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We tried 5 money apps with our partner for 90 days. Only one was a chat.
Honeydue, YNAB, Monarch, Copilot, Capi Together. A head-to-head on logging friction, shared views, multi-currency, weekly rhythm, privacy, and price, with the app we still open every morning at the end.
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Why ChatGPT is worse than a real tracker for personal finance
Six concrete reasons LLMs fall apart when you try to use them as your ledger — memory, math, currency, categories, privacy, and the Sunday digest that can't exist in a chat.
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Text vs tap: why typing "coffee 4.50" beats opening an app
Every expense tracker asks for six taps. Capi asks for a sentence. Here's why that one design decision changes whether you still log anything three weeks from now.
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More notes are on the way — on ghosts, weekly pulse, and the case against budgeting. Subscribe via the RSS feed if that's your thing.