Most budgeting and FIRE calculators want your bank login, your email, and a monthly subscription. MyDailyCost gives you 220+ calculators with zero data collection. Here is how we compare.
| Feature | MyDailyCost | Monarch | NerdWallet | YNAB |
|---|---|---|---|---|
| Price | Free forever | $99/yr | Free | $99/yr |
| Account required | No | Yes | Yes | Yes |
| Bank login needed | No | Yes | Yes | Yes |
| Data collected | None | Financial data | Financial data | Financial data |
| FIRE calculators | 8+ types | None | Basic | None |
| Total calculators | 220+ | 3 | ~15 | None |
| Australian super support | Yes | US only | US only | Limited |
| Works offline | Yes | No | No | No |
| Embeddable widgets | Free | No | No | No |
| Multi-country | AU, US, UK, NZ, CA, IN | US, CA | US | US |
| Budget tracking | Calculators | Full app | Full app | Full app |
| Bank syncing | No | 13,000+ banks | Yes | Yes |
Where we win: If you want to run the numbers on a specific financial question — how much does smoking cost me, when can I retire, is a raise or bonus worth more, what is my wealth percentile — we have a purpose-built calculator for it, free, with no signup. Our FIRE coverage (Barista, Coast, Lean, Fat, Geographic Arbitrage, with Super) is broader than any paid app.
Where they win: If you want ongoing budget tracking with automatic bank syncing, transaction categorisation, and bill reminders, that is what Monarch and YNAB do well. We are calculators, not a banking dashboard. Different tools for different jobs.
Our philosophy: Your financial data should stay on your device. You should not need to connect your bank account to a third-party server to find out if you can afford to quit your job. Run the numbers, get the answer, close the tab. Nothing stored, nothing tracked.
No signup. No email. Just calculators.