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 21 August 2026 and dated on each page.
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, won't cancel your subscriptions, and runs on iPhone only. If you want those, the pages below say plainly 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 · $199 Plus
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
The best-made money app on Apple's platforms, at twice the price. The comparison I take most seriously.
- Ralphy vs Rocket MoneyFree · $7–$14/mo
The same underlying idea, priced differently. Free tier, cancellation service, success fees, and a number that doesn't show its working.
- 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 21 August 2026
$3.99 a month, everything included. There's no annual tier to commit to for a better rate, and nothing further to buy inside the app. The subscription is the entire business model, which is also 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.
One number, every morning.
Ralphy is coming to iPhone. The beta fills from the list, in order.
Get early access →