The index
Fintech apps, productivity
Ranked on fees, features, and supported assets. Pick a category to narrow the field. Informational only — not financial advice.
- 01Copilot Moneyproductivity
Premium iOS/macOS budgeting app with investment tracking and categories; top-rated in the App Store (4.7 stars). Subscription from $13/mo.
4.7/ 5$13/mo - 02Monzoproductivity
Largest UK neobank with strong budgeting, Pots, and spending insights; 15M+ customers and £25B+ deposits. Free account, paid Plus/Premium tiers.
4.5/ 5Freemium - 03Starling Bankproductivity
UK digital bank with powerful budgeting tools, spending categories, and savings goals; 4M+ accounts, profitable since 2022.
4.5/ 5Free - 04Actual Budgetproductivity
Local-first, open-source budgeting app with end-to-end encrypted sync across devices; 27k+ GitHub stars and very active development. Free to self-host.
4.5/ 5Free - 05YNABproductivity
You Need A Budget — zero-based budgeting app built around giving every dollar a job.
4.3/ 5$15/mo - 06Rocket Moneyproductivity
Budgeting and subscription-tracking app that surfaces recurring charges and can cancel them.
4.3/ 5Freemium - 07Chimeproductivity
Fee-free neobank with early direct deposit and automatic savings, the largest US neobank by users.
4.3/ 5Free - 08N26productivity
European mobile-first neobank with spending insights and sub-accounts, plus paid premium plans.
4.3/ 5Freemium - 09Quicken Simplifiproductivity
Modern budgeting app from the Quicken team with a clean UI, customizable categories, and spending plans; a popular Mint alternative. Subscription from $3.99/mo.
4.3/ 5$3.99/mo - 10Lunch Moneyproductivity
Web-based budgeting app with multi-currency support, rule-based categorization, and API access; strong indie following. Subscription from $10/mo.
4.3/ 5$10/mo - 11Monarch Moneyproductivity
Subscription budgeting and net-worth tracking app, a popular Mint replacement for couples.
4.2/ 5$15/mo - 12Venmoproductivity
Social peer-to-peer payments app owned by PayPal for splitting bills and paying friends; 90M+ active users.
4.2/ 5Free - 13Stepproductivity
Teen and young-adult banking app with a secured credit card and investing, no monthly fee.
4.2/ 5Free - 14Honeydueproductivity
Free couples budgeting app for shared expenses, bill reminders, and joint plus personal balance views; built by ex-Mint team members.
4.2/ 5Free - 15Splitwiseproductivity
Bill-splitting and shared expense tracker for groups, roommates, and trips; 25M+ users, with a paid Pro tier.
4.2/ 5Freemium - 16Expensifyproductivity
Business and personal expense tracking with receipt scanning and reimbursement workflows; 10M+ users.
4.2/ 5Freemium - 17Goodbudgetproductivity
Digital envelope budgeting app using a zero-sum approach, synced across web, iOS, and Android.
4.2/ 5Freemium - 18EveryDollarproductivity
Zero-based budgeting tool from Ramsey Solutions; free manual plan, premium adds bank sync.
4.2/ 5Freemium - 19One Financeproductivity
Walmart-backed neobank with "Pockets" that auto-sort spending into budgeting categories; FDIC-insured with early direct deposit and cash-back offers.
4.2/ 5Free - 20Aspirationproductivity
Climate-conscious neobank with a "pay what is fair" fee model, fossil-fuel-free deposits, and cash back at sustainable merchants; 5M+ users.
4.1/ 5Freemium - 21Empowerproductivity
Free budgeting and net-worth tracker (formerly Personal Capital) with optional paid wealth management; advisory fees apply only to managed assets.
4.0/ 5Free - 22Greenlightproductivity
Family finance app with kids' debit cards, allowance, savings, and investing; subscription from $5.99/mo.
4.0/ 5$5.99/mo - 23Albertproductivity
Finance superapp for banking, savings, investing, and cash advances, with a paid Genius tier.
4.0/ 5Freemium - 24Currentproductivity
Mobile neobank for teens and young adults with fee-free spending and savings.
4.0/ 5Free - 25Acorns Early (formerly GoHenry)productivity
Kids' debit card and financial-education app for ages 6-18 with parent-controlled budgeting, rebranded from GoHenry to Acorns Early. Subscription from $8/mo.
4.0/ 5$8.00/mo - 26FamZooproductivity
Family finance app with prepaid cards, chore tracking, and allowance management for teaching kids money skills; founded 2006, 4.6-star App Store rating. From $5.99/mo (cheaper prepaid).
4.0/ 5$5.99/mo - 27PocketGuardproductivity
Budgeting app that links all accounts and answers "what can I spend?" via its In My Pocket number.
4.0/ 5Freemium - 28Bunqproductivity
Leading European neobank with sub-account "Spaces" budgeting, savings goals, and API access; 14M+ users and €7B+ in deposits. Free tier plus paid plans.
4.0/ 5Freemium - 29Varo Bankproductivity
First all-digital US bank with a national charter — fee-free FDIC-insured checking, high-yield savings, and early direct deposit; 5M+ accounts.
4.0/ 5Free - 30Lydiaproductivity
French payments and finance superapp for P2P payments, budgeting, savings, and crypto; 5.5M+ users and dominant in France.
4.0/ 5Freemium - 31NerdWalletproductivity
Personal finance comparison site covering credit cards, banking, investing, mortgages, and insurance; 20M+ monthly users, public (NASDAQ:NRDS).
4.0/ 5Free - 32Goalsetterproductivity
Kids' savings and investing platform with quiz-based financial education and gift-link funding from family; FDIC-insured. Plans from $3.95/mo.
3.8/ 5$3.95/mo - 33Daveproductivity
Banking and budgeting app offering small cash advances; $1/mo membership.
3.5/ 5$1.00/mo - 34Brigitproductivity
Cash-advance and budgeting app with overdraft protection, credit building, and expense tracking; 2M+ downloads.
3.5/ 5$9.99/mo - 35Tiller Moneyproductivity
Spreadsheet-based personal finance tracker (Google Sheets/Excel) that auto-imports transactions; niche but high-value for power users.
3.5/ 5$6.58/mo - 36Maybe Financeproductivity
Open-source personal finance app; the most-starred PF repo on GitHub (54k+ stars). Repo is archived — hosted product shut down, but self-hosting and community forks remain active.
3.5/ 5Free - 37Qapitalproductivity
Gamified savings app using behavioral psychology — rule-based round-ups and challenges; 3M+ users. Subscription from $3/mo.
— / 5$3.00/mo - 38Copper Bankingproductivity
Teen banking app with a debit card, savings, and investing under parent controls; 500K+ users.
— / 5Freemium - 39Credit Karmaproductivity
Free credit monitoring and money hub from Intuit, absorbing Mint's budgeting features; 130M+ users.
— / 5Free