BNY Investments Mutual Funds vs Modest Finance
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
BNY Investments Mutual Funds
Securely manage your mutual fund accounts from your mobile device. View balances, review transactions, update information, and access statements with ease. Trade funds on the go.
- View mutual fund accounts
- Trade mutual funds
- Monitor account balances
- Review transaction history
- Modify account information
- Access statements
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Manage your mutual fund account(s) on the move using your mobile device. The BNY Investments: Mutual Fund Account Access App offers a secure, user-friendly way to access and manage your mutual fund accounts. It allows you to seamlessly view and trade your mutual fund accounts, monitor balances, review transaction history, modify account information and access statements, all with the convenience of your mobile device. @2024 BNY Mellon Securities Corporation | Member FINRA, NYSE, SIPC
Modest Finance
Plan your financial independence by setting a net worth goal and budgeting towards it. Get real-time progress updates and AI-powered expense categorization. Avoid overdrafts with checking account balance previews.
- Financial independence planner
- Real-time progress tracking
- AI expense categorization
- Checking account balance previews
- Budgeting tools
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Meet your 24/7 personal financial strategist, providing personalized ideas and reports each week about how to grow your money. Link your accounts through Plaid, and the app builds a living financial model around your household: net worth, savings rate, spending patterns, and a timeline to your goals. It then turns your transactions into categories and a personalized feed of stories. Change something today, and watch your long-term outlook update instantly. What you get: - New reports generated each week tailored to your specific household finances and goals - AI-powered categorization that actually works — bills, flex spend, wedding, and custom categories - Spending insights by year, month, or week with automatic breakdowns - Financial independence timeline that updates daily as your accounts sync - Household dashboard for partners who share goals, not every transaction Built by product people who got tired of clunky finance apps. No spreadsheets required. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/
Screenshots
Verdict
The clearest difference is rating: Modest Finance at 5.0 against BNY Investments Mutual Funds's 2.0. Modest Finance also leads on update cadence (every 4 days vs monthly) and ratings volume (13 vs 4). BNY Investments Mutual Funds's advantage is in-app purchases (none vs 6) and device support (3 vs 1). On price and ads there is nothing between them.
Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS
Both are free to download. Modest Finance sells 4 in-app purchases, starting at $8.99 per month. BNY Investments Mutual Funds asks for nothing beyond the download.
Modest Finance holds the better App Store score, 5.0 against 2.0. Both are backed by a comparable volume of ratings — 4 and 13 respectively.
BNY Investments Mutual Funds ships an update monthly, Modest Finance every 4 days. The most recent releases landed on September 19, 2026 and June 23, 2026 respectively.
| Parameter | BNY Investments Mutual Funds | Modest Finance |
|---|---|---|
| Price | Free | Free |
| Rating | 2.0 (4 ratings) | 5.0 (13 ratings) — better |
| Positive reviews | — | 100.0% of reviews |
| Number of ratings | 4 | 13 — better |
| Update frequency | Monthly | Every 4 days — better |
| Ads | No | No |
| In-app purchases | No — better | Yes |
| Monetization | Free — better | Free with in-app purchases |
| Devices | iPhone, iPad, iPod — better | iPhone |
| Requires iOS | 13.0 — better | 18.0 |
| Further details — not scored | ||
| Size | 46 MB | 35 MB |
| Age rating | 17+ | 4+ |
| Developer | The Bank of New York Mellon Corporation | Modest Ventures LLC |
Customer experience
BNY Investments Mutual Funds
Modest Finance
In-app purchases
BNY Investments Mutual Funds
No in-app purchases
Modest Finance
- Monthly Subscription7 Days trial2 variants$8.991 Month
- Monthly Subscription1 Month trial$8.991 Month
- Annual Subscription7 Days trial2 variants$80.991 Year
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- Annual Subscription1 Month trial$80.991 Year
Questions
Is BNY Investments Mutual Funds free?
Is Modest Finance free?
Which has better reviews, BNY Investments Mutual Funds or Modest Finance?
Do BNY Investments Mutual Funds or Modest Finance have ads?
Which is updated more often, BNY Investments Mutual Funds or Modest Finance?
Other comparisons
