Or $69.99 a year, which works out to $5.83 a month. Both start with a 1-month free trial.
One plan. Everyone gets everything.
$7.99/month
Billed monthly.
$69.99/year
Works out to $5.83/mo. Save $25.89 (27%) compared with paying monthly.
Everything included:
Why one plan
One price, one feature set. You never have to wonder what you are missing.
There is no basic or premium version. Everyone gets the same KernelCash.
Budgets, imports, analytics, goals and Spaces are all included.
Invite unlimited collaborators to a Space without paying more.
Compare
The biggest difference is privacy: KernelCash never connects to your bank. Here is how the prices and features line up.
| App | Monthly price | Yearly price | Free option or trial | Connects to your bank | File import | Selling your data |
|---|---|---|---|---|---|---|
| KernelCash | $7.99 | $69.99 | 1-month free trial | Never. No bank connection exists. | OFX and QFX | Never sells your data |
| YNAB | $14.99 | $109 | 34-day free trial | Optional | Yes | See vendor policy |
| Monarch Money Core | $14.99 | $99.99 | 7-day free trial | Optional | Yes | See vendor policy |
| Copilot Money | $13 | $95 | Free trial | Optional | No | See vendor policy |
| Quicken Simplifi | Annual only | $83.88 ($47.88 first-year promo) | None listed | Optional | Yes | See vendor policy |
| EveryDollar Premium | $17.99 | $79.99 | Free plan; 14-day Premium trial | Optional | See vendor | See vendor policy |
Prices in USD as listed on each vendor’s own site as of . Sources: YNAB, Monarch Money, Copilot Money, Quicken Simplifi, EveryDollar.
YNAB, Monarch Money, Copilot Money, Quicken Simplifi and EveryDollar are trademarks of their respective owners. KernelCash is not affiliated with or endorsed by them.
KernelCash costs less: $7.99 a month or $69.99 a year, compared with $14.99 a month or $109 a year for YNAB.
YNAB supports linked accounts as well as unlinked accounts with file-based import, including OFX and QFX. KernelCash never connects to your bank: you upload the OFX or QFX files you download yourself, and it will never sell your data.
Source: YNAB pricing · YNAB help center
KernelCash costs less: $7.99 a month or $69.99 a year, compared with $14.99 a month or $99.99 a year for Monarch Money Core.
Monarch connects to your financial accounts, and also offers manual accounts and file imports. KernelCash never connects to your bank: you upload the OFX or QFX files you download yourself, and it will never sell your data.
KernelCash costs less: $7.99 a month or $69.99 a year, compared with $13 a month or $95 a year for Copilot Money.
Copilot connects to your financial accounts. It also offers manual accounts, but its help center says transaction file imports are not supported. KernelCash never connects to your bank: you upload the OFX or QFX files you download yourself, and it will never sell your data.
KernelCash’s $69.99 a year is below Quicken Simplifi’s regular price of $83.88 a year, and KernelCash also offers monthly billing at $7.99. Quicken Simplifi’s first-year promotional price of $47.88 is lower for the first year.
Simplifi is billed annually only, at $6.99 a month ($83.88 a year), with a first-year promotional price for new members. It connects to your financial accounts and also supports file imports. KernelCash never connects to your bank: you upload the OFX or QFX files you download yourself, and it will never sell your data.
Source: Quicken Simplifi pricing · Quicken Simplifi help center
KernelCash costs less: $7.99 a month or $69.99 a year, compared with $17.99 a month or $79.99 a year for EveryDollar Premium.
EveryDollar has a free plan with manual transaction entry. Connecting your bank is a Premium feature. KernelCash never connects to your bank: you upload the OFX or QFX files you download yourself, and it will never sell your data.
Source: EveryDollar pricing
Trial, card, billing and sharing.
Still have questions? Email support@kernelcash.com
There is one plan, Pro, at $7.99 a month or $69.99 a year. The yearly plan works out to $5.83 a month and saves 27%. Every feature is included.
Yes. Both the monthly and yearly plans start with a 1-month free trial. A card is required to start your trial.
Payments are handled by Stripe. After your trial, you are billed monthly or yearly depending on the plan you chose.
Start with a 1-month free trial. Every feature is included from day one.