QLife Money is your financial Shoebox — the money app that connects every account, sorts every transaction, sees your whole financial picture (investments included), and was built for how you actually live, not the household some banking app from 1998 imagined.
No credit card to start · Cancel anytime · We never sell your data
Most personal finance apps fail you in the same five ways. We built QLife Money around fixing every one of them.
The #1 complaint about every money app: the bank link breaks, you re-authenticate, it breaks again. We use multiple aggregation providers in parallel so when one fails, your data keeps flowing.
Mint never figured out that Amazon could be groceries, supplies, *or* a gift. We use AI that learns from your corrections — and lets you split a transaction across categories the way it actually happened.
Most money apps show your brokerage as one big balance. We show every holding, every lot, cost basis, capital gains, and your equity comp (RSUs, ISOs, NSOs) — the stuff that actually moves your net worth.
Most apps assume one earner, one spouse, one home, one bank account. We support partners who aren't married, three-adult households, chosen family, domestic partners in community-property states, and every other way real people share money.
Your bank still has your old name. Your brokerage has your new one. The IRS has both. Every other money app picks one and calls it a day. We separate legal name, chosen name, and pronouns — and never show you a deadname.
Free money apps make money by selling your transaction patterns to advertisers, lenders, and hedge funds. We don't have a free-forever tier subsidized by your data. We charge a fair price and answer to you.
You know the shoebox in your closet stuffed with receipts, statements, tax forms? Imagine one that sorts itself, knows you, and shows you what it all means. This isn't a features list — it's three product decisions no other money app has made.
You know that mental shoebox where you stuff receipts, statements, and W-2s? We built an actual one — except it sorts itself. Every transaction, receipt, document, and account becomes one connected ledger.
Spending is half the story. We pull in your brokerage holdings, your retirement accounts, your mortgage, your student loans, and your equity comp — so the number you see is your real one.
Real households are complicated. Real identities don't always match the documents. QLife Money is the only money app where chosen name, pronouns, and household structure are first-class parts of the data model.
We respect the apps that came before us. We just think you deserve more from one of them.
| Feature | QLife Money | Monarch | YNAB | Credit Karma | Rocket Money |
|---|---|---|---|---|---|
| Annual price | $79–$129 | $99.99 | $109 | Free* | $84–$168 |
| Auto-sync 13K+ institutions | ✓ | ✓ | ✓ | ✓ | ✓ |
| Investment holdings & cost basis | ✓ | Partial | — | — | — |
| Liabilities (mortgage, student loans) | ✓ | Partial | — | Partial | — |
| AI assistant & categorization | ✓ | ✓ | — | Intuit Assist | — |
| Equity comp (RSUs, ISOs) | ✓ | ✓ | — | — | — |
| Chosen name & pronouns | ✓ | — | — | — | — |
| Non-traditional households | ✓ | Traditional | Traditional | — | — |
| Free household sharing | ✓ Unlimited | ✓ Unlimited | ✓ Up to 6 | — | Premium only |
| Sells your data | Never | No | No | Yes (lead-gen) | Partial |
*Credit Karma is "free" because it earns commissions from the loans, cards, and insurance it recommends to you.
We didn't add inclusion as a feature request. We built the entire data model around the reality that your name, your pronouns, and your household are not afterthoughts — they're foundational.
Your chosen name is what you see — on every screen, every export, every email. Your legal name lives quietly in the background, only used when the IRS or your bank actually requires it.
Pronouns are stored on your profile and respected in every notification, summary, and export. Not optional. Not buried in settings.
If your bank or brokerage still has an old name on file, we'll match it for IRS purposes — but you'll never see it. Not in transactions, not in support tools, not anywhere.
Partners who aren't married. Domestic partners in community-property states. Three-adult households. Chosen family supporting each other. We model your household the way it actually is — not the way a 1998 banking app imagined it.
“Generic personal finance apps tell you what you spent. QLife Money tells you what it means — for your wealth, your household, and your life.”QLife Money founding principle
No surprise upsells. No "free" tier subsidized by selling your data. Pick the plan that fits and switch any time.
Try it before you commit
Forever free
For most people
or $79/year — save 34%
When investing & net worth get real
or $129/year — save 28%
Run a small business or self-employed at scale? QLife Money for Business →
Own an LGBTQ+ business and want to be found? List on the Marketplace — free →
If you run a sole prop, an LLC, or a business with multiple owners — we have the only product that handles your personal life and your business life in one place.
Open a QLife Money business account in minutes (no monthly fee, no minimum) — eligible for FDIC pass-through insurance up to 250K USD, with funds held at Fifth Third Bank, N.A., Member FDIC, via Stripe Payments Company. Your transactions auto-categorize for Schedule C as they happen. QuickBooks, Xero, and FreshBooks export included.
Track NGLCC certification status, business compliance items, and quarterly filings. Multi-owner businesses get role-based access — including for trans and nonbinary entrepreneurs (EIN-only verification supported).
Your business appears in the QLife Money marketplace — a national directory of LGBTQ+-owned and allied businesses, viewed by every Pro and Premium member who wants to spend their money intentionally.
$45/month per business or $450/year — everything above included.
QLife Money is not a bank and is not a money transmitter. QLife Money partners with Stripe Payments Company for money transmission services and account services with funds held at Fifth Third Bank, N.A., Member FDIC.
USD balances in financial accounts are eligible for FDIC pass-through deposit insurance if the accounts meet certain requirements. The accounts are eligible only to the extent pass-through insurance is permitted by the rules and regulations of the FDIC, and if the requirements for pass-through insurance are satisfied. The FDIC insurance applies up to 250,000 USD per depositor, per financial institution, for deposits held in the same ownership category.
Neither Stripe nor QLife Money is an FDIC-insured institution, and the FDIC's deposit insurance coverage only protects against the failure of an FDIC-insured depository institution.
Every Pro and Premium member gets free access to the things that make QLife Money more than software.
Searchable directory of LGBTQ+-owned and allied businesses. See in your dashboard exactly how much of your spending stays in the community each month.
Original reporting on money, career, and life — written by and for our community. Not stock-photo personal finance content.
Real guides to real situations: trans entrepreneurs opening accounts, RDP couples sharing finances, gender-affirming care & HSAs, second-parent adoption.
Own an LGBTQ+ or allied business? Get a free listing in the national QLife Money marketplace — no QLife Money for Business account required, no strings attached. Upgrade if and when you want more visibility.
For every LGBTQ+ & allied business
Forever free
For businesses that want to be found first
or $150/year — save 17%
Want a QLife Money business account too (business account, books, NGLCC tracking)? QLife Money for Business is $45/mo →
We will never sell, license, or share your transaction data with advertisers, lenders, or anyone else.
Chosen name, pronouns, and your real household structure are foundational — not optional fields buried in settings.
One subscription. No upsells, no surprise fees, no dark patterns. Cancel any time and keep your data.
SOC 2-aligned controls, AES-256 encryption, read-only account links, and a quick-wipe panic control if you ever need it.
Every member of our support team is trained in LGBTQ+ cultural competency. No misgendering, no deadnaming, no explaining yourself.
Free to start. 14 days of full Pro access on us. Cancel anytime, take your data with you. Your money should know who you are — and work for the life you actually live.
