My Money Train vs OnTrack Money

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 OnTrack Money
Detail	My Money Train	OnTrack Money
What it does	Know what you can spend right now with a simple visual spending pace	Simple zero-based budgeting for spending clarity
Stage	Startup	Not given
Founded	Not given	Not given
Based in	Not given	US
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: $0/month. Pro: $99.00/year ($8.25/month when billed yearly) or $12.99/month when billed monthly. Eligible U.S. App Store subscribers get 14 days free trial, then $99.00/year.
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	Zero-based budgeting method Manual transaction tracking Intelligent recommendations for tracking Recurring line items Search across transactions and budget items Export to CSV or XLSX Cross-device sync
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	Built on simplicity by design, avoiding bloated features most people don't use Free plan includes core budgeting without paid features Works seamlessly across iOS, iPad, and web with real-time sync
Community votes	0	0
DR (Domain Rating by Ahrefs)	Not checked yet no change since last check	7 +2 (up) since last check
Trust Flow (Majestic)	0	0
Citation Flow (Majestic)	21	13
Referring domains (Majestic)	6	1

5 details filled in for both companies.

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