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Cilantro

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Effortlessly track finances, detect anomalies, and manage shared accounts

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Tracked since2026
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The Bottom Line

Entry price

Paid plans only

Biggest pro

Eliminates the need for manual budgeting and transaction tagging.

Biggest con

No free tier available beyond a 7-day preview.

TL;DR - Cilantro

  • Automatically tracks financial changes without manual budgeting or tagging.
  • Highlights unusual charges, subscription increases, and auto-detects travel spending.
  • Designed for individuals and couples with secure, read-only bank connections.
Pricing: Paid only
Best for: Enterprises & pros

What is Cilantro?

Editorial review
Cilantro is a personal finance iOS application designed to simplify money tracking by focusing on what's changed in your financial accounts. Instead of requiring users to set up budgets or tag transactions, it automatically monitors checking, savings, and credit card accounts to surface unusual charges, recurring bill increases, and automatically recaps travel spending. It's ideal for individuals and couples who want an effortless way to stay on top of their finances without the overhead of traditional budgeting apps. Cilantro provides a unified view of all connected accounts, offers anomaly alerts, tracks subscriptions, and allows for easy sharing with a partner while maintaining privacy for individual accounts. The app emphasizes data security with read-only bank connections and a strict no-ads, no-data-sales business model.

Pros & Cons

Pros

  • Eliminates the need for manual budgeting and transaction tagging.
  • Provides proactive alerts for significant financial changes.
  • Offers a seamless experience for couples to manage joint finances while respecting individual privacy.
  • Strong commitment to user privacy with no ads, data sales, or tracking cookies.
  • Intuitive interface with plain-English answers to spending questions.

Cons

  • No free tier available beyond a 7-day preview.
  • Only available on iOS (iPhone).
  • Cannot move money or initiate transactions, only reads data.

Key Features

Unified view of all connected accounts (checking, savings, credit cards)Upcoming bills and subscription renewal trackingAnomaly alerts for unusual charges, new merchants, and possible duplicatesSubscription radar to spot recurring bills and price increasesAuto-detected trip recaps with total spending across multiple cards and currenciesPlain-English Q&A for spending inquiries with native chartsHousehold sharing with partner while maintaining private account privacyRead-only bank connections for security

Pricing Plans

Free Trial

Pricing checked Jun 17, 2026

Annual

$69.99 / yr

Everything in all plans.

Monthly

$8.99 / mo

Everything in all plans.

Included in all plans

  • Both your accounts in one view
  • Upcoming bills, renewals & recent-change tracking
  • Anomaly & unusual-charge alerts
  • Subscription radar & price-change tracking
  • Auto-detected trip recaps
  • Plain-English Q&A about your spending
  • Household sharing
  • Unlimited bank connections

How Cilantro's pricing compares

At $5.83/mo, Cilantro is mid-range of its 5 direct competitors ($2.49 to $49/mo across the set).

$2.99
Cilantro
$5.83

Entry paid plan, monthly. Pricing checked Jun 17, 2026.

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Cilantro FAQ

How does Cilantro help couples manage their finances?

Cilantro offers a seamless experience for couples to manage joint finances. It allows for easy sharing with a partner while maintaining privacy for individual accounts, providing a unified view of all connected accounts.

What kind of user is Cilantro best suited for?

Cilantro is ideal for individuals and couples who want an effortless way to stay on top of their finances without the overhead of traditional budgeting apps. It focuses on what's changed in financial accounts rather than requiring manual budgeting or transaction tagging.

How does Cilantro compare to Copilot Money?

Cilantro differentiates itself by eliminating the need for manual budgeting and transaction tagging, focusing instead on automatically surfacing unusual charges and recurring bill increases. It provides proactive alerts for significant financial changes, unlike traditional budgeting tools.

What are the main limitations of using Cilantro?

Cilantro is currently only available on iOS devices, meaning it cannot be used on Android or web platforms. Additionally, it operates with read-only bank connections, so users cannot move money or initiate transactions directly within the app.

How is Cilantro priced?

Cilantro is offered as a paid product, and it does not include a permanently free tier. Users can access a 7-day preview to experience its features before committing to a subscription.

Can Cilantro help me understand my travel spending?

Yes, Cilantro automatically recaps travel spending, providing insights into these specific expenditures. It monitors connected accounts to help users stay informed about their financial activity without manual categorization.

Does Cilantro offer any privacy safeguards for my financial data?

Cilantro has a strong commitment to user privacy, operating with read-only bank connections to ensure data security. The business model strictly prohibits ads, data sales, or tracking cookies, safeguarding user information.

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