Money

Monarch is the best budgeting app for people replacing a spreadsheet in 2026: $99.99 a year covers web, iOS and Android, syncs with 13,000+ institutions and lets a partner join at no extra cost. Quicken Simplifi suits budgeters who want the lowest full-featured price at $6.99 a month billed annually, and YNAB suits zero-based budgeters at $109 a year with a 34-day free trial. Goodbudget and EveryDollar both keep a permanent free plan, and PocketGuard is the cheapest paid pick at $74.99 a year, as of November 2026.

1. 1. Monarch8.7
2. 2. Quicken Simplifi8.6
3. 3. Copilot Money8.4

Barclays Online CD is the best CD for savers locking in a fixed rate in 2026: it posted 4.75% APY on 24-month and 60-month terms with no minimum deposit. Marcus by Goldman Sachs suits savers who fear a rate rise after opening, with a 10-Day CD Rate Guarantee and 4.60% APY on 18 months, and Bread Savings posted the highest rate at 4.85% APY on 18 months but needs $1,500 to open. Barclays, Ally, Capital One, Synchrony and American Express all open with $0 and charge no monthly fees as of November 2026.

1. 1. Barclays Online CD9.1
2. 2. Marcus by Goldman Sachs High-Yield CD9.0
3. 3. Ally Bank High Yield CD8.9

Wealthfront Cash Account is the best high-yield savings account for most savers in 2026: it pays a 3.55% base APY with zero account fees and up to $8M in FDIC insurance eligibility through program banks. EverBank Performance Savings suits new customers chasing the highest posted rate at 4.20% APY with $0 to open, and Marcus by Goldman Sachs suits savers who want a bank account with no minimum deposit at 3.50% APY. Every account on this list charges $0 in monthly fees as of November 2026, so pick on APY, opening minimums and how much deposit insurance you need.

1. 1. Wealthfront Cash Account9.0
2. 2. EverBank Performance Savings8.8
3. 3. Marcus by Goldman Sachs Online Savings Account8.7

EverBank Performance Savings is the best savings account for savers who want the top posted rate in 2026: new accounts earn 4.20% APY on all balances with $0 to open and no monthly maintenance fee. Marcus by Goldman Sachs suits savers who want a 3.50% APY with no conditions, no minimum deposit and same-day transfers, while SoFi Savings suits people who can route a paycheck to it for 3.30% APY plus a temporary boost. All 9 accounts here charge $0 in monthly fees as of November 2026, so the cheapest option costs nothing to hold; pick Varo or a branch bank only if their tools or access matter more than the rate.

1. 1. EverBank Performance Savings8.9
2. 2. Marcus by Goldman Sachs Online Savings Account8.8
3. 3. SoFi Savings8.7