Compare
How Ray compares
Most finance apps show you what you spent. Ray tells you what to do. Honest, side-by-side comparisons with the most popular personal finance tools — where they're stronger, and where Ray's local-first AI actually closes the loop.
Head-to-Head
Direct feature and philosophy comparisons.
Ray vs Mint
Mint was the default personal finance app for over a decade. After it shut down in 2024, millions of users lost their go...
Ray vs YNAB
YNAB (You Need A Budget) is a popular envelope budgeting app at $14.99/mo. Ray is an AI-first financial advisor that run...
Ray vs Copilot Money
Copilot Money is a sleek $13/mo iOS finance app. Ray is an open-source CLI with AI advice. Both connect to your bank — b...
Ray vs Monarch Money
Monarch Money is a $14.99/mo web and mobile finance dashboard built as the modern Mint replacement. Ray takes a differen...
Ray vs Spreadsheets
Spreadsheets give you total control over your finances. Ray gives you AI-powered answers with automatic bank sync. Here'...
Ray vs Tiller
Tiller pulls your bank data into Google Sheets or Excel. Ray pulls it into an AI advisor. Both give you more control tha...
Alternatives
Looking for a replacement? See how Ray fits in.
Best Mint Alternative in 2025
Mint shut down in March 2024, leaving millions of users looking for a replacement. Here's why Ray is the privacy-first, ...
Best YNAB Alternative in 2025
YNAB's envelope budgeting isn't for everyone — especially at $14.99/month. If you want AI-powered financial advice inste...