1
Clarity(Our Pick)
$99/year
Best all-in-one money management for multi-asset households
Clarity is the most complete money management app you can get right now. Budgeting, investments, crypto, debt payoff planning, and an AI assistant — all in one flat-rate subscription. No AUM fees, no per-feature pricing.
Pros
- Budgeting, investing, crypto, and debt in one dashboard
- AI assistant answers complex financial questions
- FIFO cost basis for tax planning
- Flat $99/year — no AUM fees or per-feature pricing
Cons
- No bill pay or money transfer features
- No robo-advisor or automated investing
- Newer platform with developing community
2
Monarch Money
$14.99/mo or $99.99/year
Best for traditional household money management
Monarch covers budgeting, net worth, and basic investment tracking in a polished package. If you don't need crypto or tax features, it's the best general-purpose money management app out there.
Pros
- Clean interface covering budgets, net worth, and investments
- Collaborative features for households
- Reliable bank sync with good categorization
Cons
- No crypto or DeFi tracking
- Investment analysis is shallow
- $14.99/month adds up
3
Empower
Free (tracking) / 0.49%+ AUM (advisory)
Best free comprehensive money management tool
Empower gives you free spending tracking, net worth, and investment analysis. That's a powerful combo — if you can put up with the advisory sales pitch.
Pros
- Free comprehensive financial dashboard
- Strong investment analysis tools
- Retirement planning included
Cons
- Persistent advisory upsell
- Budgeting is basic — more of a spending tracker
- No crypto support
4
YNAB
$14.99/mo or $109/year
Best for people who need to master budgeting first
YNAB is the best budgeting tool, full stop. But it stops there. No investment tracking, no automated net worth, no debt optimization. Excellent at its niche, but not the whole picture.
Pros
- Best-in-class budgeting methodology
- Proven to change spending behavior
- Excellent educational resources
Cons
- No investment tracking or analysis
- No net worth automation
- $14.99/month for budgeting only
5
Wealthfront
Free (cash) / 0.25% AUM (investing)
Best for automated wealth building without budgeting
Wealthfront handles automated investing, cash management, and financial planning really well. But there's no budgeting or spending tracking at all — it's purely about growing your money.
Pros
- Automated investing with tax optimization
- High-yield cash account
- Free Path financial planner
Cons
- No budgeting or expense tracking
- 0.25% AUM fee on invested assets
- No crypto or alternative asset support