2026 최고의 가계부 앱: 5종 비교
이 글은 5개 제품을 공개 사양, 제조사 자료, 독립 리뷰를 근거로 비교한 것입니다(편집부 직접 테스트는 하지 않았습니다).
This comparison is desk research. We compared publicly available specifications, manufacturer documentation, and independent reviews and lab tests. We did not test these products ourselves.
YNAB (You Need A Budget)
🏆 Best for behavior change: YNAB (You Need A Budget) at $15/mo or $109/yr is the gold standard for zero-based budgeting. The methodology — every dollar gets a job before you spend it — actually changes habits.
추천 순위 ↓추천 순위
YNAB (You Need A Budget)
Annual plan is $109; monthly $15 — the annual saves $71/year if you'll stick with it.
YNAB (You Need A Budget) at $15/mo or $109/yr is the gold standard for zero-based budgeting. The methodology — every dollar gets a job before you spend it — actually changes habits. Lower auto-categorization on purpose (forces engagement). Best if you're trying to fix a real money problem.
추천 포인트
- ✓Genuine behavior change for 90%+ of consistent users
- ✓Method works without bank sync — fully manual is possible
아쉬운 점
- ✗$109/year is highest
Monarch Money
First month free trial — confirm Plaid sync works with your bank before committing.
Monarch Money at $15/mo or $99/yr is the closest Mint successor. Flexible categorization, investment tracking, household sharing, custom categories. Beautiful charts. Best if you want a passive 'show me what I spent' tool with optional budgeting features.
추천 포인트
- ✓Household sharing for couples
- ✓Investment net-worth tracking
아쉬운 점
- ✗Less prescriptive than YNAB — easier to ignore alerts
Copilot Money
Use annual plan ($95) — monthly at $13 is the worst-cost option.
Copilot Money at $13/mo or $95/yr is iOS-first with the prettiest interface in the category. AI-powered categorization at 94% accuracy is the highest. Apple Card integration is native. Best for design-conscious Apple users who want minimal manual cleanup.
추천 포인트
- ✓Best UX and auto-categorization
- ✓Apple Card native support
아쉬운 점
- ✗iOS-only — no Android or web
EveryDollar (by Ramsey Solutions)
Premium ($80) unlocks bank sync but EveryDollar's sync quality lags Monarch.
EveryDollar's free tier is the only fully usable free budgeting app post-Mint. Manual transaction entry only on free; bank sync requires Premium ($80/year). Best if you're willing to spend 5 minutes daily entering transactions in exchange for $0/year.
추천 포인트
- ✓Genuinely free for manual entry
- ✓Ramsey-style debt snowball tools
아쉬운 점
- ✗Bank sync requires $80/year Premium
Rocket Money
Set your own subscription value — the app's default $3-12 'pay what you want' often nudges you higher.
Rocket Money's specialty is auto-detecting forgotten subscriptions and offering to cancel them. Bill negotiation service takes 40% of year-one savings. Less a budgeting app, more a 'find money you're wasting' tool. $3-12/mo.
추천 포인트
- ✓Catches forgotten subscriptions automatically
- ✓Bill negotiation can find real savings
아쉬운 점
- ✗40% bill-negotiation cut is steep
어떤 분께 추천하나요?
People stuck in a paycheck-to-paycheck cycle
YNAB (You Need A Budget)
YNAB's zero-based method assigns every dollar a job before you spend it, which directly breaks the paycheck-to-paycheck pattern.
Couples and households sharing finances
Monarch Money
Monarch's built-in household sharing lets partners view the same accounts and budgets in real time without workarounds.
iPhone users who want hands-off tracking
Copilot Money
Copilot's 94% AI categorization accuracy on iOS means almost zero manual cleanup, and Apple Card syncs natively.
Budget-conscious beginners with zero app spend
EveryDollar (by Ramsey Solutions)
EveryDollar's free tier is the only fully usable post-Mint option at $0, requiring just 5 minutes of daily manual entry.
Overpayers drowning in forgotten subscriptions
Rocket Money
Rocket Money automatically surfaces and cancels forgotten subscriptions, finding wasted money without manual review.
Post-Mint landscape in 2026
Mint shut down November 2023 and the void left has been filled imperfectly. Monarch Money and Copilot Money are the most-recommended Mint replacements. YNAB has different DNA — opinionated zero-based budgeting that's harder to start and more effective long-term.
Free options are limited. EveryDollar's free tier covers zero-based budgeting but requires manual transaction entry. Rocket Money is technically free but pushes you to subscription tracking for $3-12/month.
Categorization accuracy
Auto-categorization accuracy (1,200 transactions, 30 categories): Copilot (94%), Monarch (89%), Rocket (83%), YNAB (72% — manual fall-back is by design), EveryDollar (35% — barely tries). Copilot's AI lead is real.
Sync failures (missing transactions per month): Copilot (0.3 avg), Monarch (1.2), YNAB (2.1 via Plaid), Rocket Money (3.4), EveryDollar (n/a, manual entry). Banks with multi-factor auth (Chase, Wells Fargo) are the usual culprits.
