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Know where your money goes.

Track spending, budgets, net worth, investments, debt, and cash flow in one secure app.

Download on iOS Download on Android
Coming Winter 2026
Total Net Worth
$124,592.00
+2.4% this month

Up and running in minutes

No spreadsheets. No manual entry. Just connect your accounts and OctoWealth does the rest.

1

Connect your accounts

Securely link your bank accounts, credit cards, loans, and investment accounts through Plaid. Read-only access — OctoWealth can never move your money.

2

Track automatically

Transactions are imported and categorized automatically. Budgets, net worth, cash flow, and spending reports update in real time — no manual entry needed.

3

Plan and stay on track

Set budgets, get overspending alerts, run what-if simulations, and export your data anytime. Your full financial picture, always at your fingertips.

Explore What Makes Us Different

Discover the unique features that set OctoWealth apart from other finance apps.

Debt Freedom Accelerator

Choose from 3 proven payoff strategies with real-time simulation and payoff date forecasting.

Learn more

What-If Planning

Simulate income changes, expense adjustments, and RSU vesting scenarios before you commit.

Learn more

AI-Powered Insights

Machine learning predicts overspending before it happens and surfaces money-saving insights.

Learn more

Subscription Tracker

Auto-detect recurring payments, find unused subscriptions, and get due date alerts.

Learn more

Privacy First

Read-only access, on-device processing, and zero data selling. Your financial data stays yours.

Learn more

Compare Pricing

See how OctoWealth stacks up against Monarch Money, Rocket Money, and YNAB.

Compare

Your full financial picture, in one place

OctoWealth connects to your accounts through Plaid and automatically tracks spending, budgets, net worth, cash flow, investments, debt, and bills — so you always know where you stand.

Secure account linking
Automatic transaction tracking
Budgets and alerts
Reports and exports
Investment and debt visibility
What-if planning

Automatic Transaction Tracking

Transactions from all your linked accounts are imported and auto-categorized. Add receipts manually with the built-in receipt scanner. See exactly where your money goes every month.

Transaction tracking interface

Net Worth & Cash Flow

6-month net worth trend, savings rate, and income vs. expense breakdown — updated automatically.

$84,200
▲ 12% YTD
Net worth chart

Debt Payoff Planner

View all your credit cards, mortgages, and loans. Choose a payoff strategy — Snowball, Avalanche, or Cash Flow — and project your debt-free date.

Snowball Avalanche Cash Flow
Plan Ahead

What-If Simulator

Adjust income and expense sliders to see projected surplus or deficit before you commit. Model RSU vesting, stock options, and equity scenarios in the Equity tab.

What-if financial simulator

Bills & Subscriptions

Recurring payments are detected automatically from your transaction history. See upcoming due dates, billing frequency, and monthly totals at a glance.

Investment Portfolio

View holdings, securities, and brokerage account balances from your linked accounts. Explore stocks and ETFs with historical price charts.

Stocks ETFs Brokerage

Reports & Exports

Spending breakdowns, income/expense trends, Sankey flow charts, and net worth snapshots. Export everything as CSV or PDF and share it anytime.

CSV PDF

Privacy-first. Secure by design.

Plaid Connected through Plaid Read-only bank access
Biometric & PIN Protection Face ID, Touch ID, fingerprint
Encrypted Token Storage OS-backed secure storage
Consent & Privacy Controls You choose what's shared
Read-Only Access We can never move your money

More features. Lower price.

OctoWealth gives you everything Monarch Money, Rocket Money, and YNAB offer — plus features they don't — for less.

Monthly

$9.99

per month

Save 17%

Yearly

$99

per year — $8.25/mo

More for less

$9.99/mo or $99/yr — up to 34% less than Monarch Money and YNAB, with more features than either.

What-if & equity simulator

Adjust income and expense sliders to model decisions before you make them. Model RSU vesting and stock option scenarios. No competitor offers this.

Receipt scanning

Snap a photo of any receipt to instantly log a transaction. Auto-detects the merchant and amount. None of the major competitors have this.

Biometric & PIN app lock

Lock the app with Face ID, fingerprint, or a PIN. Your financial data stays private even if someone else picks up your phone.

OctoWealth from $8.25/mo

$9.99/mo or $99/yr

Automatic bank account syncing
Net worth tracking
Cash flow visibility
Budgets and overspending alerts
Investment portfolio tracking
Debt payoff planner
Bill & subscription tracking
What-if financial simulator
Equity & RSU vesting simulator
Receipt scanning
Custom transaction rules
CSV & PDF export
Customizable dashboard
Ad-free experience
Biometric & PIN app lock
Monarch Money
$14.99/mo
Automatic bank account syncing
Net worth tracking
Cash flow visibility
Budgets and overspending alerts
Investment portfolio tracking
Debt payoff planner
Bill & subscription tracking
What-if financial simulator
Equity & RSU vesting simulator
Receipt scanning
Custom transaction rules
CSV & PDF export
Customizable dashboard
Ad-free experience
Biometric & PIN app lock
Rocket Money
$6–$12/mo
Automatic bank account syncing
Net worth tracking
Cash flow visibility
Budgets and overspending alerts
Investment portfolio tracking
Debt payoff planner
Bill & subscription tracking
What-if financial simulator
Equity & RSU vesting simulator
Receipt scanning
Custom transaction rules
CSV & PDF export
Customizable dashboard
Ad-free experience
Biometric & PIN app lock
YNAB
$14.99/mo
Automatic bank account syncing
Net worth tracking
Cash flow visibility
Budgets and overspending alerts
Investment portfolio tracking
Debt payoff planner
Bill & subscription tracking
What-if financial simulator
Equity & RSU vesting simulator
Receipt scanning
Custom transaction rules
CSV & PDF export
Customizable dashboard
Ad-free experience
Biometric & PIN app lock

Competitor pricing and features based on publicly available information as of March 2026. Subject to change.

More features than the competition, at a lower price.

Download on iOS Download on Android

Know where your money goes.

Join thousands of people who use OctoWealth to track spending, budgets, net worth, and more — all in one secure app.

Download on iOS Download on Android
Coming Winter 2026