How Nels compares

An honest comparison, updated as these products change. Every page names something the other product does better.

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AI money assistants

Feature	Nels	Finances in ChatGPT	Cleo	Era	Origin	Copilot Money
Price	From $3/month or $30/year	$20/month	Free, then from $5.99/month	Free, then from $9.99/month or $95.88/year	$12.99/month or $99/year	$13/month or $95/year
Log expenses by chatting	Yes	No	Yes	Partial	No	No
Writable budget, not just a dashboard	Yes	No	Partial	No	Yes	Yes
Envelope / zero-based budgeting	Yes	No	No	No	Partial	Partial
Household sharing	Yes	No	No	No	Yes	Partial
Audit log of changes	Yes	No	No	No	No	No
Automatic bank syncing	Partial	Yes	Yes	Yes	Yes	Yes
Passwordless sign-in	Yes	Yes	Yes	Yes	Yes	Yes
AI spending insights	Yes	Yes	Yes	Yes	Yes	Yes
Savings and debt goals	Yes	No	Partial	No	Yes	Yes
Human financial advisors	No	No	No	No	Partial	No
Retirement projections	No	No	No	No	Partial	No

Yes · Partial · No

Compared using publicly available pricing as of 2026-07-27.

Feature	Nels	YNAB	Monarch Money	Quicken Simplifi	EveryDollar
Price	From $3/month or $30/year	$14.99/month or $109/year	From $14.99/month or $99.99/year	$6.99/month Billed annually; no monthly plan.	Free, then $17.99/month or $79.99/year
Log expenses by chatting	Yes	No	No	No	No
Writable budget, not just a dashboard	Yes	Yes	Yes	Yes	Yes
Envelope / zero-based budgeting	Yes	Yes	Yes	Yes	Yes
Household sharing	Yes	Yes	Yes	Partial	Partial
Audit log of changes	Yes	No	No	No	No
Automatic bank syncing	Partial	Yes	Yes	Yes	Partial
Passwordless sign-in	Yes	Yes	Yes	Yes	Yes
AI spending insights	Yes	No	Partial	Partial	No
Savings and debt goals	Yes	Yes	Yes	Yes	Yes
Human financial advisors	No	No	No	No	No
Retirement projections	No	No	No	No	No

Yes · Partial · No

Compared using publicly available pricing as of 2026-07-28.

Feature	Nels	Range	Boldin
Price	From $3/month or $30/year	From $3,950/year	Free, then from $144/year
Log expenses by chatting	Yes	No	No
Writable budget, not just a dashboard	Yes	No	No
Envelope / zero-based budgeting	Yes	No	No
Household sharing	Yes	Yes	Partial
Audit log of changes	Yes	No	No
Automatic bank syncing	Partial	Yes	Yes
Passwordless sign-in	Yes	No	Yes
AI spending insights	Yes	Yes	Yes
Savings and debt goals	Yes	Yes	Yes
Human financial advisors	No	Yes	Yes
Retirement projections	No	Yes	Yes

Yes · Partial · No

Compared using publicly available pricing as of 2026-07-28.

A spreadsheet does whatever you build, for free — as long as you keep building it. Nels is the version that maintains itself.