Trout vs Wallet by BudgetBakers
Trout
trout.moneyWallet by BudgetBakers
web.budgetbakers.comSide by side
| Figure | Trout | Wallet by BudgetBakers |
|---|---|---|
| Price from | €4.92/mo | Free |
| Free plan | Yes | Yes |
| Free trial | Yes | Yes |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | — | Yes |
| Android | — | Yes |
| API | Yes | — |
| Self-hosted | Yes | — |
| Plans published | 7 | 4 |
| Spec score · Personal Finance Software | 8.8 (#15) | 8.8 (#10) |
| Spec score · Budgeting And Expense Tracking | 8.2 (#12) | 7.9 (#17) |
| Account sync | both | both |
| Bank sync | Supported European banks connect through Enable Banking, while supported US and Canadian banks connect through SimpleFIN. | The product page says Wallet connects to over 15,000 financial institutions for transaction syncing and balance updates. |
| Budgeting | Envelope budgeting includes categories, groups, rolling balances, and five goal types. | Wallet supports category spending limits, overspending alerts, AI-powered category assignment, and multiple budget types. |
| Budgeting tools | Yes | Yes |
| Founded | 2025 | 2014 |
| Free plan | Yes | Yes |
| Net-worth tracking | Yes | Yes |
| Privacy | The hosted service says it does not sell data, show advertising, or use financial data to train machine-learning models. | BudgetBakers says it complies with GDPR, requires explicit user authorization, and provides a right to data deletion. |
| Report export | Yes | Yes |
| Security | The privacy policy says passwords are hashed with scrypt, transport uses TLS, and provider secrets are encrypted at rest. | BudgetBakers states it is ISO 27001 certified, PCI DSS compliant, and PSD2 licensed, and that bank access is read-only. |
| Support | The maker provides a GitHub bug-report link and lists an email address for privacy and data requests. | The download page lists priority support among Wallet's stated benefits. |
Plans
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
Wallet by BudgetBakers
- FreeFree
- Premium LifetimePrice not published
- Premium MonthlyPrice not published
- Premium YearlyPrice not published
In their own words
Wallet by BudgetBakers
Wallet by BudgetBakers is a personal finance tracking and budgeting tool for Android, iOS, and web. It is not a bank and does not hold funds, send payments, or withdraw cash. Users can set category spending limits, receive overspending alerts, use AI-powered category assignment, and choose among multiple budget types. Wallet says it connects to over 15,000 financial institutions for transaction syncing and balance updates. It supports multiple currencies with automatic exchange-rate calculations, and imports historical records in CSV, XLS, or OFX formats. The mobile app lists real-time notifications, quick expense entry, receipt scanning, and offline mode. The web app lists analytics, bulk operations, report export, and multi-tab support. Premium includes Group Sharing for household expenses and savings goals, with control over shared accounts; its REST API provides access to transactions, accounts, budgets, and goals. BudgetBakers says bank access is read-only, and describes GDPR compliance and a right to data deletion. Wallet has a free plan, and a free trial is listed.