VOL. XCIV, NO. 247

★ FINANCIAL TOOLS & SERVICES DIRECTORY ★

PRICE: 5 CENTS

Tuesday, October 28, 2025

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Tool Comparison

Cash App vs Firefly III comparison

Compare pricing, supported platforms, categories, and standout capabilities to decide which tool fits your workflow.

Quick takeaways

Cash App adds Brokerage, and Downloadable Tax Reports coverage that Firefly III skips.

Firefly III includes APIs & SDKs, Webhooks, and Other categories that Cash App omits.

Cash App ships a mobile app. Firefly III is web/desktop only.

In depth comparison

Cash App

cash.app

A U.S.-only brokerage (18+) offering $0-commission stock and ETF trading with fractional shares, plus integrated Bitcoin trading and Lightning transfers. Custom trigger-based orders are supported for both stocks and Bitcoin, though they are not traditional limit orders. Tax documents can be downloaded directly from the web Documents portal.

Platforms

MobileWeb

Pricing

Free

Quick highlights

Commission-free stock and ETF trading with fractional shares; investing starts at $1.
Coverage includes more than 1,800 U.S. stocks and ETFs.
Auto Invest lets users schedule recurring purchases of selected stocks or ETFs.
Round Ups automatically invest spare change from Cash App Card purchases into a chosen stock, Bitcoin, or savings balance.
Custom price-triggered orders for stocks and Bitcoin; these are not limit orders or guaranteed executions.

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Firefly III

firefly-iii.org

An open-source, self-hosted personal finance manager licensed under AGPLv3. Offers full double-entry bookkeeping, REST APIs, and optional event webhooks. Exchange-rate conversion is available from v6.2 onward as an opt-in feature. Bank connections are handled separately through the Firefly Data Importer app.

Platforms

WebAPI

Pricing

Free

Quick highlights

Self-hosted open-source personal finance manager (AGPLv3 license).
Supports double-entry bookkeeping with budgets, categories, tags, and detailed reporting.
Comprehensive REST API (JSON) with OAuth2 and Personal Access Tokens, plus a full OpenAPI specification.
Event webhooks for transaction create/update/delete, enabled through environment configuration.
Separate Data Importer tool supports CSV and CAMT.053, with optional bank integrations via Salt Edge, GoCardless, and SimpleFIN.

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Where they differ

Cash App

Distinct strengths include:

Brokerage Downloadable Tax Reports

Commission-free stock and ETF trading with fractional shares; investing starts at $1.
Coverage includes more than 1,800 U.S. stocks and ETFs.
Auto Invest lets users schedule recurring purchases of selected stocks or ETFs.
Round Ups automatically invest spare change from Cash App Card purchases into a chosen stock, Bitcoin, or savings balance.

Firefly III

Distinct strengths include:

APIs & SDKs Webhooks Other

Self-hosted open-source personal finance manager (AGPLv3 license).
Supports double-entry bookkeeping with budgets, categories, tags, and detailed reporting.
Comprehensive REST API (JSON) with OAuth2 and Personal Access Tokens, plus a full OpenAPI specification.
Event webhooks for transaction create/update/delete, enabled through environment configuration.

Feature-by-feature breakdown

Attribute	Cash App	Firefly III
Categories Which research workflows each platform targets	Shared: Portfolio Unique: Brokerage, Downloadable Tax Reports	Shared: Portfolio Unique: APIs & SDKs, Webhooks, Other
Asset types Supported asset classes and universes	Stocks, ETFs, Cryptos	Other
Experience levels Who each product is built for	Beginner, Intermediate	Beginner, Intermediate, Advanced
Platforms Where you can access the product	Mobile, Web	Web, API
Pricing High-level pricing models	Free	Free
Key features Core capabilities called out by each vendor	Unique Commission-free stock and ETF trading with fractional shares; investing starts at $1. Coverage includes more than 1,800 U.S. stocks and ETFs. Auto Invest lets users schedule recurring purchases of selected stocks or ETFs. Round Ups automatically invest spare change from Cash App Card purchases into a chosen stock, Bitcoin, or savings balance. Custom price-triggered orders for stocks and Bitcoin; these are not limit orders or guaranteed executions. Bitcoin trading is fully integrated, with send/receive support via the Lightning Network — typically instant and free during trading hours.	Unique Self-hosted open-source personal finance manager (AGPLv3 license). Supports double-entry bookkeeping with budgets, categories, tags, and detailed reporting. Comprehensive REST API (JSON) with OAuth2 and Personal Access Tokens, plus a full OpenAPI specification. Event webhooks for transaction create/update/delete, enabled through environment configuration. Separate Data Importer tool supports CSV and CAMT.053, with optional bank integrations via Salt Edge, GoCardless, and SimpleFIN. CSV export available for accounts, budgets, categories, tags, recurring transactions, subscriptions, piggy banks, rules, and more.
Tested Verified by hands-on testing inside Find My Moat	Not yet	Not yet
Editor pick Featured inside curated shortlists	Standard listing	Standard listing

Frequently Asked Questions

Which workflows do Cash App and Firefly III both support?

Both platforms cover Portfolio workflows, so you can research those use cases in either tool before digging into the feature differences below.

Do Cash App and Firefly III require subscriptions?

Both Cash App and Firefly III keep freemium access with optional paid upgrades, so you can trial each platform before committing.

Which tool has mobile access?

Cash App ships a dedicated mobile experience, while Firefly III focuses on web or desktop access.

What unique strengths set the two platforms apart?

Cash App differentiates itself with Commission-free stock and ETF trading with fractional shares; investing starts at $1., Coverage includes more than 1,800 U.S. stocks and ETFs., and Auto Invest lets users schedule recurring purchases of selected stocks or ETFs., whereas Firefly III stands out for Self-hosted open-source personal finance manager (AGPLv3 license)., Supports double-entry bookkeeping with budgets, categories, tags, and detailed reporting., and Comprehensive REST API (JSON) with OAuth2 and Personal Access Tokens, plus a full OpenAPI specification..

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