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Moiety vs the rest.

Every feature. Side by side. No fine print.

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Pricing

Feature Moiety YNAB Monarch Copilot Lunch Money
Price Free ~$15/mo ~$15/mo ~$12/mo ~$13/mo
No Ads ✓ Paid Paid Paid Paid
No Credit Card Required ✓ Trial Trial Trial Trial
🤖

AI & Scanning

Feature Moiety YNAB Monarch Copilot Lunch Money
AI Receipt Scanning ✓ ✕ ✓ ✓ ✕
PDF Receipt Support ✓ ✕ ✕ ✕ ✕
Auto-Detect Currency ✓ ✕ ✕ ✕ ✕
Auto-Categorize from Receipt ✓ ✕ ✓ ✓ ✕
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Money & Currencies

Feature Moiety YNAB Monarch Copilot Lunch Money
Multi-Currency CAD, USD, GBP, INR Limited Limited USD only ✓
Live Exchange Rates ✓ ✕ ✕ ✕ ✓
Per-Currency Summaries ✓ ✕ ✕ ✕ ✓
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Couples & Sharing

Feature Moiety YNAB Monarch Copilot Lunch Money
Couples Tracking ✓ Shared Paid ✕ ✕
Expense Splitting ✓ Shared Paid ✕ ✕
Settle Up / Balance ✓ ✕ Paid ✕ ✕
Shared + Private Modes ✓ ✕ ✕ ✕ ✕
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Privacy & Security

Feature Moiety YNAB Monarch Copilot Lunch Money
No Third-Party Tracking ✓ ✕ ✕ ✕ ✕
No Analytics or Tracking ✓ ✕ ✕ ✕ ✕
Authenticated Export ✓ ✕ ✕ ✕ ✕
Formula Injection Protection ✓ ✕ ✕ ✕ ✕
📊

Import & Export

Feature Moiety YNAB Monarch Copilot Lunch Money
Multi-Tab XLSX Export (6 tabs) ✓ CSV only CSV only CSV only CSV only
TSV Export ✓ ✕ ✕ ✕ ✕
XLSX Import ✓ CSV only CSV only CSV only CSV only
Smart Column Mapping (15+ aliases) ✓ ✕ ✕ ✕ ✕
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Insights & Visualization

Feature Moiety YNAB Monarch Copilot Lunch Money
Spending Heatmap ✓ ✕ ✕ ✕ ✕
Category Drill-Down ✓ ✕ ✕ ✕ ✕
Budget Limits per Category ✓ ✓ ✓ ✓ ✓
Monthly/Yearly Trends ✓ ✓ ✓ ✓ ✓
Recent Merchants Quick-Add ✓ ✕ ✕ ✕ ✕
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