Budgetfold is a zero-based budget: your pay is assigned to rent, groceries, the car and savings before you spend it, and anything unspent rolls into next month. Set the currency to Canadian dollars and every amount shows as C$. It is on Google Play in Canada and works in any browser.
Free plan: this month's budget, 2 accounts and 100 transactions. On the web Plus is $39 (US dollars) a year; in the Android app Google Play charges in your local currency.
| Take-home pay | C$4,200.00 |
| Rent | C$1,850.00 |
| Hydro and heat | C$160.00 |
| Groceries | C$650.00 |
| Car insurance and gas | C$310.00 |
| Phone and internet | C$140.00 |
| TFSA contribution | C$400.00 |
| Winter tires fund | C$60.00 |
| Spending money | C$630.00 |
| Left to assign | C$0.00 |
Illustrative figures. Pre-authorized debits go in Bills & subscriptions with their dates.
Pick Canadian dollars in Settings. Budgetfold has no bank connection. You type a purchase in a few seconds, or download a CSV, OFX or QFX statement from your online banking and import it. Day-first dates such as 25/10/2026 are read correctly. Irregular costs such as winter tires, property tax or holiday travel become sinking funds that fill a little every month.
Both are priced in US dollars. YNAB is US$109 a year and Monarch US$99.99. Upload YNAB's Export Plan zip or Monarch's transactions CSV and your history comes across. YNAB compared · Monarch compared.
| YNAB | Monarch Money | Budgetfold | |
|---|---|---|---|
| Price | US$14.99/month or US$109/year | US$14.99/month or US$99.99/year | Free plan; Plus US$39/year on the web, local price on Google Play |
| Free option | 34-day trial | 7-day trial | Free plan with no end date |
| Bank connection | Yes | Yes | No; CSV, OFX, QFX import |
| Budget style | Zero-based | Tracking and flexible budgets | Zero-based envelopes with rollover |
YNAB from ynab.com/pricing ("YNAB is priced in US dollars"); Monarch from monarch.com/pricing. Read October 23, 2026.
Yes. Set the currency to Canadian dollars. The Android app is on Google Play in Canada and the web app works in any browser.
Yes, if your online banking offers a CSV, OFX or QFX download, Budgetfold reads it and creates the account.
Your budget is in Canadian dollars once you choose it in Settings. Plus is US$39 a year on the web; in the Android app Google Play charges in Canadian dollars.
Yes. Plus lets up to six people share one budget with their own logins.
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