Budgeting App Prices: Dated Quotes and Billing Checks

Price snapshot — Compare the amount you actually pay, the billing term and the renewal conditions. This page separates source-backed quotes checked on September 10, 2026 from figures we are not able to substantiate. It is not a live price feed or a promise of monthly re-verification.

Provider pages checked September 10, 2026; confirm the final checkout

Product	What the source displays	Important scope
YNAB	USD $109 paid annually, or $14.99 monthly	Tax where applicable; subscription terms differ from a monthly equivalent
Quicken Simplifi	$3.99 per month equivalent, billed annually, beside a struck-through $6.99	Introductory offer; provider warns the final annual price can differ from multiplying the displayed monthly amount
Monarch	Check the current plan and checkout	No newly verified exact tariff is reproduced here; the previous table is withdrawn

Put both offers on one basis

At YNAB's quoted monthly price, $14.99 × 12 = $179.88 before tax, compared with a $109 annual subscription: a $70.88 billing difference for twelve months. This does not measure savings from using the app. Whether a prepaid year is appropriate depends on how long you actually intend to use it.

For a promotional annual plan, record the amount charged today and the renewal rule separately. Do not relabel a monthly equivalent as a cancellable monthly subscription. Use our calculator for the normalized arithmetic, while checking fees, taxes and refund terms yourself.

Why the former change log is gone

We could not substantiate the earlier dates of vendor price changes or the claim that all ten products had been checked on the stated dates. Those entries and unsupported free-tier claims have been removed. A future change log needs retained, dated evidence rather than a plausible history.

Start with the budgeting-apps hub for the decision framework and the evidence standard for our limits. A missing quote means unknown, not free.