Amanda Barroso

Again, like groceries, household, baby and kids, clothing.

You kind of get the picture.

YNAB app tracks your running total.

And then when you get to the end, you can distribute the remainder.

So like sales tax, that kind of thing across all the categories automatically.

That's totally a key feature that YNAB adapts that budgeting style.

Every penny really matters.

Okay, so I have one more dimension and it's every dollar, which is the Dave Ramsey budgeting app.

Now, this one also lets you split transactions, but unlike the other two, you're totally in charge of separating those costs manually into their appropriate categories.

And unlike YNAB, there's no running total.

I think in the three apps that I looked into, this one is the most basic and requires the highest level of effort on the part of the user.

To me, based on these conversations, Monarch seems to automate more of this than any of the other apps.

But again, so much of this is personal and it might take you a few apps, like trying out a few apps, downloading a few free trials to see what feels easier for you, what actually, what level of like touch you really want on your money.

I will say looking at cost,

The good news is Monarch isn't even the most expensive option.

So you're getting a lot for your money.

YNAB is about $10 more per year.

It's like $109 a year, whereas Monarch is about $100.

Every dollar costs about $80 a year.

So that's kind of where those all stack up in cost.