Rizqly vs. The Giants
Why pay for corporate oversight? Rizqly gives you the power of YNAB and Monarch without the Venture Capital baggage.
| Feature | Rizqly Recommended | YNAB | Monarch Money |
|---|---|---|---|
| Monthly Cost | Free / $15/yr* | $14.99 | $14.99 |
| Privacy Model | 100% Private | Data Mining** | Data Mining** |
| Offline Mode | Full Offline | Cloud Only | Cloud Only |
| Data Retention | 67-Day Auto-Purge | Indefinite Storage | Indefinite Storage |
| Bank Aggregator Required | No (Optional) | Yes (Plaid) | Yes (Plaid) |
| Venture Backed | No (Bootstrapped) | Yes | Yes |
* Standard Plan default, billed annually. Pay-what-you-want starting at $5/yr. ** Based on published privacy policy analysis.
The Privacy Gap
Venture-backed apps must monetize. You are the product. Rizqly is bootstrapped; you are the customer. We purge your cloud data after 67 days of inactivity.
Native Performance
Don't wait for "connecting..." spinners. Rizqly is built offline-first. Instant load times, zero latency, syncs when you're ready.
Simplicity First
No "give every dollar a job" complexity if you don't want it. Track net worth and expenses with flexible, standard accounting principles.
Ready to Switch?
Import your data from CSV and regain control of your financial privacy.
No credit card required. Full access included.