App comparison
Amon Budget vs Wallet by BudgetBakers
This page compares automation with manual control: bank sync and external AI tools on one side, manual entry with AI inside the app on the other.
What Wallet by BudgetBakers focuses on
Bank sync with over 15,000 banks and group sharing in Premium, multi-currency, investments and net worth, scheduled payments, plus an MCP integration and a REST API for AI assistants and other tools. Official product information.
Tracking without a bank login in Amon Budget
| Use case | Amon Budget | Wallet by BudgetBakers |
|---|---|---|
| Getting transactions in | By hand, by voice, from a receipt photo (Pro) or from a CSV file; no bank connection | Bank sync with over 15,000 banks (Premium); a free tier for manual tracking |
| Switching | Amon recognises Wallet’s CSV export; rows that match saved records are skipped, and a whole import can be undone | Import from CSV, XLS or OFX files |
| AI in the app | Voice and text entries become drafts, Ask Amon shows the data behind its answer, auto-rules learn your categories; nothing is saved until you confirm | Expenses categorized automatically; data available to AI assistants such as Claude and ChatGPT through MCP |
| Currencies | Accounts in several currencies with transfers and a converted total | Multi-currency support with exchange rates calculated automatically |
| Household | Shared workspace, the author on every transaction, settle up and a shared shopping list; members inherit Pro from the owner | Group Sharing in Premium; you choose which accounts are shared or kept private |
| Looking ahead | Debts with a repayment schedule and a cash flow forecast 30, 90 or 180 days ahead | Planned payments with reminders; cash flow insights with predictive analytics |
| Investments | Portfolios with XIRR and TWR returns; US and MOEX prices and the investment plan in Pro | Investment portfolios, stocks and crypto balances next to cash flow, with overall net worth on one dashboard |
Where Amon stops
- No bank connection: transactions do not arrive automatically.
- No MCP integration or public API: Amon data is not available to external AI assistants.
- iOS and Web are available; Android is not publicly listed on Google Play yet.
How to choose
- Choose Wallet by BudgetBakers if you want transactions to arrive from your bank, or to work with your finance data from external AI assistants and tools.
- Choose Amon if you prefer tracking without a bank login, with AI that drafts entries inside the app, a household workspace and an investment plan.
Core and Pro · Investment plan · Data processing
Frequently asked questions
Can I use Amon with Claude or ChatGPT?
Not directly. Amon has no MCP integration or public API. Its AI features work inside the app: voice and text entry, receipt photos and Ask Amon.
What is free and what requires Pro?
Core is free and ad-free. Pro is $4.99 a month on the US App Store; in other countries the store sets the local price. Members inherit Pro from the owner of their shared workspace.
What works offline, and where is my data processed?
Everyday budgeting is saved locally and syncs through our backend when connected. Investments, fresh exchange rates and AI need a connection. AI requests are processed through our backend by an external model provider. No bank login is requested.