Compare
How Tare compares with other budgeting apps.
Every app on this page is a good choice for someone. Here's where each one stands on the things people ask us about most, including the places another app does better.
Checked against each company's own website on September 27, 2026. Prices are in US dollars. Sources
| Feature | Tare | YNAB | Monarch | EveryDollar | Copilot |
|---|---|---|---|---|---|
| How you budget | Zero-based: every dollar you have gets a job | Zero-based: every dollar you have gets a job | Cash-flow plan built from the income you expect | Zero-based, planned from expected income | Spending limits per category |
| Card spending | Comes straight out of the category. The money to pay the card is set aside for you; there's no payment category | Moved into a separate payment category for each card | Counted as spending; card payments are left out of the budget | No card handling; purchases and payments are adjusted by hand | Counted as spending; card payments are transfers |
| Old card balances | Their own Debt payoff envelope per card, kept apart from new spending | Paid from the same payment category as new spending | Pay Down Goals (in beta) | Debt snowball list; payoff date with Premium | No dedicated tool |
| Looking ahead | Cash and debt forecast up to 2 years, and what-if scenarios on a copy of your budget | Loan planner for extra payments; compare targets with income | Cash-flow and net-worth forecasts on the Plus plan | Paycheck planning and net-worth projection with Premium | Cash-flow history and upcoming bills |
| Couples | Separate logins; each account is joint or personal, and personal categories stay private | Separate logins for 2–6 people; privacy is per budget, not per account | Separate logins; everyone in the household sees every account | Partners share one budget with separate emails | One shared account; a partner gets full access |
| Bank sync | With Autopilot | Included | Included | Premium only | Included (US banks) |
| Free plan | Yes: the whole budget, entered by hand | No | No | Yes: the budget, entered by hand | No |
| Free trial | 35 days of Autopilot; card required | 34 days; no card when you sign up on their site | 7 days; card required | 14 days of Premium | 1 month; card required |
| Price | $12/month, dropping to $8 the longer you stay ($132 in year one, $96 a year after) | $14.99/month or $109/year | $14.99/month or $99.99/year; Plus $199.99/year | Premium $17.99/month or $79.99/year | $13/month or $95/year |
| If you stop paying | You move to the free plan. Nothing is locked or deleted | You lose access to your budget until you resubscribe | Access continues to the end of the billing period | You move to the free version | Access continues to the end of the paid period |
| Platforms | Web; iOS and Android coming soon | Web, iOS, Android | Web, iOS, Android | Web, iOS, Android | Web, iPhone, iPad, Mac |
Scroll the table sideways to see every app.
Choosing between them
Tare or YNAB
The same method, with the same words: Ready to assign, targets, every dollar a job. The difference is credit cards. YNAB moves money into a payment category every time you swipe and pays old balances from the same place; Tare takes purchases straight out of the category and gives old debt its own envelope. Tare also forecasts ahead and has a free plan. YNAB's trial needs no card, its annual plan costs less than Tare's first year, and its mobile apps are out today; Tare's iOS and Android apps are coming soon.
How cards work in TareTare or Monarch
Monarch plans from the income you expect and tracks where it went. Tare budgets the money you already have, one job per dollar. For couples, Monarch shows everyone every account; Tare lets each person keep personal accounts private. Monarch's forecasting is on its Plus plan.
Budgeting together in TareTare or EveryDollar
Both are zero-based and both have a free plan for entering transactions by hand. EveryDollar doesn't handle credit cards, by design; Tare does, including cards you're paying down. EveryDollar Premium's annual price is lower than Tare's.
Credit cards in TareTare or Copilot
Copilot sets spending limits by category and tracks against them, with apps for iPhone, iPad, and Mac. Tare gives every dollar you have a job, and adds a free plan, separate logins for couples, and scenarios for big decisions.
Forecasting in TareSources
Each company's own pricing page and help center, checked September 27, 2026. Features and prices change; if something here is out of date, tell us and we'll fix it. YNAB, Monarch, EveryDollar, and Copilot are trademarks of their owners, who aren't affiliated with Tare.
YNAB
Monarch
- www.monarch.com/pricing
- help.monarch.com/hc/en-us/articles/9136169422996-Pricing
- help.monarch.com/hc/en-us/articles/360048883631
- help.monarch.com/hc/en-us/articles/360048393292
- help.monarch.com/hc/en-us/articles/20926382202004
- help.monarch.com/hc/en-us/articles/48349699981972-Monarch-Plus-Tier
- help.monarch.com/hc/en-us/articles/22342836013204
EveryDollar
- www.ramseysolutions.com/money/everydollar
- everydollar.help.ramseysolutions.com/hc/en-us/articles/29109242409101
- everydollar.help.ramseysolutions.com/hc/en-us/articles/18661532380941
- everydollar.help.ramseysolutions.com/hc/en-us/articles/36246135475469
- everydollar.help.ramseysolutions.com/hc/en-us/articles/12100116162445
Start with the money you have today.
Budget by hand for free, no card needed. Or try Autopilot free for 35 days: $12/month after that, dropping to $8 the longer you stay.