SoFi vs Trout
SoFi
sofi.comTrout
trout.moneySide by side
| Figure | SoFi | Trout |
|---|---|---|
| Price from | Free | €4.92/mo |
| Free plan | Yes | Yes |
| Free trial | — | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| Windows | Yes | — |
| macOS | Yes | — |
| iOS | Yes | — |
| Android | Yes | — |
| API | — | Yes |
| Self-hosted | — | Yes |
| Plans published | 7 | 7 |
| Spec score · Personal Finance Software | 9.5 (#1) | 8.8 (#15) |
| Account sync | both | both |
| Budgeting tools | Yes | Yes |
| Founded | 2011 | 2025 |
| Free plan | Yes | Yes |
| Net-worth tracking | Yes | Yes |
| Report export | Yes | Yes |
| Support | SoFi lists phone, email, live chat, and social-media support channels, with U.S. customer support at 855-456-7634. | The maker provides a GitHub bug-report link and lists an email address for privacy and data requests. |
Plans
SoFi
- SoFi Coach / RelayPriced on request
- SoFi Coach / RelayPrice not published
- SoFi Plus$10 a month
- SoFi Plus$120 a year
- SoFi Checking and SavingsFree
- SoFi Plus$10 a month
- SoFi CoachFree
Trout
- FreeFree
- Hosted Monthly€7 a month
- Hosted Annual€59 a year
- Manual budgetingFree
- Self-hostedFree
- Hosted monthly€7 a month
- Hosted annual€59 a year
In their own words
SoFi
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.