RalphyRalphy, next to everyone else
Every comparison here says where the other app is better, because you'll find out anyway and it's cheaper to hear it from me. Prices are list prices, checked on 4 September 2026 and dated on each page.
Start with the job
What do you want the app to do?
Ralphy
You want one daily answer, a forecast through payday, and the arithmetic behind it.
Try Ralphy's number →What Ralphy is. One honest number each morning: today's spend limit, worked out from your real bills, cards and paydays, with the arithmetic open to inspection. $3.99 a month, one plan, no tier above it.
What Ralphy isn't. A dashboard. It doesn't track investments or net worth, has no category budgets or reporting suite, and runs on iPhone only. For supported subscriptions, it guides you to the cancellation route; you finish there, and Ralphy watches the bank feed to see whether the charge returns. If you want a service that cancels on your behalf, the pages below say which app to buy instead.
- Ralphy vs YNAB$109/yr
A method that works if you work it, against an app that does the work. Includes the one thing YNAB does better than Ralphy does: credit cards.
- Ralphy vs Monarch Money$99.99/yr
A complete financial command center against a single answer. What you give up going small, and what you get back.
- Ralphy vs Copilot Money$95/yr
One of the most polished money apps on Apple's platforms, at twice the price. The comparison I take most seriously.
- Ralphy vs Rocket MoneyFree · $7–$15/mo
The same underlying idea, priced differently. Free tiers, cancellation support for eligible subscriptions, success fees, and a different approach to the spendable number.
- Mint alternatives in 2026Mint closed 2024
Where Mint's budgeting features actually went, what the replacements cost, and which to choose. Four of the five recommendations are other people's apps.
The price, since it comes up first
A year of each, at list price · checked 4 September 2026
$3.99 a month, everything included. No annual tier to commit to for a better rate, nothing further to buy inside. The subscription is the entire business model, which is why there are no ads and nothing to sell about you.
Why I write these myself
Comparison pages are usually a sales device: a table where one column happens to have all the ticks. Nobody believes them, including the people who publish them.
These are written to a different rule. Every page names the things the other app does better, specifically enough to act on, and says who should buy it instead. I can afford that because Ralphy is not trying to be the best money app. It's trying to be the right one for a particular person: someone who doesn't want a dashboard, wants to know today's spend limit, and would like to see the arithmetic.
If that isn't you, one of these pages will say so. That's the point of them.
Five seconds, then stop thinking about money.
The beta is open on TestFlight. The list under it is the path that can't run out.
Join the beta →