BudgetSmart AI vs Degroshi

A side-by-side comparison built from both listings. Blank cells mean the company has not given that detail; we never guess.

BudgetSmart AI compared with Degroshi
Detail	BudgetSmart AI	Degroshi
What it does	AI-powered personal finance platform that tracks spending, detects money leaks, and forecasts your financial future.	Track all your money in one app: bank accounts, cards, cash, exchanges and crypto with summaries in hryvnia
Stage	Not given	Established
Founded	Not given	2021
Based in	CA	UA
Pricing model	Free trial	Not given
Pricing	Pro: $8.97/month or $67/year ($5.58/month when billed yearly, save 38%). Family: $14.97/month or $97/year ($8.08/month when billed yearly, save 46%), includes up to 5 family members. All prices in USD. 14-day free trial with full access.	Free tier available without credit card. Plus: 199 ₴/month or 1,999 ₴/year. Family: 399 ₴/month or 3,999 ₴/year (up to 5 people). Business: 599 ₴/month or 5,999 ₴/year for sole proprietors. Prices include taxes; annual plans offer approximately 2 months free.
Key features	AI Money Coach (Franklyn) available 24/7 Silent Money-Leak Detection to flag unused subscriptions and price hikes AI receipt scanner Bank sync across 16,000+ institutions 256-bit AES bank-level encryption	Consolidate bank accounts, cards, cash and crypto in one dashboard Voice, text and receipt photo expense recording with Surikat AI Budget tracking with spending pace alerts Days Supply calculator on iPhone and Mac Annual spending heat map and analytics Shared spaces for families and couples Support for 8 crypto exchanges and wallets Multi-currency conversion to hryvnia AES-256-GCM end-to-end encryption
What makes it different	AI designed into the core product, not bolted on as a gimmick Privacy-first with no data selling, ever Affordable AI-powered tools starting at $5.58/month Small responsive team shipping updates every week based on user feedback	Voice and photo receipt expense recording with AI categorization Consolidated view of all money sources with single hryvnia conversion Days Supply metric showing days until money runs out End-to-end encryption with data stored only in EU No data selling or AI model training on user information
Community votes	0	0
DR (Domain Rating by Ahrefs)	2 +2 (up) since last check	Not checked yet no change since last check
Trust Flow (Majestic)	0	0
Citation Flow (Majestic)	17	0
Referring domains (Majestic)	7	0

5 details filled in for both companies.

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