Features: Budget, Track Expenses & Save Money
- Smart expense tracking with automatic categorization
- 4 Pillars budgeting method — better than 50/30/20 for real families
- AI financial advisor with personalized money-saving tips
- Savings goals with visual progress tracking
- Financial health score from 0 to 100
- Gamification with achievements, streaks and levels
- Debt payoff planner with Snowball vs Avalanche calculator
- Free financial calculators — no sign-up required
- Fully bilingual: English and Spanish interface
- Privacy-first: no bank connection needed
DineroClaro vs Mint vs YNAB
Mint shut down in 2024 and YNAB costs $14.99 per month. DineroClaro offers unlimited budgeting, expense tracking, savings goals, an AI advisor and debt planning in one completely free app. The 4 Pillars method adapts better to variable income and family budgets than traditional rules.
Free Financial Calculators
Use our free calculators for budgeting, debt payoff, emergency funds, compound interest and credit score estimation with no sign-up required. Plan your financial future and discover how much you can save.