TinyCashflow vs OpenBudget

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

TinyCashflow compared with OpenBudget
Detail	TinyCashflow	OpenBudget
What it does	Spreadsheet-style cashflow manager	Connect your bank to AI and get real answers
Stage	Not given	Not given
Founded	Not given	Not given
Based in	Not given	US
Pricing model	Freemium	Freemium
Pricing	Free: $0/forever with 1 worksheet, desktop app (offline), and all core features. Premium: $6/month (billed yearly at $72/year or $9/month), includes unlimited worksheets, cross-device sync, mobile app access, web and desktop access, and priority support. 30-day free trial available with no credit ca	Base: $5/month billed annually or $9.95/month billed monthly. Investor: $8.25/month billed annually ($99/year) or $12.95/month billed monthly. Both include a 7-day free trial.
Key features	Continuous timeline view of past, present, and future financial life Automatic projection of recurring income and expenses Multi-currency and cryptocurrency support 100% offline desktop app with optional encrypted sync Cross-device sync for Premium users CSV and JSON import and export with no lock-in Mobile app for quick transaction capture Works on Web, Windows, macOS, Linux, iOS, and Android No signup or bank credentials required to start	Ask Claude, ChatGPT, or any MCP client about spending, budgets, and balances 10,000+ US bank connections via Plaid Automatic transaction categorization with user-defined rules Auto-sync transactions to Google Sheets and Excel Track cards, loans, balances, APRs, and due dates Split mixed purchases into budget categories Connect investment and retirement accounts Scheduled check-ins and recurring tasks via AI
What makes it different	No signup, no bank linking, and works completely offline without any data selling or tracking Automatic recurring transaction projection so every future date shows your actual expected balance Single continuous timeline showing entire financial life instead of pages or months to click through Full data ownership with import/export in CSV and JSON preventing any vendor lock-in	No data stored on servers; credentials stay with Plaid and money never moves through OpenBudget One subscription with everything included; no ads or data selling Automatic spreadsheet sync with no manual CSV exports
Community votes	0	0
DR (Domain Rating by Ahrefs)	9 +1 (up) since last check	13 no change since last check
Trust Flow (Majestic)	18	13
Citation Flow (Majestic)	19	32
Referring domains (Majestic)	53	110

5 details filled in for both companies.

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