Simple pricing. One plan.
No tiers to compare, no features locked behind an upsell. Fundamentals gets you everything.
$7.99/month
or $54.99 billed yearly — save 43%
Start your free trial14-day free trial · Cancel any time
Unlimited bank-connected accounts
Shared household budgeting
Safe to Spend, updated in real time
Bills, reminders & recurring tracking
Cash flow, category & monthly reports
iPhone app + web dashboard
Half the price. Twice the rigor.
Most budgeting apps show you a number. Tovari can prove it — reconciliation, double-entry transfers, and real file import, for half what YNAB and Monarch charge.
| Feature | Tovari | YNAB | Monarch | Copilot | Rocket Money |
|---|---|---|---|---|---|
| Starting price | $7.99/moor $54.99/yr | $14.99/mo$109/yr | $14.99/mo$99.99/yr | $13/mo$95/yr | Free tierPremium $7 or $14/mo |
| Annual cost | $54.99 | $109 | $99.99 Core$199 Plus | $95 | $84 or $168by tier |
| Envelope budgeting with true rollover | opt-in per category | — | |||
| Automatic bank sync | |||||
| Statement reconciliation | — | — | — | ||
| Automatic transfer detection | linked, double-entry | card payments only | undocumented | often needs fixing | |
| File import | CSV, OFX, QFX + saved mapping profiles | + QIF | CSV only1 | — | — |
| Full data export | complete archive | 10,000-txn cap | CSV | not on mobile | |
| Safe-to-spend number | — | Flex | Free to Spend | Payday View | |
| Recurring bill detection | + forecast | you create them | |||
| Two-factor authentication | undocumented | ||||
| Household sharing | unlimited | 6 people | unlimited | shared login | 2 people |
1 CSV only, per Monarch's own import documentation. Monarch does not state that OFX/QFX/QIF are unsupported.
Comparison as of August 2026. Based on each competitor's published documentation, pricing pages, and help centers as of that date. Competitor pricing changes without notice.
Want the detail on one of them? Tovari vs YNAB · vs Monarch · vs Copilot · vs Rocket Money · Mint alternatives
Questions
Is there a free plan?
Every account starts with a 14-day free trial of Fundamentals. You add a card to begin the trial, and you can cancel any time before it ends.
Does one subscription cover my whole household?
Yes. Fundamentals includes shared budgets, so both people in a household see the same numbers under one subscription.
Can I cancel anytime?
Yes, from your account settings, any time. No phone call, no retention maze — we hate those too.
What does support actually look like?
Documentation is built into the app, right where you need it. When it doesn't cover your situation, you can open a support request in one step, and a real person picks it up.