Money Forward vs Qonto
Updated June 2026 · A structured head-to-head comparison.
Finance and back-office for Japan.
The verdict
Both Money Forward and Qonto are credible accounting tools, and the right pick comes down to your priorities.
Choose Money Forward if you want a lower starting price (free) and a free plan to start on. Finance and back-office for Japan.
Choose Qonto if you'd rather have a longer free trial (30 days) and a higher overall rating (4.5/5). Business banking for European SMBs.
Money Forward vs Qonto: side by side
| Dimension | Money Forward | Qonto |
|---|---|---|
| Starting price | FreeWinner | From $9/mo |
| Free plan | YesWinner | No |
| Free trial | — | 30 daysWinner |
| Pricing model | Subscription | Subscription |
| Best for | Japanese Business | Smb, Freelancers |
| Platforms | Web, Ios, Android | Web, Ios, Android |
| Rating | 4.2/5 | 4.5/5Winner |
Money Forward key facts
- Vendor
- Money Forward
- Pricing
- Subscription — Free
- Free tier
- Yes
- Platforms
- Web, Ios, Android
- Best for
- Japanese Business
- Editor rating
- 4.2 / 5
- Founded
- 2012
- Headquarters
- Tokyo, Japan
Qonto key facts
- Vendor
- Qonto
- Pricing
- Subscription — From $9/mo
- Free tier
- Free trial (30 days)
- Platforms
- Web, Ios, Android
- Best for
- Smb, Freelancers
- Editor rating
- 4.5 / 5
- Founded
- 2016
- Headquarters
- Paris, France
Frequently asked questions
Is Money Forward better than Qonto?
Neither is universally better — Qonto edges ahead on overall rating, but the best choice depends on price, platforms, and your use case. See the side-by-side table above.
Is Money Forward or Qonto cheaper?
Money Forward is the more affordable of the two to get started, at free. Money Forward starts at free; Qonto starts at from $9/mo.
Can Money Forward replace Qonto?
Yes for most teams — both are accounting tools with heavily overlapping features. The main trade-offs are pricing and platform support, covered in the comparison above.