SoFi vs Sure

SoFi brings banking, lending, investing, credit cards, insurance, crypto, and financial guidance into one platform. Its banking tools cover balance and transaction monitoring, alerts, bill pay, transfers, mobile check deposits, debit-card controls, and automated savings. SoFi Invest offers self-directed and robo investing, IRAs, stock and IPO investing, fractional shares, and ETFs. SoFi Relay links external accounts and helps members track credit scores and finances. SoFi Coach provides financial insights by chat 24-7, with a budget planner and retirement and investment goal tracking; it can connect accounts from more than 12,000 financial institutions. Members can transfer money and open checking and savings accounts through chat, but Coach does not recommend specific stocks or execute trades. Coach is free to members using SoFi banking, borrowing, or investing services. SoFi Plus costs $10 a month. Checking and Savings is listed at free, with no account, service, or maintenance fees and no minimum balance requirement. SoFi lists web and mobile access, and its official app is distributed through the Apple App Store and Google Play Store.

Sure is a personal finance platform for tracking and managing personal and business money. It links accounts from more than 10,000 financial institutions through Plaid, and users can add assets and debts manually, including collectibles and personal loans. Investment balances can be combined with live market data. Transaction management includes custom categories, merchants and tags, filters, bulk edits, notes, receipts, manual entry, and CSV imports. Rules can categorize transactions by description, merchant, or amount, and apply to past or future activity. Budgeting tools cover category budgets, spending trends, cash-flow planning, and planned-versus-actual comparisons. An AI assistant answers questions about financial data through natural-language chat and analysis. Sure is open source under AGPLv3 and its self-hosted plan costs nothing, with contributions optional. It supports web, macOS, iOS, Android, API, and self-hosted use. The pricing page says a proper hosted version is not yet offered; users can self-host or consider third-party hosting.