# Alternatives to Monarch Money

The post-Mint household favorite.

Monarch Money ranks #10 of 14 in Budgeting apps, with an Alt Score of 64. It is proprietary, sold by subscription from $99.99/year and available on Web, iOS and Android. 6 of 10 checklist rows are verified against a public source.

Source: https://altcatalog.com/alternatives/monarch-money/
Category: Budgeting apps

## Where Monarch Money stands out

- **Subscription price** — 6 of 14 apps with a verified answer have this

## Overview

- **Who it's for**: People who want a single dashboard for budgeting, net worth, and investments, including couples managing money together and users switching from Mint.
- **What you get**: Automatic syncing of bank, credit, loan, investment, and property accounts into one net worth view. Flexible, customizable budgets with automatic transaction categorization. Recurring-subscription detection, savings goal tracking, and customizable spending reports and charts. Shared access for partners or a financial advisor at no extra cost.
- **How it works**: Link your financial accounts, then Monarch pulls in and categorizes transactions automatically. From there you review balances and spending on the dashboard, set up budgets and goals, and track progress via reports on web, iOS, or Android.

## Profile

- **License**: Proprietary (verified 2026-07-11)
- **Pricing model**: Subscription (verified 2026-07-11)
- **Starts at**: $99.99/year (verified 2026-07-11)
- **Platforms**: Web, iOS, Android
- **Status**: active (verified 2026-07-11)

## Ranked alternatives

| # | App | Alt Score | Licence | Platforms |
|---|-----|-----------|---------|-----------|
| 1 | [Lunch Money](https://altcatalog.com/alternatives/lunch-money.md) | 86 | Proprietary | Web, iOS, Android |
| 2 | [Quicken](https://altcatalog.com/alternatives/quicken.md) | 82 | Proprietary | Windows, macOS |
| 3 | [Simplifi](https://altcatalog.com/alternatives/simplifi.md) | 82 | Proprietary | Web, iOS, Android |
| 4 | [Actual Budget](https://altcatalog.com/alternatives/actual-budget.md) | 78 | MIT | Windows, macOS, Linux, Web |
| 5 | [YNAB](https://altcatalog.com/alternatives/ynab.md) | 73 | Proprietary | Web, iOS, Android |
| 6 | [GnuCash](https://altcatalog.com/alternatives/gnucash.md) | 68 | GPL-2.0 | Windows, macOS, Linux |
| 7 | [KMyMoney](https://altcatalog.com/alternatives/kmymoney.md) | 68 | GPL-2.0 | Windows, macOS, Linux |
| 8 | [PocketGuard](https://altcatalog.com/alternatives/pocketguard.md) | 68 | Proprietary | ? |
| 9 | [Goodbudget](https://altcatalog.com/alternatives/goodbudget.md) | 64 | Proprietary | iOS, Android, Web |
| 10 | [Copilot Money](https://altcatalog.com/alternatives/copilot-money.md) | 60 | Proprietary | macOS, iOS, Web |
| 11 | [EveryDollar](https://altcatalog.com/alternatives/everydollar.md) | 60 | Proprietary | Web, iOS, Android |
| 12 | [Firefly III](https://altcatalog.com/alternatives/firefly-iii.md) | 60 | AGPL-3.0 | Web |
| 13 | [HomeBank](https://altcatalog.com/alternatives/homebank.md) | 60 | GPL-2.0 | Windows, macOS, Linux |

Alt Score = Verified coverage (90%) + Visibility (10%). See https://altcatalog.com/how-alt-score-works/

## Feature comparison

Legend: Yes / No / Partial / ? (not verified).

| Budgeting apps checklist | Monarch Money | Lunch Money | Quicken | Simplifi | Actual Budget | YNAB |
|---|---|---|---|---|---|---|
| Pricing model | Subscription | Subscription | Subscription | Subscription | Free | Subscription |
| Starts at | $99.99/year | $100/year | $3.49/month | $2.99/month | ? | $109/year |
| License | Proprietary | Proprietary | Proprietary | Proprietary | MIT | Proprietary |
| Platforms | Web, iOS, Android | Web, iOS, Android | Windows, macOS | Web, iOS, Android | Windows, macOS, Linux, Web | Web, iOS, Android |
| Bank sync (regions) | Yes | Yes | Yes | Yes | Partial | Yes |
| Manual entry mode | Yes | Yes | Yes | Yes | Yes | Yes |
| Envelope / zero-based budgeting | ? | Partial | No | Yes | Yes | Yes |
| Investment tracking | Yes | Yes | Yes | Yes | Partial | No |
| Multi-currency | ? | Yes | Yes | No | Partial | No |
| Shared budgets | Yes | Yes | Partial | Yes | Yes | Yes |
| Reports & net worth | Yes | Yes | Yes | Yes | Yes | Yes |
| CSV import | ? | Yes | Yes | Yes | Yes | Yes |
| Local-only data option | ? | ? | Partial | No | Yes | ? |
| Subscription price | Yes | Yes | Yes | Yes | No | Yes |

## Sources

Sources for Monarch Money. Each alternative is sourced on its own page.

- **License**: Proprietary — <https://www.monarch.com/download> (verified 2026-07-11)
  - Quote: “Copyright © 2026 Monarch Money, Inc. All rights reserved.”
- **Starts at**: $99.99/year — <https://www.monarch.com/pricing> (verified 2026-07-11)
  - Quote: “Free 7-day trial, then $99.99/year. Cancel in settings before trial ends. Payment method required.”
- **Pricing model**: Subscription — <https://www.monarch.com/pricing> (verified 2026-07-11)
  - Quote: “Free 7-day trial, then $14.99/month. Cancel anytime in settings. Payment method required.”
- **Platforms**: Web, iOS, Android — <https://www.monarch.com/download> (verified 2026-07-11)
  - Quote: “Use Monarch's financial tools from any device. Available on web, iPhone, iPad, and Android in the United States and Canada.”
- **Status**: active — <https://www.monarch.com/pricing> (verified 2026-07-11)
  - Quote: “Get 30% OFF your first year with code WELCOME*”
- **Bank sync (regions)**: Yes — <https://www.monarch.com/features/tracking> (verified 2026-07-11)
  - Quote: “Monarch syncs with 13,000+ institutions to give you a complete financial picture.”
- **Manual entry mode**: Yes — <https://www.monarch.com/features/tracking> (verified 2026-07-11)
  - Quote: “You can also add manual accounts for any assets not connected to Monarch so they can be included in your net worth calculation as well.”
- **Investment tracking**: Yes — <https://www.monarch.com/features/tracking> (verified 2026-07-11)
  - Quote: “See your investment allocation and adjust your risk profile as needed.”
- **Shared budgets**: Yes — <https://www.monarch.com/for-couples> (verified 2026-07-11)
  - Quote: “For no extra cost, you can invite your partner to your account and get a joint view of your shared finances.”
- **Reports & net worth**: Yes — <https://www.monarch.com/features/tracking> (verified 2026-07-11)
  - Quote: “Filter and view assets, liabilities, and net worth reports in a way that’s most helpful to you.”
- **Subscription price**: Yes — <https://www.monarch.com/pricing> (verified 2026-07-11)
  - Quote: “Free 7-day trial, then $14.99/month. Cancel anytime in settings. Payment method required.”

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Ranked by verified data, never by who paid. https://altcatalog.com/trust/