1️⃣Monarch Money
Run your money like a pro with an all-in-one dashboard that tracks every account, budget, and goal. Bank syncing, shared family plans, and smart alerts keep you on target. Set it up once and watch your net worth climb.
Address: San Francisco, California, United States
- Beautiful net worth and cashflow dashboards
- Unlimited bank connections
- Collaborative family accounts
- Goal tracking with real-time progress
- Fast setup and smart alerts
- Bank-grade security and encryption
- No free forever plan
- Advanced investment breakdowns are basic
2️⃣Plum
An AI assistant that saves and invests for you automatically. From round-ups to bill switching, it finds money you are leaving on the table and puts it to work. Perfect for busy people who want effortless growth.
Address: London, United Kingdom
- Automatic smart saves
- Competitive interest on savings pockets
- Invest in diversified themed funds with a tap
- Energy and bill switching to cut household costs
- Slick app experience and friendly nudges
- Fee-free plan available in some regions
- Availability varies by country
- Fund fees apply on investments
3️⃣Qoins
Turns spare change and side income into automatic extra debt payments. Pay debts off months sooner and cut interest without thinking. Built for people who need momentum and accountability.
Address: Atlanta, Georgia, United States
- Automated round-ups and rule-based payments
- Custom schedules that align with payday
- Motivating progress tracker and payoff projections
- Monthly fee can eat into savings on small balances
- Not supported by every lender
- Limited analytics beyond debt payoff
4️⃣Tiller Money
Streams your bank transactions into Google Sheets or Excel so you can build a budget exactly your way. Powerful templates unlock deep control of categories, cash flow, and forecasting.
Address: Seattle, Washington, United States
- Extremely customizable with formulas and tags
- Great for spreadsheet lovers
- Strong community templates and support
- Learning curve for non-spreadsheet users
- Setup and maintenance take time
- No native mobile budgeting experience
5️⃣Chip
UK-first savings app that uses auto-saves and limited-time boosted rates to grow your stash faster. Simple tools and clear goals make saving feel effortless.
Address: London, United Kingdom
- Often offers market-leading promo rates
- Auto-save rules and round-ups
- Clean
- focused interface
- Rates change frequently and promos may be capped
- Some features and accounts are UK-only
- Withdrawal limits or notice periods on certain pots