Melhor app de orçamento 2026: 5 comparados
5 opções comparadas a partir de especificações publicadas, documentação do fabricante e testes independentes.
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.
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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.
Pontos positivos
- ✓Genuine behavior change for 90%+ of consistent users
- ✓Method works without bank sync — fully manual is possible
Pontos negativos
- ✗$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.
Pontos positivos
- ✓Household sharing for couples
- ✓Investment net-worth tracking
Pontos negativos
- ✗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.
Pontos positivos
- ✓Best UX and auto-categorization
- ✓Apple Card native support
Pontos negativos
- ✗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.
Pontos positivos
- ✓Genuinely free for manual entry
- ✓Ramsey-style debt snowball tools
Pontos negativos
- ✗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.
Pontos positivos
- ✓Catches forgotten subscriptions automatically
- ✓Bill negotiation can find real savings
Pontos negativos
- ✗40% bill-negotiation cut is steep
Para quem é indicado?
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.
