FUNFIN is an app that tells you how much money you can spend today: it subtracts rent, loans and savings from your accounts, then divides the rest across the days until payday. Four of the five apps below do their job well — it’s just a different job. Here’s where the line falls.
| Question | FUNFIN | monobank | Saldo | Monefy | Wallet | YNAB |
|---|---|---|---|---|---|---|
| What the app is for | A decisionhow much you can spend today | A bankaccounts, cards, transfers | Trackingexpenses, income, upcoming bills | Trackinglog an expense quickly | Trackingbudgets, reports, cash flow | Budgetinggive every hryvnia a job |
| Tells you how much you can spend today | Yesthe app’s main number | Noshows the card balance | Noshows spending for a period | Noshows spending for a period | Partlywhat’s left of the monthly budget | Partlywhat’s left in the categories |
| Counts up to which date | To the next money19 days or 40, whichever | —a bank doesn’t count periods | Calendar month | Calendar month | Calendar month | Calendar month |
| Subtracts upcoming payments and debts | Yesrent, loan, credit card, money owed to a person | Nothe balance shows everything together | Partlyreminds you of upcoming bills | Norecurring expenses exist but aren’t subtracted | Partlyshows how scheduled payments affect cash flow | Partlyyou set money aside by hand |
| Shows where the number came from | Yesevery line is labeled with its origin | Partlycategory statistics | Partlytotals by category | Partlytotals by category | Partlytotals by category | Yesthe movement of every hryvnia between categories |
| Pulls in purchases from a Ukrainian bank automatically | Yesmonobank, in real time | Yesit is the bank | NoUS and Canadian banks | Nomanual entry only | Unknownno Ukrainian banks listed | Nono bank connection for Ukraine |
| A loan with a payment schedule | Yesdebt and bank fee shown separately in every payment | Unknownwe didn’t check | Unknownhas debts, details not stated | No | Partlytracks a debt without splitting principal and interest | Partlycalculates interest, full breakdown on the web only |
| Ukrainian language and the hryvnia | Yesthe product’s language | Yes | Unknownthe app is built for the US market | YesUkrainian is available, 150+ currencies | YesUkrainian is among 48 languages | NoEnglish, one currency per budget |
| Price | The core is freeone bank automatically is free too; AI and a second bank are 79 ₴ a month | Freeit’s a bank | Has a paid version | Has a paid versionthe basics are free | Has a paid versionthe basics are free | Subscriptionno free version |
The table scrolls sideways. “Partly” means the app does something similar but answers a different question. “Unknown” means we couldn’t find confirmation and don’t want to make anything up. Compiled on September 19, 2026 from official websites and app store pages. We don’t quote exact prices because they change and differ from country to country. Spotted a mistake? Write to us and we’ll fix it.
A comparison in which the competitors are bad at everything isn’t a comparison, it’s an ad. Here’s what they do better than us, and what that leaves for you to work out.
Money and purchases arrive instantly, because it’s the bank itself. Reliable, convenient, and almost everyone has it. It has an open API, which we use too.
The bank shows everything on the card, including money already promised to someone. How much of it is yours is for you to calculate.
A whole ecosystem around money: tracking, client invoices, a receipt scanner. It pulls data automatically from hundreds of US and Canadian banks.
The app is built for the American market: Ukrainian banks don’t connect there. And it doesn’t ask “how much can I spend today?”
Logging an expense takes two taps. And your data stays on your device: the app doesn’t even ask for access to your bank.
Everything is manual. The app knows nothing about upcoming payments or what tomorrow holds.
The broadest set of the five: categories, budgets, reports, scheduled payments and bank connections in Europe.
The budget lives within the calendar month. None of the listed banks are Ukrainian, so you’ll have to enter purchases yourself.
The strongest methodology in the category: every hryvnia gets a purpose. Loans accrue interest at the stated rate, and you can see the payment breakdown.
You have to learn the method and allocate money by hand. English only, a subscription, one currency per budget, and Ukrainian banks don’t connect.
None of the five gives a Ukrainian an answer for tomorrow along with purchases that arrive from the bank on their own. Here’s what exactly we do differently.
Other apps hand you a table and leave the conclusion to you. FUNFIN draws the conclusion: 437 ₴ today. The table is there too, but further down, and it explains exactly that number.
Not to the end of the month. If you’re paid on October 8, we divide by 19 days. For people who are paid unevenly, the calendar month is simply the wrong unit.
Rent, a loan payment, money you owe a friend and your reserve disappear from the number before you pay them. So the number doesn’t jump sharply when the 22nd arrives.
Money in envelopes and your reserve are subtracted from the daily number. And when you spend from an envelope, the number doesn’t twitch: that money was already counted as set aside.
You set three levels: minimum, target and maximum. The app picks the one your income for this period can sustain. So the budget doesn’t break in a bad month and doesn’t lie in a good one.
You ask in words — the answer comes from the same calculation as on the screens. It doesn’t name funds or banks, doesn’t do anything on its own, and shows how a tip would change your daily number.
Every line is labeled: this has already happened, this is planned, and this we calculated. Money that’s only been promised sits apart and stays out of the total.
If you need something on this list, it’s more honest to say so up front.
Connect a card or type in one balance. Your number appears after step two, and then you’ll see whether it answers your question.