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The Silo 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.

The Silo compared with OnTrack Money
DetailThe Silo logo The SiloOnTrack Money logo OnTrack Money
What it doesBudgeting and debt payoff planner with no bank linking and no data selling Simple zero-based budgeting for spending clarity
StageNot given Not given
FoundedNot given Not given
Based inNot given US
Pricing modelNot given Freemium
PricingFree plan: 2 accounts, 5 debts, 1 property, no card required. Home plan: $5.99/month. 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
  • Avalanche, snowball, or custom debt payoff order
  • Projected debt-free date
  • Financial forecasting up to ten years out
  • Overdraft warnings months in advance
  • Bank and credit card statement upload
  • No bank account connection required
  • Two-factor authentication and encryption
  • Consolidation offer calculator
  • Household sharing of financial books
  • 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
  • No bank account linking – you enter numbers, not credentials
  • Price locked in for life – no rate increases
  • Reads bank statements to eliminate manual data entry
  • Actual debt-free date instead of vague projections
  • Warns of overdrafts months before they happen
  • 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 votes00
DR (Domain Rating by Ahrefs)10 no change since last check7 +2 (up) since last check
Trust Flow (Majestic)220
Citation Flow (Majestic)1213
Referring domains (Majestic)21

4 details filled in for both companies.

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