Switching from YNAB, Monarch, Copilot or Mint?
PennyWise AI logs payments from the alerts your bank already sends your phone, with no bank login. It finds the small spends that add up, and its coach answers from your own numbers.
40% off Plus for your first 3 months.
How they compare
| Feature | PennyWise AI | YNAB | Monarch | Copilot |
|---|---|---|---|---|
| Price | Free plan · Plus $4.99/month | $14.99/month or $109/year | $99.99/year | $13/month or $95/year |
| Android app | Yes, built for it | Yes | Yes | No (iPhone, iPad, Mac, web) |
| Banks it works with | Any bank that sends payment alerts, in 28 countries | Linked or entered by hand | Linked or entered by hand | US banks only |
| Needs your bank login | No. It reads your phone's payment alerts | For automatic import | For automatic sync | For automatic sync |
US prices from each app’s own website, October 2026. PennyWise AI is priced in local money in each country. Mint closed in 2024.
Switching takes a minute
1
Install it from Google Play.
Free, with no card. Plus is free for 7 days, and the trial ends on its own.
2
Turn on payment alerts.
Payments your bank and card apps already tell you about log themselves. Wrong one? Undo.
3
Keep your old history where it is.
PennyWise starts from today rather than importing. Most apps let you export a CSV if you want a copy.