Switching budgeting apps? Side-by-side guides
Each guide puts what another app says about itself, linked to its own website, next to what Beyond Payday does. Each one also says plainly when the other app may suit you more.
Pick the app you are coming from
YNAB alternative
For people who want the big picture of income, bills, net worth and retirement, rather than zero-based budgeting.
- YNAB’s blog describes zero-based budgeting as assigning all of your money to budget categories for expenses, debt payments and savings, and calls its own method a fundamental part of that approach.
Source: YNAB blog: What Is Zero-Based Budgeting? (opens in a new tab), verified Oct 1, 2026
Mint alternative
For former Mint users who are fine typing their numbers in, or importing them from a spreadsheet, instead of linking accounts.
- Mint’s website now says Mint has been reimagined on Credit Karma, and that reviewing transactions, monitoring spending and tracking net worth have a new home there.
Source: mint.intuit.com (opens in a new tab), verified Oct 1, 2026
Monarch Money alternative
For households that want to plan together without connecting bank or card accounts.
Read the guideRocket Money alternative
For people who want to plan bills, net worth and retirement from numbers they enter, without linking accounts.
Read the guideCopilot Money alternative
For households that want the big picture without connecting accounts or categorizing transactions.
Read the guideEmpower alternative
For people who want household cash flow and a month-by-month retirement plan without linking accounts.
Read the guideProjectionLab alternative
For households that want a month-by-month retirement plan alongside their monthly bills, debts and net worth.
Read the guideBoldin alternative
For households that want a month-by-month retirement plan alongside their monthly bills, debts and net worth.
Read the guideQuicken Simplifi alternative
For households that want to see what is left each month without connecting bank or card accounts.
Read the guideTiller alternative
For spreadsheet people who would rather use an app, and still import and export spreadsheet files.
Read the guideWhat Beyond Payday is
Beyond Payday is a planning app for US households. You enter your income, bills, assets and debts by hand, or import bills, assets and debts from a CSV, TSV or XLSX file. It shows what is left each month after bills, your net worth over time, and your goals. Pro adds a month-by-month retirement plan to age 95, business tracking, and Beth, the AI assistant.
What it does not do
- No bank sync. You enter your numbers or import them from a spreadsheet.
- No transaction list to review or categorize.
- No envelope or zero-based budgeting.
- A web app you can install on your phone or computer from the browser. For app-store versions, check the stores for current availability.
- US households only.
Facts verified Oct 1, 2026 from each company’s own website (or an archived copy of it); features change — check the provider for current details.
Current details from each provider: ynab.com (opens in a new tab), creditkarma.com (opens in a new tab), monarch.com (opens in a new tab), rocketmoney.com (opens in a new tab), copilot.money (opens in a new tab), empower.com (opens in a new tab), projectionlab.com (opens in a new tab), boldin.com (opens in a new tab), quicken.com/simplifi (opens in a new tab), tiller.com (opens in a new tab).
YNAB, Mint, Monarch Money, Credit Karma, Rocket Money, Copilot Money, Empower, ProjectionLab, Boldin, Quicken Simplifi and Tiller are trademarks of their respective owners. Beyond Payday has no affiliation with or endorsement from them.
Beyond Payday is a planning tool, not a financial advisor. Its figures are estimates based on what you enter, not guarantees.
See your whole picture on one page
Income, bills, what is left each month, net worth and, on Pro, retirement. No bank login.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo). After 30 days you keep the Free plan — no charge, no card.