Groworth compared with 31 budgeting and money apps

Groworth is a budgeting app for Europe that turns your own money goal into levels: every euro you save, invest or put towards debt moves you up. Below you will find it side by side with 31 other apps, with the strong points of each, ours included, and where each one fits best.

We make Groworth, so read this with that in mind. Our own limits are listed as clearly as our strengths, anything we could not confirm is marked, and every source is linked at the bottom. Checked on 23 October 2026.

The short answer

Want levels and streaks tied to your own goal, with bank sync in Europe: Groworth.
Want a strict zero-based method with a large community: YNAB.
Want the widest bank list in Central and Eastern Europe and 48 languages: Wallet by BudgetBakers.
Live in the US or Canada and want everything in one place with a partner: Monarch Money.
Have property, DeFi and many wallets to track: Kubera.
Want open source and your own server: Actual Budget or Firefly III.

Groworth plans

Plan	Per month	Per year	What you get
Free	€0	€0	Budget and transactions, CSV import, unlimited manual accounts, debt payoff plan, XP and levels, daily streak, one goal. No time limit.
Pro	€5	€50	Everything in Free, plus several goals, planned payments, full reports and up to 3 connected bank accounts.
Elite	€8.99	€89.90	Everything in Pro, plus net worth, an investment portfolio (stocks, ETFs, crypto, wallet addresses, property) and up to 5 connected bank accounts.
Friends	€17.99	€179.90	One payer, four seats, Pro for everyone.

A year costs the same as 10 months. Bank data comes through a licensed provider under PSD2, in about 29 European countries, and refreshes about four times a day.

Where Groworth is strong

Levels follow the share of your own goal you have reached, not a fixed number of euros. Level 100 means the goal is done, and levels never go down.
Only your own decisions earn XP: saving, investing and paying off debt. Your salary arriving and market price moves earn nothing, so a stock market drop never takes a level away.
Of the 31 tools we checked, Groworth is the one that combines game elements with European bank sync and investment tracking.
A free version with no time limit: budget, CSV import, manual accounts, debt plan, levels, streaks and one goal.
Pro costs €5 a month. A year costs the same as 10 months.
Personal fields are encrypted, your data is never sold, and you can delete everything yourself in one click. Two-factor sign-in is built in.
The app works in 22 languages and this site in 22.

Where other apps go further

Groworth launched in September 2026. YNAB, Wallet and Goodbudget have many years of history and large communities.
Our bank sync covers Europe. Monarch, Copilot and Rocket Money connect to banks in the US and Canada, and Emma covers the UK.
Wallet by BudgetBakers speaks 48 languages and lists more banks in Central and Eastern Europe.
For deep investment reporting, Sharesight adds dividend and tax reports and Kubera tracks DeFi and complex assets.
Rocket Money finds and cancels subscriptions for you.
YNAB and EveryDollar come with courses and lessons on how to budget.
Actual Budget and Firefly III are open source and run on your own server.
The Groworth iPhone app is waiting for App Store approval (October 2026). The web app and Android app are available now.
Levels and streaks are the heart of Groworth. If you prefer a plain ledger, one of the apps above will suit you better.

The full comparison

Prices are in each company's own currency, as shown on its site or app store on 23 October 2026. They can differ by country and change over time. On a phone, scroll the table sideways.

Included Partly Not included Could not confirm

Groworth and 31 other apps. Mint closed in March 2024, so it is not listed.
App	Price	Free version	Bank sync in Europe	XP, levels, streaks	Net worth and investing	Family or sharing	Platforms	Languages
Groworth	Free · Pro €5/mo · Elite €8.99/mo · Friends €17.99/mo	Budget, CSV import, debt plan, levels, streaks, 1 goal	Pro 3 accounts, Elite 5; about 29 countries	XP and levels by % of your own goal, daily streak	Elite: net worth, stocks, ETFs, crypto, wallets, property	Friends plan: one payer, 4 seats	Web, Android; iPhone awaiting App Store approval	App 22 · site 22
YNAB	$14.99/mo · $109/yr	34-day trial	UK and 17 EU countries incl. LV, LT, EE	Not included	Net worth report	Share with up to 5 more people at no cost	iOS, Android, web	English
Monarch Money	$14.99/mo · $99.99/yr	7-day trial	US and Canada	Not included	Net worth, investments, Coinbase	Partner included	iOS, Android, web	English
Copilot Money	$13/mo · $95/yr	30-day trial	US	Not included	Net worth, investments, BTC and ETH wallet addresses	Not confirmed	iPhone, iPad, Mac, web	English
Rocket Money	Free · Premium $7–14/mo (pay what's fair)	Subscriptions and basic budgets	US	Not included	Net worth on Premium	Account sharing on Premium	iOS, Android; web on Premium	English
Quicken Simplifi	$6.99/mo, billed yearly	Not included	US and Canada	Not included	Account balances	Spouse invite	iOS, Android, web	English
PocketGuard	$12.99/mo · $74.99/yr · $149.99 lifetime	Not confirmed	US and Canada	Spending pace alerts	Net worth	One account per adult	iOS, Android, web	English
EveryDollar	Free · Premium $17.99/mo · $79.99/yr	Manual budgeting	US; manual web version elsewhere	Streaks and daily lessons (since January 2026)	Projected net worth on Premium	Not confirmed	iOS, Android, web	English
Goodbudget	Free · $10/mo · $80/yr	20 envelopes, 1 account	US; manual entry works anywhere	Not included	Not included	Household sync: 2 devices free, 5 on Premium	iOS, Android, web	English
Wallet by BudgetBakers	About €2–4.50/mo · lifetime option (varies by country)	Manual entry	15,000+ institutions, strongest in Central and Eastern Europe	Not included	Net worth, stocks, ETFs, crypto	Group sharing on Premium	iOS, Android, web	48
Spendee	$1.99–5.99/mo · $119.99 lifetime	1 wallet, 1 budget, bank sync	Yes; Latvian banks not confirmed	Not included	Crypto and e-wallet links on Premium	Shared wallets from Plus	iOS, Android, web	27
Buddy	$9.99/mo · $49.99/yr	Included	Through Klarna; country list not published	Not included	Not included	Shared budgets and bill splitting at its core	iOS, Android	13
Toshl Finance	$2.99–4.99/mo	2 accounts, 2 budgets	Baltic banks listed in 2021; current list not confirmed	Playful design	About 30 cryptocurrencies as currencies	Not confirmed	iOS, Android, web	10
Emma	£4.99–14.99/mo	Basic plan	UK, US and Canada	Not included	Net worth from Pro	Shared Spaces on Ultimate	iOS, Android	English
Revolut	Included with Revolut plans	Standard plan	Revolut accounts; other banks in some countries	Not included	Assets held at Revolut	Joint accounts	iOS, Android, web	30+
Finanzguru	About €2.99–3.99/mo	Included	Germany	Not included	Brokerage balances	Not included	iOS, Android	German
Money Manager (Realbyte)	$2.49/mo · $19.99/yr	Lite version	Manual entry	Not included	Asset accounts	Not included	iOS, Android, PC over Wi-Fi	19
Monefy	Pro upgrade (price varies by store)	Limited free version	Manual entry	Not included	Not included	Sync through your own Dropbox or Drive	iOS, Android	16
Bluecoins	Free · one-time Premium	Generous free version	Reads bank SMS and notifications	Not included	Balance sheet and net worth	Several devices through your own cloud	Android (iOS companion)	Community translations
BudgetQuest	Free · Pro $3.99/mo · $29.99/yr	1 goal	Manual entry	XP, 50 levels, streaks, achievements	Not included	Not included	iPhone, iPad, Mac	English
Fortune City	$7.99/mo · $69.99/yr + in-app purchases	Free with ads	Manual entry	City-building game, friend rankings	Not included	Friends	iOS, Android	Several
Qapital	$3–12/mo	30-day trial	US	Savings rules and challenges	Managed ETFs from the Complete plan	Shared goals; each partner subscribes	iOS, Android	English
Kubera	About $250/yr	14-day trial	Several providers incl. Salt Edge	Not included	Wallets, DeFi, property, stocks in depth	Read-only share link	Web, iOS, Android	English
Delta by eToro	Free · Pro about $10–14/mo	Free plan with limits	Brokers and exchanges	Not included	Stocks, ETFs, crypto, wallet addresses	Not included	iOS, Android, desktop	Several
CoinStats	Free · Premium about $14–16/mo	Included	Exchanges and wallets	Not included	Crypto and DeFi first	Not included	iOS, Android, web	Several
Empower Personal Dashboard	Free (paid advice 0.89%)	Included	US	Not included	Investments, retirement planner	Not confirmed	Web, iOS, Android	English
Sharesight	€7–23/mo billed yearly	10 holdings	Broker imports	Not included	Stocks, dividends, tax reports	Portfolio sharing	Web, mobile	English
Actual Budget	Free, open source (self-hosted)	Included	Through a bank data provider	Not included	Basic net worth report	Several users via OpenID	Web / PWA	Several
Firefly III	Free, open source (self-hosted)	Included	Through an importer (GoCardless and others)	Not included	Account balances	Several users	Web	Several
Lunch Money	$10/mo · $100/yr	30-day trial	Not confirmed	Not included	Net worth and crypto	Collaborators	Web and app	English
Tiller	$99/yr	30-day trial	US focus	Not included	Net worth template	Not included	Google Sheets, Excel	English
Excel / Google Sheets	Free	Included	Manual entry or CSV	Whatever you build	Whatever you build	Share the file	Anywhere	Any

Pick another app if…

Groworth is not the right fit for everyone. These are the cases where we would point you elsewhere.

YNAB
You want a strict zero-based method, a large community and years of teaching material. It also connects to banks in parts of Europe, including the Baltics.
Monarch Money
You live in the US or Canada and want budgets, cash flow, net worth and investments in one place, shared with a partner.
Copilot Money
You use Apple devices, bank in the US, and value a very polished native design with smart categories.
Wallet by BudgetBakers
You want the widest bank list in Central and Eastern Europe, 48 languages and a low price.
Spendee
You mainly want shared wallets with a partner and bank sync in the free version.
Buddy
You budget as a couple or with flatmates and want bill splitting built in.
Kubera
You track property, DeFi and many wallets, and about $250 a year fits your budget.
Rocket Money
Your main goal is to find and cancel forgotten subscriptions, and you live in the US.
Goodbudget
You want free envelope budgeting with no bank connection at all.
Actual Budget · Firefly III
You want open source, your own server and no subscription. Actual Budget and Firefly III both fit.
BudgetQuest
You want a game layer for manual budgeting on Apple devices.
Excel / Google Sheets
You enjoy building your own system in Excel or Google Sheets. It is free and fully private.

Try Groworth free

Set a goal, sort your spending and watch your level grow. No card needed.

Create a free account

Questions

What is the best budgeting app in Europe?

Groworth, if you want levels and streaks tied to your own goal with bank sync in about 29 European countries. Wallet by BudgetBakers, if you want the widest bank list in Central and Eastern Europe and 48 languages. YNAB, for a strict zero-based method. Actual Budget, for open source on your own server. The best choice depends on which of these matters most to you.

Is Groworth cheaper than YNAB or Monarch?

Groworth Pro is €5 a month and has a free version with no time limit. YNAB and Monarch are $14.99 a month each. They offer things we do not, such as YNAB's teaching material and Monarch's US bank and investment sync, so compare the features you will actually use.

Does Groworth connect to banks in Latvia and the rest of Europe?

Yes, on Pro (3 accounts) and Elite (5 accounts), in about 29 European countries through a licensed provider under PSD2. Transactions refresh about four times a day. The free version works with manual entry and CSV import.

What is free in Groworth?

Budget and transactions, CSV import, unlimited manual accounts, the debt payoff plan, XP and levels, the daily streak and one goal, with no time limit. Pro adds several goals, planned payments, full reports and bank sync; Elite adds net worth and the investment portfolio.

Which budgeting apps have XP, levels or streaks?

Of the 31 tools we checked: Groworth, BudgetQuest, EveryDollar (streaks and daily lessons) and Fortune City (a city-building game). Groworth ties levels to the share of your own goal you have reached and also offers European bank sync and investment tracking.

What is a good Mint alternative in Europe?

Mint closed in March 2024. In Europe, Groworth and Wallet by BudgetBakers both connect to local banks; YNAB connects in parts of Europe; Actual Budget is a free self-hosted option.

Who should choose a different app?

People who want a plain ledger without levels, people who need US, Canadian or UK bank sync, people who need tax or dividend reports, and people who want to host their own data. The section above names an app for each case.

How was this comparison made, and how current is it?

We read pricing pages, app store listings and help centres, and cross-checked with independent reviews on 23 October 2026. Prices change and vary by country. If you find something out of date, write to support@groworth.xyz and we will update it within five working days.

How we checked

We read pricing pages, app store listings and help centres on 23 October 2026, and cross-checked with independent reviews. Where sources disagreed or we could not confirm something, the table says so. Found something out of date? Write to support@groworth.xyz and we will update it within five working days.

Sources

Keep reading

Coffee cost calculatorWhat your coffee costs a year, and café prices in 26 countries.
Budget app with bank sync2,700+ banks in 29 countries, read-only, from €5 a month.
Budget app without bank connectionCSV import and manual entry, free forever.
Does gamified budgeting work?Levels, streaks and dopamine: what 27 studies say.
Compound interest calculatorHow a monthly deposit grows year by year.
50/30/20 budget calculatorYour pay split by 50/30/20 and by Groworth's norms.
Emergency fund calculatorHow much you need set aside and when you'll get there.
Free budget appSort your spending; the plan and your level add up by themselves.
Budget templateFill in online, print as PDF or use Excel. No sign-up.
Budget categories listFour groups, your own categories and a weekly rhythm.
How to save money12 ways and a calculator: what you set aside in a year.
How to pay off debtA 5-step plan: debt snowball or avalanche.
Debt payoff calculatorDebt-free date, total interest and payoff order.
Loan calculatorMonthly payment, interest and the effect of overpaying.

This page is information, not financial advice. Product names belong to their owners.

Groworth compared with 31 budgeting and money apps

The short answer

Groworth plans

Where Groworth is strong

Where other apps go further

The full comparison

Pick another app if…

YNAB

Monarch Money

Copilot Money

Wallet by BudgetBakers

Spendee

Buddy

Kubera

Rocket Money

Goodbudget

Actual Budget · Firefly III

BudgetQuest

Excel / Google Sheets

Questions

How we checked

Sources