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Side-by-side comparison
How Comma stacks up.
Every app below requires continuous access to your bank account. Comma doesn't. Here's how the rest compares.
Show competitors
| Comma | WeMoney | Emma | PocketSmith | YNAB | Monarch | |
|---|---|---|---|---|---|---|
| Bank connection | ✓ CSV import onlyNo credentials. No continuous access. | ✗ Open bankingCDR via Basiq | ✗ Open bankingPlaid / TrueLayer | ✗ Open bankingYodlee / MX | ✗ Open bankingPlaid | ✗ Open bankingPlaid / MX |
| Data readable on servers | ✓ No — encrypted client-sideAES-256-GCM. We can't read it. | ✗ Yes — plaintext | ✗ Yes — plaintext | ✗ Yes — plaintext | ✗ Yes — plaintext | ✗ Yes — plaintext |
| If provider is breached | ✓ Attacker gets encrypted blobsUnreadable without your password | ✗ Data exposed | ✗ Data exposed | ✗ Data exposed | ✗ Data exposed | ✗ Data exposed |
| Pricing model | ✓ Pay once, own foreverA$149 / £79 / US$99 | Subscription~A$70/yr | Subscription~A$75/yr | Subscription~A$220–590/yr | Subscription~A$145/yr | Subscription~A$145/yr |
| Free tier | ✓ Full dashboard, no accountBrowser-only, works forever | Limited | Limited | LimitedFew accounts, no feeds | ✗ 34-day trial only | ✗ 7-day trial only |
| Country support | ✓ AU, UK, US, NZ, CAPer-country pricing in local currency | AU only | UK, US, CA | GlobalNZ-based | US-focused | US, CA |
| Tracking & ads | ✓ NoneNo cookies, no ads, no data monetisation | ✗ Analytics & partners | ✗ Analytics & sponsored | Analytics only | Analytics only | Analytics only |
| Spending heatmap | ✓ 5 industry firstsCategory cells, ghost days, EKG, streaks | ✗ Not available | ✗ Not available | ✗ Not available | ✗ Not available | ✗ Not available |
| FIRE dashboard | ✓ 4 variants, Monte CarloTraditional, Lean, Coast, Barista | ✗ Not available | ✗ Not available | Basic projections | ✗ Not available | ✗ Not available |
| Gambling tracking | ✓ Free, 341 venue patternsOnline + cash at venues, encrypted | ✗ Not available | ✗ Not available | ✗ Not available | ✗ Not available | ✗ Not available |
| Tax intelligence | ✓ 5 engines, relocate solverWorld salary map + PPP | ✗ Not available | ✗ Not available | ✗ Not available | ✗ Not available | ✗ Not available |
| Live money flow diagram | ✓ Industry firstAnimated Sankey with slider | ✗ Not available | ✗ Not available | ✗ Not available | ✗ Not available | ✗ Not available |
Annual cost
Other apps cost $130–$590 per year, every year.
Comma Pro is $149 once.
No recurring charges. No price increases. No subscription trap. Pay once, own it forever — across all five launch markets.
Competitor information based on publicly available data as of April 2026. Features and pricing may have changed. If you spot an error, email hello@comma.finance.
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