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My Money Train vs Back to the Points

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My Money Train compared with Back to the Points
DetailMy Money Train logo My Money TrainBack to the Points logo Back to the Points
What it doesKnow what you can spend right now with a simple visual spending pace Track, value and redeem credit card rewards, airline miles and hotel points in one place
StageStartup MVP
FoundedNot given Not given
Based inNot given IN
Pricing modelFreemium Free
PricingFree: up to 3 trains, default train theme, transaction history, 30D/90D/1Y reports, core widget, Apple Shortcuts. Pro: $9.99/year or $29.99 lifetime for unlimited trains, train sharing, additional visual themes, custom train-level thresholds, full widget configuration, CSV export. Localized pricing Free during early access
Key features
  • Live spending balance that updates continuously as time passes and purchases are made
  • Multiple spending trains for different expense categories
  • Visual train metaphor showing ahead or behind status
  • Home Screen widget for quick balance checking
  • Transaction history and spending reports
  • Shared trains for household spending management
  • iCloud sync for seamless data synchronization
  • CSV export for data analysis
  • Custom visual themes
  • Connect multiple credit cards and loyalty programs securely without storing passwords
  • Alerts before loyalty points and miles expire
  • Best card recommendation based on which card earns most for a purchase
  • Bank-grade encryption for secure connection
  • Read-only access to loyalty data without storing card details
  • Calculate point valuations based on real achievable redemptions across programs
  • Support for major Indian credit card issuers including HDFC, Axis, ICICI, SBI and American Express
  • Support for major airline and hotel programs including Air India, Singapore Airlines, Marriott and Hilton
What makes it different
  • Answers the immediate question of what you can spend right now instead of providing only a monthly total
  • Progress carries forward across months instead of resetting at month-end
  • Simple interface with one live number instead of complex spreadsheets or multiple categories
  • Free version available with core features to test the method before upgrading
  • Consolidated view of scattered loyalty points across multiple cards and programs in one dashboard
  • AI-powered recommendations on which card to use before you spend to earn maximum value
  • Personalized comparison of redemption options to avoid wasting points on low-value exchanges
  • AI wallet that understands your rewards and recommends what to do with them, not just tracking
  • Shows exact point costs before booking flights, hotels and upgrades directly through the app
Community votes00
DR (Domain Rating by Ahrefs)Not checked yet no change since last checkNot checked yet no change since last check
Trust Flow (Majestic)00
Citation Flow (Majestic)210
Referring domains (Majestic)60

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