Your secure home base for money clarity
Connect accounts, track investments, manage spending, and plan ahead—with privacy-first controls and serious app security.
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—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
Compare on control, planning, and price
See how OctoWealth stacks up on security-minded app controls, debt and simulation tools, and subscription cost versus Monarch Money, Rocket Money, and YNAB.
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
$79
per year (~$6.58/mo avg.)
Billed once per year
Monthly
$8.99
per month
Same Premium features
| Feature | OctoWealth | Monarch Money | Rocket Money | YNAB |
|---|---|---|---|---|
| Price | $79/yr $8.99/mo | ~$100/yr $14.99/mo | ~$72–$144/yr* $6–$12/mo | $99/yr $14.99/mo |
| Automatic bank account syncing | | | | |
| Net worth tracking | | | | |
| Cash flow visibility | | | | |
| Budgets and overspending alerts | | | | |
| Investment portfolio tracking | | | | |
| Debt payoff planner | | | | |
| Bill & subscription tracking | | | | |
| What-if financial simulator | | | | |
| Equity & RSU vesting simulator | | | | |
| Receipt scanning | | | | |
| Custom transaction rules | | | | |
| CSV & PDF export | | | | |
| Customizable dashboard | | | | |
| Ad-free experience | | | | |
| Biometric & PIN app lock | | | | |
Competitor pricing and features based on publicly available information as of March 2026. Subject to change. *Where annual pricing isn’t published, the yearly line is a rough range from the stated monthly band (12×).
Take control of planning, security, and wealth visibility—in one app.
Trust
Security and privacy built in
A finance app should feel as serious as your money. PIN, biometrics, two-step verification, and instant privacy toggles sit alongside read-only bank access and encrypted storage.
Connected through Plaid Read-only bank access Questions?
Browse in-app FAQs and help articles, or email us when something doesn’t look right.
Get started
Take control of your financial life in one place
OctoWealth helps you securely manage accounts, investments, spending, and financial plans—with privacy-first controls and tools built for action, not passive budgeting alone.