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Software · head to head

Banktivity vs Fidelity

Banktivity logo

Banktivity

Software

Personal finance for Mac and iOS

From
On request
Rated
-
Full reviewWebsite
Fidelity logo

Fidelity

Software

Building a better financial future

From
On request
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version; Fidelity options trades carry a 0.65 USD per contract fee on top of zero commission
  • They diverge on capability: Banktivity covers Account tracking, Fidelity covers Commission-free trading.

Where they differ

Only the attributes on which Banktivity and Fidelity actually diverge.

Attributes where Banktivity and Fidelity differ
AttributeBanktivityFidelity
Pricing modelsubscriptiontransaction
PlatformsMac, IOSWeb, IOS, Android
Founded20071946

Identical on both: starting price (On request), free tier (No), user rating (Not yet rated), category (Unknown).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Banktivity

  • Account tracking
  • Bill management
  • Investment tracking
  • Budget forecasting
  • Mac support

Only in Fidelity

  • Commission-free trading
  • Retirement planning
  • Advisory services
  • Research tools
  • Web support
  • Android support

Both cover

  • Bank accounts
  • Investment accounts
  • IOS support

What people use each for

The jobs each tool is most often brought in to do.

Banktivity

  • Personal budgeting and money management on a Macnot Fidelity
  • Investment and net worth trackingnot Fidelity
  • Retirement planning projectionsnot Fidelity
  • Connecting to over 14,000 financial institutionsnot Fidelity

Fidelity

  • Commission free trading of US stocks and ETFsnot Banktivity
  • Holding IRAs, 401(k) plans and taxable brokerage accountsnot Banktivity
  • Trading bonds, options and mutual funds from one accountnot Banktivity

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Banktivity

  • Runs on macOS, iPhone and iPad only, with no Windows, Android or web version
  • Pricing is not shown on the product page and sits behind a separate plans page

Fidelity

  • Options trades carry a 0.65 USD per contract fee on top of zero commission
  • Non Fidelity mutual funds carry a 49.95 USD transaction fee per purchase
  • Secondary market bonds cost 1.00 USD per bond, while new issues are free
  • A foreign settlement fee of 50 USD applies per trade
  • Margin rates are tiered by debit balance, from 11.825 percent below 25,000 USD down to 7.50 percent at 1 million USD or more, against a base rate of 10.575 percent effective 12 December 2025
  • Margin liquidation by the broker costs 32.95 USD per liquidation

Pricing, plan by plan

Banktivity

On request
  • Monthly$4.99/month
    • Full feature access
    • Cloud sync
  • Annual$39.99/month
    • All monthly features
    • Discounted rate

Fidelity

On request
  • Brokerage$undefined/month
    • Commission-free trading
    • Research tools
  • Advisory$undefined/month
    • Personal advisor
    • Wealth management

Which should you pick?

Choose Banktivity if

  • You need account tracking.
  • You work on Mac, IOS.
  • You also want bill management.
Banktivity review

Choose Fidelity if

  • You need commission-free trading.
  • You work on Web, IOS, Android.
  • You also want retirement planning.
Fidelity review

Questions people ask

Is Banktivity or Fidelity better?
Neither clearly leads. Banktivity starts at On request and Fidelity at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Banktivity or Fidelity?
Banktivity starts at On request and Fidelity at On request.
Does Banktivity or Fidelity run on more platforms?
Banktivity runs on Mac, IOS. Fidelity runs on Web, IOS, Android.
What is Banktivity best used for?
Banktivity is most often used for personal budgeting and money management on a mac, investment and net worth tracking, retirement planning projections, connecting to over 14,000 financial institutions. Of those, personal budgeting and money management on a mac and investment and net worth tracking are not what Fidelity is typically brought in for.
What can Banktivity do that Fidelity cannot?
Banktivity covers Account tracking, Bill management, Investment tracking, Budget forecasting. Fidelity covers Commission-free trading, Retirement planning, Advisory services, Research tools. Both handle Bank accounts, Investment accounts, IOS support.
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