with my data? Store it so the app works, and nothing else. No ads, no selling data, full export (JSON and CSV) on every tier, and account deletion that actually deletes. The app has its own privacy policy, shown in the app.

Who builds it? The same one-person operation behind this site (Kaivora LLC). Same rule as the site: no claims that can’t be backed with arithmetic.

Do I need any of this to use the calculators? No. Everything on financewithoutfluff.com stays free and account-free, whole and unchanged. The difference isn’t storage: a calculator answers one question once, and the app is where the answer becomes a plan you run — your actual debts in a payoff order you can rearrange and price, a debt-free date that moves as you pay, goals fed by accounts you already track, and, on the paid tier, budgeting built from your real transactions and reports on what the borrowing has cost you.

Where do these prices apply? Billing happens in the app, run by Kaivora LLC, same as this site. This is the only pricing page either of them has — the app links here rather than keeping a second copy that could drift. The figures you agree to are the ones on the checkout screen, so if this page and that screen ever disagree, the checkout governs and this page has a bug — tell us and we’ll fix it.