Kettle Money
Kettle Money
Comparison
Checked 27 September 2026
- Kettle Money
- Compare
Kettle Money, side by side with five others.
Six money apps, compared using the developers’ own information. Kettle Money 1.0 is on the App Store.
Checked 27 September 2026
Side by side
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| Feature | Kettle Money | YNAB | Monarch | Copilot | Honeydue | Goodbudget |
|---|---|---|---|---|---|---|
| Deciding together | ||||||
| One subscription covers the adults in the household | YesShared through iCloud during confirmed coverage | ListedUp to six people | ListedHousehold members, no extra cost | PartlyA partner can share one login | ListedFree for both | ListedOne household login; 2 phones free, 5 on Premium |
| Another adult says yes or no before the money is spent | YesYes, Suggest a change or No | Not found | Not found | Not found | Not foundReactions after a purchase | Not found |
| Hours and who does what, planned with the money | YesCalendar clashes shown before you agree | Not found | Not foundHas a bills calendar | Not found | Not found | Not found |
| Money | ||||||
| What's safe to spend until the next payday | YesOne figure, to the tightest day | PartlyUpcoming scheduled payments | PartlyForecasting on the Plus plan | Not foundCash flow looks back only (stated) | Not found | PartlyRunning balances of scheduled payments |
| Budgets by category | YesA month plan with an allowance per bucket | ListedZero-based | ListedFlex or category | ListedWith rollovers | ListedMonthly limits | ListedEnvelopes |
| Savings goals | YesSaving pots, taken out of safe to spend first | Listed | Listed | ListedNot on the web | Not found | ListedGoal envelopes |
| A plan to pay off debt | YesLowest balance or highest interest first; projected payoff date | ListedLoan Planner | ListedAvalanche or snowball | Not found | Not found | PartlyTracks payoff progress |
| Bills and recurring payments | YesLetters and invoices read with their due dates | Listed | Listed | Listed | Listed | Listed |
| Reads a receipt from a photo | YesRead on your iPhone | PartlyAttach a photo | Listed | Not found | Not found | Not found |
| Which shop is cheaper, from your own receipts | YesPrices from the receipts you review, shop by shop | Not found | Not found | Not found | Not found | Not found |
| Ask about your own money in plain words | YesAnswered on your iPhone | Not found | ListedAI Assistant | ListedIn beta | Not found | Not found |
| More than one currency | YesForeign amounts convert at a dated rate | NoOne per plan (stated) | NoNo conversion (stated) | NoUS dollars only (stated) | ListedUSD, CAD, GBP, EUR | NoOne at a time (stated) |
| Your accounts | ||||||
| Works fully without a bank connection | YesType it, or import CSV or OFX | Listed | PartlyManual accounts; CSV import on the web | NoNeeds one linked bank (stated) | Listed | Listed |
| Automatic bank connections | Not yetIn preparation: Apple Wallet and European banks, read-only | ListedUS, Canada, UK and 18 European countries (select banks) | ListedUS and Canada | ListedUS only | Listed5 countries | ListedUS only, Premium |
| Export your data | YesJSON, CSV and the source files | ListedCSV, on the web | ListedCSV | ListedCSV | Not found | ListedCSV, on the web |
| No sign-up with the developer | YesUses your own iCloud | NoOwn login per person | No | No | NoSign-up by email | NoHousehold login |
| Where you can use it | ||||||
| In the German App Store | Yes | Listed | No | No | No | Listed |
| App languages | 8 | 1 (English) | 1 (English) | 1 (English) | 4 | 1 (English) |
| Apple Watch | Yes | Listed | No | No | No | No |
| Android | No | Listed | Listed | No | Listed | Listed |
| Web app | No | Listed | Listed | Listed | Not found | Listed |
| Privacy and cost | ||||||
| Advertising | No | No | No | No | Yes | No |
| Tracking: developer/store declaration | None | None | None | None | None | None |
| How it's paid for | Free for 21 days from the household’s start, or until a plan has been applied and a plan settled. No automatic subscription. Essentials stay free; optional monthly or yearly membership. | 34-day trial via its website; App Store offer may differ, then subscription | 7-day free trial, then a subscription | 1-month free trial, then a subscription | Free, optional tips | Free plan (10 regular and 10 annual envelopes), paid plans |
✓ Listed by the developer◐ Partly, as noted— Not found in their listings (the app may still offer it)✕ No: the developer says not, or it isn’t available
Kettle Money’s column describes version 1.0; bank connections are still in preparation. Some features need membership after the free period. Other apps’ store details are their developers’ declarations, checked on the date shown.
Each of them has its own strengths.
If one of them feels right for your household, that’s a good outcome too.
YNAB
Zero-based budgeting on iPhone, Android and the web.
Monarch
Live bank feeds and net worth, in the US and Canada.
Copilot
Spending and investment tracking for US accounts.
Honeydue
Shared spending and bill reminders for couples, free to use.
Goodbudget
Envelope budgeting, with a free plan.
Kettle Money may not be for you if…
- you, or another adult who decides with you, uses Android. Kettle Money needs an iPhone with iOS 26 or later; its Watch companion is optional.
- you want a web app.
- you need live bank feeds today. For now Kettle Money imports CSV and OFX statements.
- you follow a strict envelope or zero-based method.
- you track investments in detail.
How we checked, and the sources
How did you check the other apps?
On 27 September 2026 we reviewed each app’s US and German App Store listings, website, pricing page and help centre. For other apps, ✓ means the developer lists the feature; a dash means we didn’t find it in those sources, although the app may still offer it. A ✕ means the developer says no, or the app isn’t available there. Kettle Money’s entries describe version 1.0 as published on the App Store. On 5 October 2026 we rechecked the details most likely to change: App Store languages, Apple Watch and German availability, privacy labels and advertising, free trials and payment models, partner sharing and bank coverage. We compare payment models, without ratings or exact prices, which can change. If you find an outdated detail, write to hello@mamabloom.app so we can check and correct it.
Sources
YNAB, Monarch, Copilot, Honeydue and Goodbudget are trademarks of their respective owners and are named here only to identify the apps compared. Kettle Money isn’t affiliated with or endorsed by any of them.