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Tips on budgeting, tracking expenses, and understanding where your money actually goes.
Tap to pay with Apple Pay and the expense is already in Spentio. No typing, no bank login. Here's how to set it up on iPhone.
You spend on the benefits card every week and your budget never sees a cent of it. Spentio lists HSA, FSA, commuter and lifestyle cards right next to your bank.
Monarch now runs $99.99 to $199 a year, has no free plan, and the top complaint in 2026 reviews is sync dropouts. Here are the alternatives worth considering, including one that reads your bank statements instead of asking for your login.
Most Mint replacements recycle the same formula: link your bank, pay around $100 a year, and start your history from scratch. Spentio reads your bank statements with AI instead. An honest comparison with Monarch, YNAB, Rocket Money, Copilot, and PocketGuard.
Built in Switzerland, powered by AI, designed for people with multiple banks, multiple currencies, and no patience for sharing logins. Here is what we do, and why.