OctoWealth

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
Coming Winter 2026
OctoWealth home dashboard with net worth, smart insights, and cash flow

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.

1

Connect your bank

Find your institution and authorize read-only access—OctoWealth never moves money on your behalf.

2

Sync accounts

Balances and transactions refresh in the background so your view stays current without manual imports.

3

Command center clarity

Net worth, cash flow, insights, and alerts in one place—built for decisions, not passive scrolling.

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 →

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.

OctoWealth Reports screen with cash flow and category breakdown

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.

OctoWealth Budget screen with spending by category

Transactions

Insights that drive decisions

Search, filter, and scan spending by category and time—so the next step (cut, reallocate, or plan) is obvious.

OctoWealth Transactions screen with category insights

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.

Recommended

Annual

$79

per year (~$6.58/mo avg.)

Billed once per year

Monthly

$8.99

per month

Same Premium features

Strong value

$79/year (recommended) or $8.99/month—full Premium, no ads, no sale of your data. Compare against Monarch Money and YNAB on price and planning tools.

What-if & equity simulator

Adjust income and expense sliders to model decisions before you make them. Model RSU vesting and stock option scenarios alongside the rest of your financial picture.

Receipt scanning

Snap a photo of any receipt to log a transaction quickly. OctoWealth helps detect the merchant and amount when it can—so you spend less time on manual entry.

Biometric & PIN app lock

Lock the app with Face ID, fingerprint, or a PIN. Your financial data stays private even if someone else picks up your phone.

OctoWealth
Price $79/yr $8.99/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
Monarch Money
Price ~$100/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
Rocket Money
Price ~$72–$144/yr* $6–$12/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
YNAB
Price $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.

Download on iOS Download on Android

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.

PIN protection Require a PIN to open the app
Biometric lock Face ID, Touch ID, or fingerprint
Two-step verification Extra check when signing in
Hide balances Mask amounts in shared spaces
Plaid Connected through Plaid Read-only bank access
Encrypted storage OS-backed secure tokens
Read-only access We never move your money

Privacy controls & your data

Control what you share, export your information when you need it, and request deletion when you’re done—without digging through hidden menus.

Privacy-first overview Privacy policy

Questions?

Browse in-app FAQs and help articles, or email us when something doesn’t look right.

Contact support

Email: support@octowealthapp.com

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.

Download on iOS Download on Android
Coming Winter 2026