When it comes to a money-management apps, there’s no comparison to Banktivity
Side-by-side comparisons show that Banktivity is the one financial app that’s always on your side
| Feature | Banktivity | Simplifi | Monarch | YNAB | Copilot | Quicken Classic Mac |
|---|---|---|---|---|---|---|
| USER EXPERIENCE | ||||||
| WorkspacesView accounts, reports, or budgets side by side | Advanced | |||||
| Intuitive drill-down navigationClick any report, category, or budget item to go deeper | Advanced | Limited | Limited | Limited | Limited | Limited |
| Organize accounts into custom groupsGroup accounts into named collections with subgroups | Advanced | Limited | ||||
| Manage separate finances for family or organizationsMultiple fully isolated sets of accounts | Advanced | Limited | Limited | |||
| Apple Handoff supportPick up on Mac where you left off on iPhone — seamlessly | Advanced | |||||
| Apple Shortcuts supportOpen financial data to Apple's automation platform | Advanced | |||||
| BUDGETING METHODS | ||||||
| Zero-based budgetingAlso known as envelope budgeting | Limited | Limited | Limited | |||
| Traditional budgeting | Limited | |||||
| Multiple budget views | Limited | Limited | Limited | |||
| Budget rollover | Limited | Limited | ||||
| Variable month-to-month budgeting | ||||||
| Fund envelopes in the futureBudget next month before it begins | ||||||
| SPENDING & TRANSACTIONS | ||||||
| Expense tracking | Advanced | |||||
| Category customization | Advanced | Limited | Limited | |||
| Transaction tagging | Limited | Limited | ||||
| Recurring transaction management | Advanced | |||||
| Transaction splitting | ||||||
| Archive inactive categories | ||||||
| Transaction attachmentsAttach receipts and files to any transaction | Limited | |||||
| GOALS & PLANNING | ||||||
| Retirement projections | Advanced | Basic | Basic | Basic | ||
| Multiple simultaneous goals | Advanced | Basic | Basic | Basic | ||
| Debt payoff goals | Advanced | |||||
| Savings goals | Advanced | |||||
| College savings planning | Advanced | Basic | Basic | Basic | Basic | Basic |
| Goal progress tracking | Advanced | |||||
| What-if scenario modeling | Advanced | New | ||||
| Retirement date projection | Advanced | New | ||||
| Savings rate calculations | ||||||
| Extra payment scenarios | Advanced | Limited | ||||
| GENERAL REPORTS & ANALYTICS | ||||||
| Net worth reports | Advanced | Manual | ||||
| Cash flow reports | Limited | |||||
| Spending by category | ||||||
| Income vs expense | ||||||
| Budget vs actual | Advanced | Limited | ||||
| Custom report builder | Advanced | Limited | Limited | |||
| Ad-hoc reportingBuild instant reports from selected transactions | Advanced | |||||
| Report folders & organization | Limited | Limited | ||||
| Report export — PDF, CSV, Tab-delimited | Advanced | Limited | Limited | Limited | Limited | |
| Graphs & visualizations | Advanced | Basic | ||||
| INVESTMENT TRACKING — GENERAL | ||||||
| Individual securities tracking | Advanced | New | Basic | Basic | ||
| Stock quotes | New | Limited | Limited | |||
| Manual security tracking | Limited | Manual | Limited | |||
| Per-account portfolio drill-downSee each account's performance individually — Mac + iOS | Advanced | Limited | ||||
| Investment performance widgetDaily gains/losses on home screen — no app needed | ||||||
| Cryptocurrency tracking | Limited | Limited | ||||
| INVESTMENT TRACKING — DETAILED | ||||||
| Cost basis tracking | Advanced | New | ||||
| Tax lot management | Advanced | New | ||||
| Dividend tracking | Advanced | Limited | Limited | |||
| Capital gains tracking | Advanced | New | ||||
| Portfolio allocation | Advanced | New | Basic | Basic | ||
| Asset class breakdown | Advanced | New | Basic | Basic | ||
| Performance attribution | Advanced | Limited New | New | |||
| Security Detail Report on iPhoneFull investment history per security — now on iOS | Advanced | |||||
| INVESTMENT REPORTS | ||||||
| Portfolio value over time | Advanced | New | Basic | Basic | ||
| Investment performance reports | Advanced | New | Basic | |||
| Rate of return — IRR & ROI | Advanced | New | ||||
| Investment income reports | Advanced | New | Basic | Basic | ||
| Realized gains/losses | Advanced | New | ||||
| Unrealized gains/losses | Advanced | New | ||||
| Security-level detail reports | Advanced | New | Basic | Basic | ||
| Account comparison reports | Limited New | New | ||||
| TAX PLANNING & OPTIMIZATION | ||||||
| Capital gains reports | Advanced | New | ||||
| Tax lot selection | Advanced | Basic | ||||
| TurboTax export | Limited | Limited | Limited | |||
| Tax deduction tracking | Advanced | Limited | Limited | Limited | ||
| Itemized deduction reports | New | Limited | Limited | Limited | ||
| Investment income for taxes | Advanced | New | Limited | Limited | ||
| REAL ESTATE & MORTGAGES | ||||||
| Property value tracking | Advanced | Basic | Basic | Manual | Basic | |
| Mortgage principal tracking | Advanced | Manual | ||||
| Equity calculation | Advanced | Basic | Basic | Manual | Basic | |
| PLATFORM | ||||||
| Mac | Native | Web | Web | Web | Native | Native |
| iPhone | Native | Native | Companion | |||
| iPad | Native | Native | Companion | |||
| Android | Companion | |||||
| Windows | Web | Web | Web | |||
| Offline access | Advanced | Limited | Limited | Limited | Limited | |
| Non-cloud option | ||||||
| Local data storage | Cloud | Cloud | Cloud | Cloud | ||
| PRIVACY & PRICING | ||||||
| No data monetizationYour data is never sold or shared with advertisers | Limited | |||||
| Monthly price | From $6.99 | $5.99 | $14.99 | $14.99 | $13.00 | From $5.99 |
| Annual price | From $59.99 | $71.88 | $99.99 | $109.00 | $95.00 | From $71.88 |
| Free trial | 30 days, no card | None (refund) | 7 days | 34 days | 60 days | 30-day refund |
| ACCOUNT MANAGEMENT | ||||||
| Account reconciliation | Limited | |||||
| Multiple currency support | Limited | Limited | Limited | |||
| Automatic backupsOptional, encrypted at rest, cloud backup | Advanced | Cloud | Cloud | Cloud | Cloud | |
| Email support | ||||||
| Chat support | Limited | |||||
| Feature | Banktivity | Simplifi |
|---|---|---|
| USER EXPERIENCE | ||
| WorkspacesView accounts, reports, or budgets side by side | Advanced | |
| Intuitive drill-down navigationClick any report, category, or budget item to go deeper | Advanced | Limited |
| Organize accounts into custom groupsGroup accounts into named collections with subgroups | Advanced | |
| Manage separate finances for family or organizationsMultiple fully isolated sets of accounts | Advanced | Limited |
| Apple Handoff supportPick up on Mac where you left off on iPhone — seamlessly | Advanced | |
| Apple Shortcuts supportOpen financial data to Apple's automation platform | Advanced | |
| BUDGETING METHODS | ||
| Zero-based budgetingAlso known as envelope budgeting | Limited | |
| Traditional budgeting | ||
| Multiple budget views | Limited | |
| Budget rollover | ||
| Variable month-to-month budgeting | ||
| Fund envelopes in the futureBudget next month before it begins | ||
| SPENDING & TRANSACTIONS | ||
| Expense tracking | Advanced | |
| Category customization | Advanced | Limited |
| Transaction tagging | Limited | |
| Recurring transaction management | Advanced | |
| Transaction splitting | ||
| Archive inactive categories | ||
| Transaction attachmentsAttach receipts and files to any transaction | ||
| GOALS & PLANNING | ||
| Retirement projections | Advanced | Basic |
| Multiple simultaneous goals | Advanced | |
| Debt payoff goals | Advanced | |
| Savings goals | Advanced | |
| College savings planning | Advanced | Basic |
| Goal progress tracking | Advanced | |
| What-if scenario modeling | Advanced | New |
| Retirement date projection | Advanced | New |
| Savings rate calculations | ||
| Extra payment scenarios | Advanced | Limited |
| GENERAL REPORTS & ANALYTICS | ||
| Net worth reports | Advanced | |
| Cash flow reports | ||
| Spending by category | ||
| Income vs expense | ||
| Budget vs actual | Advanced | |
| Custom report builder | Advanced | |
| Ad-hoc reportingBuild instant reports from selected transactions | Advanced | |
| Report folders & organization | Limited | |
| Report export — PDF, CSV, Tab-delimited | Advanced | Limited |
| Graphs & visualizations | Advanced | |
| INVESTMENT TRACKING — GENERAL | ||
| Individual securities tracking | Advanced | New |
| Stock quotes | New | |
| Manual security tracking | ||
| Per-account portfolio drill-downSee each account's performance individually — Mac + iOS | Advanced | |
| Investment performance widgetDaily gains/losses on home screen — no app needed | ||
| Cryptocurrency tracking | Limited | |
| INVESTMENT TRACKING — DETAILED | ||
| Cost basis tracking | Advanced | New |
| Tax lot management | Advanced | New |
| Dividend tracking | Advanced | |
| Capital gains tracking | Advanced | New |
| Portfolio allocation | Advanced | New |
| Asset class breakdown | Advanced | New |
| Performance attribution | Advanced | Limited New |
| Security Detail Report on iPhoneFull investment history per security — now on iOS | Advanced | |
| INVESTMENT REPORTS | ||
| Portfolio value over time | Advanced | New |
| Investment performance reports | Advanced | New |
| Rate of return — IRR & ROI | Advanced | New |
| Investment income reports | Advanced | New |
| Realized gains/losses | Advanced | New |
| Unrealized gains/losses | Advanced | New |
| Security-level detail reports | Advanced | New |
| Account comparison reports | Limited New | |
| TAX PLANNING & OPTIMIZATION | ||
| Capital gains reports | Advanced | New |
| Tax lot selection | Advanced | Basic |
| TurboTax export | ||
| Tax deduction tracking | Advanced | |
| Itemized deduction reports | New | |
| Investment income for taxes | Advanced | New |
| REAL ESTATE & MORTGAGES | ||
| Property value tracking | Advanced | Basic |
| Mortgage principal tracking | Advanced | |
| Equity calculation | Advanced | Basic |
| PLATFORM | ||
| Mac | Native | Web |
| iPhone | Native | |
| iPad | Native | |
| Android | ||
| Windows | Web | |
| Offline access | Advanced | Limited |
| Non-cloud option | ||
| Local data storage | Cloud | |
| PRIVACY & PRICING | ||
| No data monetizationYour data is never sold or shared with advertisers | ||
| Monthly price | From $6.99 | $5.99 |
| Annual price | From $59.99 | $71.88 |
| Free trial | 30 days, no card | None (refund) |
| ACCOUNT MANAGEMENT | ||
| Account reconciliation | ||
| Multiple currency support | Limited | |
| Automatic backupsOptional, encrypted at rest, cloud backup | Advanced | Cloud |
| Email support | ||
| Chat support | ||
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