My Money Train vs CosmicTao

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

My Money Train compared with CosmicTao
Detail	My Money Train	CosmicTao
What it does	Know what you can spend right now with a simple visual spending pace	Bazi charts, I Ching readings, compatibility tools, and bilingual metaphysics library
Stage	Startup	Startup
Founded	Not given	2025
Based in	Not given	Not given
Pricing model	Freemium	Freemium
Pricing	Free: 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 core Bazi chart and I Ching readings; paid PRO Reports include advanced features like luck pillars, annual cycles, synastry, and spirit stars.
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	Bazi Four Pillars calculator with True Solar Time correction Day Master and Ten Gods analysis I Ching digital coin oracle with 64 hexagrams Synastry compatibility reports Wish Sanctuary public wall Bilingual library and dictionary Palmistry reading tool AI-assisted report explanations Lunar calendar and Jieqi solar-term calculations
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	True Solar Time correction for hour pillar accuracy Bilingual interface in English and Chinese Community wish rituals with public wall
Community votes	0	0
DR (Domain Rating by Ahrefs)	Not checked yet no change since last check	2 no change since last check
Trust Flow (Majestic)	0	1
Citation Flow (Majestic)	21	17
Referring domains (Majestic)	6	7

6 details filled in for both companies.

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