Money apps compared for the US
Every comparison priced in dollars, with prices read from each provider’s US page and deposit protection named by partner bank.
Comparisons
One per category. Each names the top three at our reference profile; open it for the calculator and the full list.
Invoicing & accountingBest accounting software for small businesses in the US (2026)
Top at our profile: Wave, Zoho Books, Xero
PayrollBest payroll software for small businesses in the US (2026)
Top at our profile: Square Payroll, Wave Payroll, Homebase Payroll
Business bank accountsBest business bank accounts for small businesses in the US (2026)
Top at our profile: Mercury, Bluevine, Found
Expense cardsBest expense cards for small businesses in the US (2026)
Top at our profile: Rho, Mercury IO, Brex
NeobanksBest mobile banking apps in the US (2026): fees compared
Top at our profile: Capital One 360 Checking, Ally Spending Account, Current
Sending money abroadSending money abroad from the US: how Wise, Remitly and Western Union price transfers
Three US money transfer services compared on how they price a transfer and what they disclose, with a calculator for the true cost of any quote.
Investing appsInvesting apps for beginners in the US (2026): what they charge
Top at our profile: Fidelity, Vanguard, Webull
Tax appsBest tax software for freelancers and the self-employed in the US (2026)
Top at our profile: IRS Free File, TaxAct
Budgeting appsBest budgeting apps in the US (2026): prices and methods compared
Top at our profile: EveryDollar, Monarch, Copilot Money
Credit buildersCredit-builder apps and loans in the US (2026): costs compared
Top at our profile: Experian Boost, Kikoff, CreditStrong Instal
Savings accountsBest high-yield savings accounts in the US: rates read 29 October 2026
Top at our profile: CIT Bank Platinum Savings, Ally Online Savings
Guides for both editions
Explainers cover the US and UK side by side, so they live once, under /guides.
APY, AER and APR: how interest rates are quoted in the US and UK
What APY, AER, gross rate and APR mean, how compounding changes the numbers, and how to compare rates on the same basis.
Guide · US & UKZero-based, 50/30/20 and envelope budgeting: how they differ
Three common budgeting methods explained with worked examples, including how each copes with irregular freelance income.
Guide · US & UKCharge, credit, debit and prepaid expense cards: how they differ
The four kinds of company card behind expense platforms, and what each means for repayment, interest, limits and who holds your money.
Guide · US & UKHow exchange-rate markups hide the real cost of sending money abroad
The fee is only part of what a transfer costs. Here is how to measure the margin hidden in the exchange rate, with worked examples.
Guide · US & UKFDIC vs FSCS: what protects a business account, and what e-money and fintech accounts lack
How deposit protection works for business accounts in the US and UK, and what changes when a fintech, partner bank or e-money institution sits in the middle.
Guide · US & UKHow credit-builder loans work, and what they really cost
A credit-builder loan holds the money you borrow as savings until you have repaid it. Here is how it works and what it costs.