Your money, fully in control.
Budget, track investments, plan debt, and model what-ifs. All in one app. Starting at $7.42/month.
Download on iOS
Download on Android
Connected finances
Your finances, fully connected
Link banks, cards, loans, and investments through a secure connection. OctoWealth turns that data into a command center for balances, cash flow, and what needs your attention next.
Product
More than budgeting. Built for control.
OctoWealth is for people who want stronger security, clearer planning tools, and proactive money workflows, not just another “all-in-one” label.
Security that feels serious
PIN lock, biometric login, two-step verification, and hide-amounts privacy, so your data stays yours, especially on shared devices.
See security & privacy →
Bills & subscriptions
Surface recurring charges, due dates, and patterns from your transaction history, so you can cancel waste before it renews.
Learn more →
Debt strategy
Compare snowball, avalanche, and cash-flow approaches with payoff dates and interest, then save a plan you can follow.
Learn more →
Financial simulator
Model income and spending changes before you commit, plus equity scenarios when your compensation isn’t only cash.
Learn more →Wealth visibility
See where your money is. Decide what to do next.
Wealth-focused visibility across reports, budgets, and transactions, so you move from clarity to action instead of stopping at a monthly total.
Reporting
Cash flow & exports
Income, spending, and net in one place, with charts you can export when you need to share or archive.
Budgets
Guardrails, not guesswork
Category budgets, progress, and alerts when spending runs hot, paired with investing context so you’re not optimizing in a vacuum.
Transactions
Insights that drive decisions
Search, filter, and scan spending by category and time, so the next step (cut, reallocate, or plan) is obvious.
Pricing
The tools you need. The price you deserve.
OctoWealth is the only budgeting app that combines debt payoff strategies, a what-if simulator, receipt scanning, and investment tracking, at $89/year, for less than typical alternatives.
OctoWealth Premium is paid subscription only. No ads, we don’t sell your data, and no broad permanent free tier. Start with a 14-day free trial, then pick annual or monthly billing. Annual is the default offer and saves money if you stay a full year.
Annual
$89
per year (~$7.42/mo avg.)
Billed once per year
Monthly
$8.99
per month
Same Premium features
| Feature | OctoWealth | Monarch Money | Rocket Money | YNAB |
|---|---|---|---|---|
| Annual price | $89/yr ~$7.42/mo | $99.99/yr $14.99/mo | $72-$144/yr* $6-$14/mo | $109/yr $14.99/mo |
| Net worth tracking | | | | |
| Investment portfolio tracking | | | | |
| Debt payoff strategies (snowball / avalanche / cashflow) | | | | |
| What-if simulator with equity & RSU modeling | | | | |
| Custom transaction rules engine | | Basic | | Basic |
| Receipt scanning | | | | |
| Bills & subscription detection | | | 35-60% fee on savings | |
| Sankey cash-flow diagrams | | | | |
| Biometric & PIN app lock | | | | |
| Hide amounts mode | | | | |
| Data export (JSON / CSV / PDF) | | CSV | Limited | CSV |
| GDPR-style scheduled deletion | Scheduled with cancel | | | |
| Ad-free experience | | | | |
Competitor pricing and features based on publicly available information as of April 2026. Subject to change. *Rocket Money annual pricing is a range based on published monthly tiers ($6-$14/mo x 12).
Start your 14-day free trial. All features, no tiers, no hidden upsells.
Trust
Built for people who take their money seriously
Biometric lock, PIN, two-factor authentication, and a hide-amounts mode for when someone is looking over your shoulder. Export your data anytime. Schedule account deletion and cancel if you change your mind. We don’t sell your data. We don’t show you ads.
Connected through Plaid Read-only bank access Questions?
Browse in-app FAQs and help articles, or email us when something doesn’t look right.
Try free for 14 days
Stop paying more for less.
Monarch charges $14.99/month and doesn’t have a debt planner. YNAB charges $14.99/month and doesn’t track your investments. Rocket Money takes a cut of your savings and calls it a feature. OctoWealth does it all for $7.42/month.