Price index

Published prices, with the date we checked

Each price is the provider’s published figure on the date shown, with its main caveat and the official source. We do not rate or score these options.

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Published prices as checked on the date shown. Prices change; the official source is authoritative.
Option	Category	Published price	Checked	Caveat	Related guides
PocketSmithOfficial source ↗ Affiliate link: we may earn a commission on an eligible purchase. Visit provider	Budgeting	Free tier; paid plans $9.99 to $26.66/month billed annually or $14.95 to $39.95 billed monthly (USD, checked 2026-10-29)	29 Oct 2026	Do not assume your institution, account type or required feature is supported. Verify the current plan and connection permissions. This is research, not a firsthand bank-connection test.	Choose a budget workflow by rehearsing the import and the exit Budget app or spreadsheet: give the app a job first Sinking funds: make once-a-year bills a monthly line. 44 more in the guide library
Lunch MoneyOfficial source ↗ Affiliate link: we may earn a commission on an eligible purchase. Visit provider	Budgeting	$10/month; annual page displays $100/year with a choose-your-price option (USD, checked 2026-10-29)	29 Oct 2026	Confirm the selected annual amount and renewal terms at checkout. CSV exports include the active filtered view, so a partial view can produce an incomplete export. No firsthand connection test is claimed.	YNAB vs Monarch vs a spreadsheet: pay for a routine you will use Choose a budget workflow by rehearsing the import and the exit Budget app or spreadsheet: give the app a job first 45 more in the guide library
Capital One 360 CheckingOfficial source ↗Visit provider	Banking	$0 monthly maintenance	15 Sep 2026	Optional services can still have charges. Confirm the current fee schedule, nearby locations, and that account approval is not assumed.	How much emergency fund do you need? Calculate it from your essential bills Capital One 360 Checking vs Ally Spending Account: fees, ATMs, cash and overdraft Capital One 360 Checking review: what the fee schedule says 18 more in the guide library
Ally Spending AccountOfficial source ↗Visit provider	Banking	$0 monthly maintenance	15 Sep 2026	No branches. Outgoing domestic wires list $20 and other-ATM reimbursement is capped at $10 per statement cycle; confirm current fees and cash-add hours.	How much emergency fund do you need? Calculate it from your essential bills Capital One 360 Checking vs Ally Spending Account: fees, ATMs, cash and overdraft Ally Spending Account review: an online checking account in the details 19 more in the guide library
YNABOfficial source ↗Visit provider	Budgeting	$109/year or $14.99/month + applicable tax	15 Sep 2026	Annual billing is prepaid. A subscription does not guarantee savings and is not personalized financial advice.	YNAB vs Monarch vs a spreadsheet: pay for a routine you will use Budget app or spreadsheet: give the app a job first Sinking funds: make once-a-year bills a monthly line. 35 more in the guide library
MonarchOfficial source ↗Visit provider	Budgeting	Verify current plan price	15 Sep 2026	Skip or pause if plan price, renewal, export, or bank-connection terms stay unresolved. We do not treat testimonials as a current offer.	YNAB vs Monarch vs a spreadsheet: pay for a routine you will use Budget app or spreadsheet: give the app a job first PocketSmith vs Monarch: what the official pages actually settle 34 more in the guide library