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AI Personal Finance App

Query this niche via MCPmarket_report({ query: "AI Personal Finance App", response_mode: "summary" })
active marketmarket pulse 47/100commercial money present2 new builders in 30d51 listings
basis: all observed monthly plans · commercial-form-v2
Agents · median
$100/mo
2 providers · median of every priced plan point, all tiers · thin evidence
MCP servers · median
$8/mo
$4–$9 middle half · 12 providers · median of every priced plan point, all tiers
12.5×

Agents cost 12.5× MCPs across all tiers — median $100 vs $8. Two different markets; a blended figure would mislead either buyer.

All plans — Agents vs MCPs

each dot = one provider · log scale
Agents $100
Openaccountant Skills · $20
Era App · $100
MCP servers $8
Matcha Money · $2
snabber · $4
worthbase · $4
vitafin · $5
Smart Money · $8
Savi Tools · $9
submo · $15
Candor Finance · $15
betteroff · $20
spliteo · $2
snabber · $6
beyondpayday · $9
vokse · $9
$5
$10
$25
$50
$100
AgentsMCP serversshaded = middle half · line = median
What the figures on this page are. This page is Agentery's fixed-niche view of AI Personal Finance App (latest observation 2026-10-25T04:20:53.032Z). The headline medians above are computed from that data per delivery type and buyer-tier tab: on a tier tab, the median of each provider's plan at that tier; on “All”, every priced plan point across tiers pooled. Small cohorts show as “too few” rather than a median. The embedded response below is the broader fixed-niche report: its by_provider_type.*.median pools all tiers, pricing.byPersona.* is per buyer tier, and the unit cohorts (e.g. Pro flat) are per tier and billing unit — so those blocks legitimately differ from one headline figure. Over MCP today the advertised tools are market_report (a semantic neighbourhood for your query, not this fixed niche) and price_benchmark (query/task); niche_report stays callable as a legacy alias. Their cohorts are defined differently, so their numbers can differ from this page.
market_reportprice_benchmark
See the MCP response behind this pagefixed-niche report (legacy niche_report alias, full mode) — broader than the headline figure
{
  "niche": "ai-personal-finance-app",
  "parent_sector": "consumer-personal",
  "provider_type_pricing": {
    "slug": "ai-personal-finance-app",
    "pricing_basis": "lowest_observed_monthly_usd",
    "provider_type_methodology": "commercial-form-v2",
    "provider_type_methodology_published_at": "2026-07-31",
    "blended": {
      "median": 9,
      "p25": 5,
      "p75": 12.49,
      "providers": 15
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    "by_provider_type": {
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        "publishable": true,
        "confidence": "provisional"
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      "mcp": {
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        "providers": 12,
        "publishable": true,
        "confidence": "normal"
      }
    },
    "recommended_cohort": null,
    "recommendation_reason": "Choose the cohort according to the commercial delivery type being assessed.",
    "fallback_context": null,
    "context_note": null
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  "crowding_level": "emerging",
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    "ai-legal-assistant-consumer",
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  "market_pulse": {
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    "price_move_30d_pct": 0,
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      "m": "era_app's \"Organize\" $9.99→$6.99 (-30%)"
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              {
                "provider": "snabber",
                "tier": "pro",
                "billing": "monthly",
                "unit": "flat",
                "price": "R$ 39,90/mês",
                "monthly_usd": 7.18
              },
              {
                "provider": "snabber",
                "tier": "enterprise",
                "billing": "monthly",
                "unit": "flat",
                "price": "R$ 89,90/mês",
                "monthly_usd": 16.18
              },
              {
                "provider": "spliteo",
                "tier": "pro",
                "billing": "monthly",
                "unit": "flat",
                "price": "$1.99 /month",
                "monthly_usd": 1.99
              },
              {
                "provider": "submo",
                "tier": "individual",
                "billing": "monthly",
                "unit": "flat",
                "price": "$4.99 per week",
                "monthly_usd": 21.62
              },
              {
                "provider": "submo",
                "tier": "individual",
                "billing": "monthly",
                "unit": "flat",
                "price": "$99.99/yr",
                "monthly_usd": 8.33
              },
              {
                "provider": "vitafin",
                "tier": "individual",
                "billing": "monthly",
                "unit": "flat",
                "price": "$5/month",
                "monthly_usd": 5
              },
              {
                "provider": "vokse",
                "tier": "pro",
                "billing": "monthly",
                "unit": "flat",
                "price": "$109 /yr",
                "monthly_usd": 9.08
              },
              {
                "provider": "worthbase",
                "tier": "individual",
                "billing": "monthly",
                "unit": "flat",
                "price": "$3.99 / month",
                "monthly_usd": 3.99
              }
            ]
          },
          {
            "billing": "one_time",
            "unit": "flat",
            "count": 2,
            "offers": [
              {
                "provider": "spliteo",
                "tier": "pro",
                "billing": "one_time",
                "unit": "flat",
                "price": "$59.99",
                "monthly_usd": null
              },
              {
                "provider": "worthbase",
                "tier": "pro",
                "billing": "one_time",
                "unit": "flat",
                "price": "$49",
                "monthly_usd": null
              }
            ]
          },
          {
            "billing": "unspecified_period",
            "unit": "flat",
            "count": 2,
            "offers": [
              {
                "provider": "eliteai_tools",
                "tier": "individual",
                "billing": "unspecified_period",
                "unit": "flat",
                "price": "From 5$",
                "monthly_usd": null
              },
              {
                "provider": "splitwise",
                "tier": "enterprise",
                "billing": "unspecified_period",
                "unit": "flat",
                "price": "Contact developers@splitwise.com",
                "monthly_usd": null
              }
            ]
          }
        ],
        "coverage": {
          "priced_providers": 16,
          "normalized_observations": 24,
          "comparable_providers": 14,
          "strict_cohorts": 3,
          "exclusion_reasons": {
            "ambiguous_cadence": 2,
            "one_time": 2
          }
        }
      }
    },
    "quoteOnlyProvidersByTier": {
      "individual": 0,
      "team_sme": 0,
      "pro": 0,
      "enterprise": 1
    },
    "billingMix": {
      "free": 15,
      "freemium": 8,
      "subscription": 7,
      "contact_sales": 1
    },
    "freeTierShare": 0.74,
    "medianLowestUsd": 8.33
  },
  "movement": {
    "niche": "ai-personal-finance-app",
    "sector": "consumer-personal",
    "pricedNow": 15,
    "pairs": 14,
    "repriced": [
      {
        "handle": "era_app",
        "from": 6.99,
        "to": 9.99,
        "pct": 42.9
      }
    ],
    "newlyPriced": [],
    "droppedFromPriced": [],
    "likeForLikePct": 2.6,
    "kind": "repricing",
    "narrative": "Genuine repricing: 1 agent repriced — all up (avg +2.6%)."
  },
  "index_series": {
    "series": [
      {
        "day": "2026-09-26",
        "index": 105.088,
        "pairs": 9,
        "dayChangePct": 0
      },
      {
        "day": "2026-09-27",
        "index": 105.088,
        "pairs": 9,
        "dayChangePct": 0
      },
      {
        "day": "2026-09-28",
        "index": 105.088,
        "pairs": 10,
        "dayChangePct": 0
      },
      {
        "day": "2026-09-29",
        "index": 105.088,
        "pairs": 10,
        "dayChangePct": 0
      },
      {
        "day": "2026-09-30",
        "index": 105.088,
        "pairs": 9,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-01",
        "index": 105.088,
        "pairs": 9,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-02",
        "index": 105.088,
        "pairs": 11,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-03",
        "index": 105.088,
        "pairs": 11,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-04",
        "index": 105.088,
        "pairs": 12,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-05",
        "index": 105.088,
        "pairs": 14,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-06",
        "index": 105.088,
        "pairs": 15,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-07",
        "index": 105.088,
        "pairs": 14,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-08",
        "index": 105.088,
        "pairs": 13,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-09",
        "index": 105.088,
        "pairs": 12,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-10",
        "index": 105.088,
        "pairs": 11,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-11",
        "index": 105.088,
        "pairs": 12,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-12",
        "index": 105.088,
        "pairs": 12,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-13",
        "index": 105.088,
        "pairs": 12,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-14",
        "index": 105.088,
        "pairs": 14,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-15",
        "index": 105.088,
        "pairs": 14,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-16",
        "index": 105.088,
        "pairs": 15,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-17",
        "index": 105.088,
        "pairs": 16,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-18",
        "index": 105.088,
        "pairs": 14,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-19",
        "index": 105.088,
        "pairs": 16,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-20",
        "index": 105.088,
        "pairs": 15,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-21",
        "index": 105.088,
        "pairs": 18,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-22",
        "index": 105.088,
        "pairs": 18,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-23",
        "index": 105.088,
        "pairs": 18,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-24",
        "index": 105.088,
        "pairs": 19,
        "dayChangePct": 0
      },
      {
        "day": "2026-10-25",
        "index": 105.088,
        "pairs": 17,
        "dayChangePct": 0
      }
    ],
    "latest": 105.088,
    "day_change_pct": 0,
    "methodology": "Chained daily price index, base 100 on the first priced scan day (29 Jun 2026). The overall index is the COMPOSITE of the four buyer-tier indices (individual / pro / team&sme / enterprise): each day it moves by the equal-weighted average of the tiers' moves. Each tier index is like-for-like — only agents priced on both consecutive scan days (per-agent ratios, geometric mean, clipped to [0.2, 5]) — so composition changes (agents revealing or hiding prices) can never move it."
  },
  "top_agents": [
    {
      "agent_id": "cityparity",
      "name": "cityparity",
      "url": "https://cityparity.com/mcp/",
      "short_summary": "compares cost-of-living and quality-of-life between cities with salary scenarios and family situations",
      "price": {
        "commercial": {
          "currency": "USD",
          "lines": [
            {
              "name": "Free",
              "price": "Free",
              "kind": "free",
              "billed": "monthly"
            }
          ]
        },
        "observed": true,
        "billing": "free",
        "lowest_monthly_usd": null,
        "monthly_usd": null,
        "headline": "Free",
        "summary": "Free. The cityparity MCP server is publicly described as free to use with no API key and edge rate limits."
      },
      "evidence_quality": "high",
      "upvotes": 0
    },
    {
      "agent_id": "era_app",
      "name": "Era",
      "url": "https://era.app/",
      "short_summary": "connects financial accounts to AI assistants so they can analyze finances, move money, set automated rules, manage budgets, and proactively monitor/act on money",
      "price": {
        "commercial": {
          "entry_offer": {
            "line": "Organize",
            "monthly_native": 9.99,
            "monthly_usd": 9.99,
            "commitment": "monthly",
            "basis": "$9.99/month",
            "billing_verified": true
          },
          "annual_option": {
            "line": "Organize (annual billing)",
            "monthly_equivalent_native": 6.99,
            "total_native": 83.88
          },
          "currency": "USD",
          "lines": [
            {
              "name": "Basic",
              "price": "$0",
              "kind": "free",
              "billed": "monthly"
            },
            {
              "name": "Organize",
              "price": "$9.99/mo",
              "kind": "base_subscription",
              "billed": "monthly"
            },
            {
              "name": "Organize (annual billing)",
              "price": "$6.99/mo billed yearly",
              "kind": "base_subscription",
              "billed": "annually"
            },
            {
              "name": "Automate",
              "price": "$24.99/mo",
              "kind": "base_subscription",
              "billed": "monthly"
            },
            {
              "name": "Automate (annual billing)",
              "price": "$17.49/mo billed yearly",
              "kind": "base_subscription",
              "billed": "annually"
            },
            {
              "name": "Operate",
              "price": "$99.99/mo",
              "kind": "base_subscription",
              "billed": "monthly"
            },
            {
              "name": "Operate (annual billing)",
              "price": "$69.99/mo billed yearly",
              "kind": "base_subscription",
              "billed": "annually"
            }
          ]
        },
        "observed": true,
        "billing": "freemium",
        "lowest_monthly_usd": 9.99,
        "monthly_usd": 9.99,
        "headline": "Free plan; paid from $9.99/mo; $6.99/mo equivalent billed annually",
        "summary": "Free plan; paid from $9.99/mo; $6.99/mo equivalent billed annually. Era offers a free Basic tier plus paid monthly subscriptions, with Organize starting at $9.99/month or $6.99/month when billed yearly."
      },
      "evidence_quality": "high",
      "upvotes": 0
    },
    {
      "agent_id": "finance_br",
      "name": "Finance Br",
      "url": "https://www.falazuki.com",
      "short_summary": "manages personal finances and schedules through WhatsApp messaging",
      "price": {
        "commercial": {
          "currency": "BRL",
          "notes": [
            "prices in BRL as published; USD figures are conversions at 2026-10-25"
          ],
          "lines": [
            {
              "name": "Grátis",
              "price": "GRÁTIS",
              "kind": "unknown"
            }
          ]
        },
        "observed": true,
        "billing": "free",
        "lowest_monthly_usd": null,
        "monthly_usd": null,
        "headline": "Grátis: GRÁTIS (as published; no rate or period could be read)",
        "summary": "Grátis: GRÁTIS (as published; no rate or period could be read). Falazuki oferece suas calculadoras e simulações gratuitamente, sem cadastro; não há planos pagos públicos observados."
      },
      "evidence_quality": "high",
      "upvotes": 0
    },
    {
      "agent_id": "github_machulavaccountant24_lo",
      "name": "Github Machulavaccountant24",
      "url": "https://github.com/machulav/accountant24",
      "short_summary": "Manages personal accounting/bookkeeping — logs spending, imports statements, answers questions about finances, and tracks transactions as double-entry ledger e…",
      "price": {
        "observed": false,
        "billing": "not_found",
        "lowest_monthly_usd": null,
        "monthly_usd": null,
        "headline": "No public price found",
        "summary": "No reliable public pricing was found; the visible dollar amounts appear in usage examples or unrelated repository content."
      },
      "evidence_quality": "high",
      "upvotes": 0
    },
    {
      "agent_id": "hacecuentas",
      "name": "hacecuentas",
      "url": "https://hacecuentas.com",
      "short_summary": "provides 2,800+ practical calculators for finance, taxes, health, sports, cooking, and home calculations",
      "price": {
        "observed": false,
        "billing": "not_found",
        "lowest_monthly_usd": null,
        "monthly_usd": null,
        "headline": "No public price found",
        "summary": "No public price found on the vendor site."
      },
      "evidence_quality": "high",
      "upvotes": 0
    },
    {
      "agent_id": "matcha_money",
      "name": "matcha money",
      "url": "https://matcha.money",
      "short_summary": "automates budgeting and financial tracking for families",
      "price": {
        "commercial": {
          "entry_offer": {
            "line": "Seed",
            "monthly_native": 1.5,
            "monthly_usd": 1.5,
            "commitment": "annual",
            "basis": "$18/year (annual commitment) = $1.5/month equivalent"
          },
          "currency": "USD",
          "notes": [
            "add-ons / components (not a whole-product price): Terrace add-on $1.99/mo; Terrace add-on (annual billing) $24/year billed annually"
          ],
          "lines": [
            {
              "name": "Seed",
              "price": "$18.00/year",
              "kind": "base_subscription",
              "billed": "annually"
            },
            {
              "name": "Leaf",
              "price": "$35.88/year",
              "kind": "base_subscription",
              "billed": "annually"
            },
            {
              "name": "Estate",
              "price": "$69.99/year",
              "kind": "base_subscription",
              "billed": "annually"
            },
            {
              "name": "Terrace add-on",
              "price": "$1.99/mo",
              "kind": "add_on",
              "billed": "monthly"
            },
            {
              "name": "Terrace add-on (annual billing)",
              "price": "$24/year billed annually",
              "kind": "add_on",
              "billed": "annually"
            }
          ]
        },
        "observed": true,
        "billing": "subscription",
        "lowest_monthly_usd": 1.5,
        "monthly_usd": 1.5,
        "headline": "From $1.5/mo (annual commitment)",
        "summary": "From $1.5/mo (annual commitment). Matcha Money offers three annual subscription plans starting at $18.00/year, plus a $1.99/month Terrace data-stream add-on."
      },
      "evidence_quality": "high",
      "upvotes": 0
    },
    {
      "agent_id": "wealthos",
      "name": "Wealthos",
      "url": "https://wealthos.cc/mcp",
      "short_summary": "provides AI access to personal wealth tracking, financial forecasting, account management, and financial planning",
      "price": {
        "observed": false,
        "billing": "not_found",
        "lowest_monthly_usd": null,
        "monthly_usd": null,
        "headline": "No public price found",
        "summary": "No public pricing is shown; the homepage only advertises a free trial."
      },
      "evidence_quality": "high",
      "upvotes": 0
    },
    {
      "agent_id": "zenfinance",
      "name": "zenfinance",
      "url": "https://zenfin.tech",
      "short_summary": "provides financial memory and advisory capabilities to AI assistants for household finance management, budgeting, and retirement planning",
      "price": {
        "commercial": {
          "currency": "USD",
          "lines": [
            {
              "name": "Free",
              "price": "Free",
              "kind": "free",
              "billed": "monthly"
            }
          ]
        },
        "observed": true,
        "billing": "free",
        "lowest_monthly_usd": null,
        "monthly_usd": null,
        "headline": "Free",
        "summary": "Free. Zenfinance states that its household financial checkup is currently free, with no account required."
      },
      "evidence_quality": "high",
      "upvotes": 0
    },
    {
      "agent_id": "bazous",
      "name": "Bazous",
      "url": "https://bazous.com",
      "short_summary": "Bazous answers a household's money questions before anyone asks: what is available, what is due before payday, how low the balance goes and the best payment to…",
      "price": {
        "observed": false,
        "billing": "not_found",
        "lowest_monthly_usd": null,
        "monthly_usd": null,
        "headline": "No public price found",
        "summary": "Bazous offers a trial, but states that paid subscriptions are not enabled yet and shows no public pricing."
      },
      "evidence_quality": "medium",
      "upvotes": 0
    },
    {
      "agent_id": "betteroff",
      "name": "Betteroff",
      "url": "https://betteroff.finance/agents?utm_source=smithery&utm_medium=directory&utm_campaign=mcp-listing",
      "short_summary": "Connect your BetterOff household to read account balances, review net worth history, and explain changes in net worth. Requires BetterOff sign-in and explicit…",
      "price": {
        "commercial": {
          "entry_offer": {
            "line": "Core",
            "monthly_native": 20,
            "monthly_usd": 20,
            "commitment": "monthly",
            "basis": "$20/month",
            "billing_verified": true
          },
          "currency": "USD",
          "lines": [
            {
              "name": "Free",
              "price": "$0",
              "kind": "free",
              "billed": "monthly"
            },
            {
              "name": "Core",
              "price": "$20/month",
              "kind": "base_subscription",
              "billed": "monthly"
            }
          ]
        },
        "observed": true,
        "billing": "freemium",
        "lowest_monthly_usd": 20,
        "monthly_usd": 20,
        "headline": "Free plan; paid from $20/mo",
        "summary": "Free plan; paid from $20/mo. BetterOff offers a permanent free plan and a Core subscription at $20/month plus applicable tax."
      },
      "evidence_quality": "medium",
      "upvotes": 0
    }
  ],
  "platforms_also_here": [],
  "page_url": "https://agentery.com/market/ai-personal-finance-app",
  "summary": {
    "niche": "ai-personal-finance-app",
    "sector": "consumer-personal",
    "pricing_by_provider_type": {
      "headline": "Prices differ by provider type and buyer tier — no blended headline is used. Strongest cohort: MCP servers · Individual median $8/mo (9 providers). See benchmarks_by_provider_type_and_tier for the full matrix.",
      "benchmarks": [
        {
          "provider_type": "mcp",
          "provider_type_label": "MCP servers",
          "buyer_tier": "individual",
          "buyer_tier_label": "Individual",
          "pricing_unit": "flat",
          "pricing_unit_label": "flat monthly",
          "comparable_provider_count": 9,
          "reliability": "medium",
          "median": 7.99,
          "p25": 3.99,
          "p75": 14.98,
          "status": "ok"
        },
        {
          "provider_type": "mcp",
          "provider_type_label": "MCP servers",
          "buyer_tier": "pro",
          "buyer_tier_label": "Pro",
          "pricing_unit": "flat",
          "pricing_unit_label": "flat monthly",
          "comparable_provider_count": 4,
          "reliability": "low",
          "median": 7.64,
          "p25": null,
          "p75": null,
          "status": "median_only"
        },
        {
          "provider_type": "agent",
          "provider_type_label": "Agents",
          "buyer_tier": "pro",
          "buyer_tier_label": "Pro",
          "pricing_unit": "flat",
          "pricing_unit_label": "flat monthly",
          "comparable_provider_count": 2,
          "reliability": "low",
          "median": null,
          "p25": null,
          "p75": null,
          "status": "observed_offers_only",
          "observed_offers": [
            20,
            99.99
          ]
        }
      ],
      "warnings": [
        "This niche currently has sufficient MCP pricing but insufficient agent pricing."
      ],
      "full_pricing_via": {
        "tool": "price_benchmark",
        "arguments": {
          "niche": "ai-personal-finance-app"
        },
        "note": "add provider_type + buyer_tier for a specific cohort"
      }
    },
    "page_url": "https://agentery.com/market/ai-personal-finance-app",
    "counts": {
      "listings_with_price_capture": 51,
      "listings_with_observed_public_price": 31,
      "providers_with_numeric_monthly_price_latest_scan": 15,
      "like_for_like_comparable_pairs": 14
    },
    "movement": {
      "d": {
        "published": false,
        "value_pct": null,
        "held_reason": null
      },
      "w": {
        "published": false,
        "value_pct": null,
        "held_reason": null
      },
      "m": {
        "published": true,
        "value_pct": -2.5,
        "driver": "era_app's \"Organize\" $9.99→$6.99 (-30%)"
      }
    },
    "pricing_version": "cohorts-1",
    "pricing_status": "ok",
    "pricing_by_tier": [
      {
        "tier": "individual",
        "currency": "USD",
        "period": "month",
        "unit": "flat",
        "median": 8.5,
        "provider_count": 10,
        "plan_observation_count": 13,
        "data_confidence": 0.8,
        "data_confidence_basis": {
          "provider_component": 0.83,
          "observation_component": 0.65,
          "provider_count": 10,
          "plan_observation_count": 13
        },
        "reliability": "medium",
        "members": [
          {
            "provider": "matcha_money",
            "usd": 2.99
          },
          {
            "provider": "snabber",
            "usd": 3.58
          },
          {
            "provider": "worthbase",
            "usd": 3.99
          },
          {
            "provider": "vitafin",
            "usd": 5
          },
          {
            "provider": "smart_money",
            "usd": 7.99
          },
          {
            "provider": "savi_tools",
            "usd": 9
          },
          {
            "provider": "submo",
            "usd": 14.98
          },
          {
            "provider": "candor_finance",
            "usd": 14.99
          },
          {
            "provider": "betteroff",
            "usd": 20
          },
          {
            "provider": "era_app",
            "usd": 24.99
          }
        ],
        "p25": 4.24,
        "p75": 14.99
      },
      {
        "tier": "pro",
        "currency": "USD",
        "period": "month",
        "unit": "flat",
        "median": 9.04,
        "provider_count": 6,
        "plan_observation_count": 7,
        "data_confidence": 0.47,
        "data_confidence_basis": {
          "provider_component": 0.5,
          "observation_component": 0.35,
          "provider_count": 6,
          "plan_observation_count": 7
        },
        "reliability": "medium",
        "members": [
          {
            "provider": "spliteo",
            "usd": 1.99
          },
          {
            "provider": "snabber",
            "usd": 6.28
          },
          {
            "provider": "beyondpayday",
            "usd": 9
          },
          {
            "provider": "vokse",
            "usd": 9.08
          },
          {
            "provider": "openaccountant_skills",
            "usd": 20
          },
          {
            "provider": "era_app",
            "usd": 99.99
          }
        ],
        "p25": 6.96,
        "p75": 17.27
      },
      {
        "tier": "team_sme",
        "currency": "USD",
        "period": "month",
        "unit": "flat",
        "median": 17,
        "provider_count": 2,
        "plan_observation_count": 3,
        "data_confidence": 0.16,
        "data_confidence_basis": {
          "provider_component": 0.17,
          "observation_component": 0.15,
          "provider_count": 2,
          "plan_observation_count": 3
        },
        "reliability": "low",
        "members": [
          {
            "provider": "era_app",
            "usd": 9.99
          },
          {
            "provider": "savi_tools",
            "usd": 24
          }
        ]
      }
    ],
    "pricing_coverage": {
      "listings_with_price_capture": 51,
      "listings_with_observed_public_price": 31,
      "normalized_observations": 24,
      "comparable_providers": 14,
      "strict_cohorts": 3,
      "exclusion_reasons": {
        "ambiguous_cadence": 2,
        "one_time": 2
      }
    },
    "pricing_note": "Provider-deduped, FX-normalized monthly medians, separated by buyer tier AND billing unit (flat/per_seat/per_user/per_agent) — incompatible units are never blended. Ranges (p25/p75) only at >=5 providers; data_confidence is provider-count-weighted. Usage-metered, promo, range, one-time and ambiguous-cadence plans are excluded.",
    "pricing_excluded_observations": {
      "ambiguous_cadence": 2,
      "one_time": 2
    },
    "billing_mix": {
      "free": 15,
      "freemium": 8,
      "subscription": 7,
      "contact_sales": 1
    },
    "free_tier_share": 0.74,
    "top_providers": [
      {
        "agent_id": "cityparity",
        "name": "cityparity",
        "price": {
          "commercial": {
            "currency": "USD",
            "lines": [
              {
                "name": "Free",
                "price": "Free",
                "kind": "free",
                "billed": "monthly"
              }
            ]
          },
          "observed": true,
          "billing": "free",
          "lowest_monthly_usd": null,
          "monthly_usd": null,
          "headline": "Free",
          "summary": "Free. The cityparity MCP server is publicly described as free to use with no API key and edge rate limits."
        },
        "observed": true
      },
      {
        "agent_id": "era_app",
        "name": "Era",
        "price": {
          "commercial": {
            "entry_offer": {
              "line": "Organize",
              "monthly_native": 9.99,
              "monthly_usd": 9.99,
              "commitment": "monthly",
              "basis": "$9.99/month",
              "billing_verified": true
            },
            "annual_option": {
              "line": "Organize (annual billing)",
              "monthly_equivalent_native": 6.99,
              "total_native": 83.88
            },
            "currency": "USD",
            "lines": [
              {
                "name": "Basic",
                "price": "$0",
                "kind": "free",
                "billed": "monthly"
              },
              {
                "name": "Organize",
                "price": "$9.99/mo",
                "kind": "base_subscription",
                "billed": "monthly"
              },
              {
                "name": "Organize (annual billing)",
                "price": "$6.99/mo billed yearly",
                "kind": "base_subscription",
                "billed": "annually"
              },
              {
                "name": "Automate",
                "price": "$24.99/mo",
                "kind": "base_subscription",
                "billed": "monthly"
              },
              {
                "name": "Automate (annual billing)",
                "price": "$17.49/mo billed yearly",
                "kind": "base_subscription",
                "billed": "annually"
              },
              {
                "name": "Operate",
                "price": "$99.99/mo",
                "kind": "base_subscription",
                "billed": "monthly"
              },
              {
                "name": "Operate (annual billing)",
                "price": "$69.99/mo billed yearly",
                "kind": "base_subscription",
                "billed": "annually"
              }
            ]
          },
          "observed": true,
          "billing": "freemium",
          "lowest_monthly_usd": 9.99,
          "monthly_usd": 9.99,
          "headline": "Free plan; paid from $9.99/mo; $6.99/mo equivalent billed annually",
          "summary": "Free plan; paid from $9.99/mo; $6.99/mo equivalent billed annually. Era offers a free Basic tier plus paid monthly subscriptions, with Organize starting at $9.99/month or $6.99/month when billed yearly."
        },
        "observed": true
      },
      {
        "agent_id": "finance_br",
        "name": "Finance Br",
        "price": {
          "commercial": {
            "currency": "BRL",
            "notes": [
              "prices in BRL as published; USD figures are conversions at 2026-10-25"
            ],
            "lines": [
              {
                "name": "Grátis",
                "price": "GRÁTIS",
                "kind": "unknown"
              }
            ]
          },
          "observed": true,
          "billing": "free",
          "lowest_monthly_usd": null,
          "monthly_usd": null,
          "headline": "Grátis: GRÁTIS (as published; no rate or period could be read)",
          "summary": "Grátis: GRÁTIS (as published; no rate or period could be read). Falazuki oferece suas calculadoras e simulações gratuitamente, sem cadastro; não há planos pagos públicos observados."
        },
        "observed": true
      },
      {
        "agent_id": "github_machulavaccountant24_lo",
        "name": "Github Machulavaccountant24",
        "price": {
          "observed": false,
          "billing": "not_found",
          "lowest_monthly_usd": null,
          "monthly_usd": null,
          "headline": "No public price found",
          "summary": "No reliable public pricing was found; the visible dollar amounts appear in usage examples or unrelated repository content."
        },
        "observed": false
      },
      {
        "agent_id": "hacecuentas",
        "name": "hacecuentas",
        "price": {
          "observed": false,
          "billing": "not_found",
          "lowest_monthly_usd": null,
          "monthly_usd": null,
          "headline": "No public price found",
          "summary": "No public price found on the vendor site."
        },
        "observed": false
      }
    ],
    "suggested_next_calls": [
      {
        "tool": "price_benchmark",
        "arguments": {
          "niche": "ai-personal-finance-app"
        },
        "purpose": "full observed price distribution + per-tier medians for this niche"
      },
      {
        "tool": "niche_report",
        "arguments": {
          "niche": "ai-personal-finance-app",
          "response_mode": "full"
        },
        "purpose": "the complete report incl. index series and tier decomposition"
      },
      {
        "tool": "suggest_alternatives",
        "arguments": {
          "agent_id": "cityparity"
        },
        "purpose": "comparable (optionally cheaper) providers to a named agent"
      },
      {
        "tool": "get_agent_profile",
        "arguments": {
          "agent_id": "cityparity"
        },
        "purpose": "full profile, integrations and pricing for one provider"
      }
    ]
  }
}
Full market

30 providers, one sortable view

Dense enough for many listings; progressive disclosure keeps mobile usable.

ProviderTypeFromVs niche medianLiveness
cityparitycompares cost-of-living and quality-of-life between cities with salary scenarios and family situations
mcpFreefree to use—100% livemcp100% live
Eraconnects financial accounts to AI assistants so they can analyze finances, move money, set automated rules, manage budgets, and proactively monitor/act on money
mcp$9.99from / mo10.5% above100% livemcp10.5% above median100% live
Finance Brmanages personal finances and schedules through WhatsApp messaging
mcpFreefree to use—100% livemcp100% live
matcha moneyautomates budgeting and financial tracking for families
mcp$1.50from / mo83.4% below100% livemcp83.4% below median100% live
zenfinanceprovides financial memory and advisory capabilities to AI assistants for household finance management, budgeting, and retirement planning
mcpFreefree to use—100% livemcp100% live
BetteroffConnect your BetterOff household to read account balances, review net worth history, and explain changes in net worth. Requires BetterOff sign-in and explicit…
mcp$20from / mo121.2% above100% livemcp121.2% above median100% live
BeyondpaydayYour household finances, available in your AI assistant. Beyond Payday is a financial planner for families: connect it and ask about cash flow, net worth, bill…
mcp$9from / moat median100% livemcpat median100% live
Lika Rikamanages shared household finances for couples including expense tracking, budgeting, and automatic settlement calculations
mcpFreefree to use—100% livemcp100% live
Candor FinancePersonal-finance workspace for AI agents: connected bank accounts, spending, budgets, goals, and investments, with evidence behind each number. Read-only towar…
mcp$14.99from / mo65.8% above100% livemcp65.8% above median100% live
Aspertracks spending, budgets personal finances, and provides AI-driven insights to reduce impulse spending and reach savings goals
mcpFree tierpaid plans vary—100% livemcp100% live
FairfareWhat a taxi, Uber or Lyft ride should cost in the US, Canada and the UK. Taxi meter estimates from each city's official tariff (24 cities), Uber and Lyft range…
mcpFreefree to use—100% livemcp100% live
Fi Planfi PlanMonth-by-month financial simulator for Indian salaries: loan amortization & refinance, asset projections, and 50-year FIRE plans. Anonymous public tools, no si…
mcpFreefree to use—100% livemcp100% live
Finly**Finly** is an AI-powered personal finance intelligence server for Claude and MCP-enabled assistants. Connect your finances to ask real-time financial questio…
mcpFreefree to use—100% livemcp100% live
Gauss Moneyautomatically improves users' credit profiles, negotiates debt terms, finds better card/loan options, and pays off balances using a low-interest credit line
agentFreefree to use—100% liveagent100% live
JoinbudgetManage your finances with JoinBudget, a free personal budget tracker web app. Shared spaces, transaction tags and Excel export — agentic-ready for AI agents.
mcpFreefree to use—100% livemcp100% live
MyfinanceTrack your money by talking to your AI. Log expenses in plain language ("spent 24.50 eur on groceries at Lidl"), snap receipt photos, or drop a whole bank stat…
mcpFreefree to use—100% livemcp100% live
NetworthtrackrAsk about your net worth, accounts, history and holdings in plain language, and record balances by telling your assistant. No bank login.
mcpFreefree to use—100% livemcp100% live
Savi ToolsAsk your AI assistant about your Savi Tools business: invoices and who still owes you money, expenses, mileage and tax deductions, clients, projects, time, cas…
mcp$9from / moat median100% livemcpat median100% live
Smart MoneySmart Money is a personal finance tracker for everyday spending, savings and deposits. The connector lets Claude work with your Smart Money account directly: r…
mcp$7.99from / mo11.6% below100% livemcp11.6% below median100% live
Smartmoney77SmartMoney77 MCP — 12 public tools that turn financial questions into exact numbers and citable links: compound interest, FIRE number, credit-card payoff, emer…
mcpFreefree to use—100% livemcp100% live
SnabberBrazilian personal and business finance app with Open Finance. Ask about spending, credit card bills, installments and investments, and let the AI log or recat…
mcp$3.77from / mo58.3% below100% livemcp58.3% below median100% live
SpliteoSplit group expenses and manage your budgets from your AI assistant. Spliteo's remote MCP server lets your assistant list your groups and balances; add, edit o…
mcp$1.99from / mo78% below100% livemcp78% below median100% live
SubmoFind every recurring charge you pay for, see what renews and when, and get the exact steps to cancel each one. **No key required.** 20 step-by-step cancel gui…
mcp$8.33from / mo7.8% below100% livemcp7.8% below median100% live
VitafinMoney tracker, every account in its own currency: cards, loans, budgets, bills, splits, net worth. Vitafin keeps a household's money records: bank and card ac…
mcp$5from / mo44.7% below100% livemcp44.7% below median100% live
Showing only providers with a published price or a free plan. $29 = lowest observed monthly · Free = free to use · Free tier = free plan + paid options.