Alternatives to Monarch Money
A subscription money app that connects your accounts to track spending, budgets, net worth and goals. The listings below can replace it for an important use case. Each note says what changes if you switch.
The original
Monarch Money
A subscription money app that connects your accounts to track spending, budgets, net worth and goals.
Replacements
Listings that take over the same core job as Monarch Money.
Copilot Money
A paid personal finance app for tracking spending, budgets, investments and net worth on Apple devices and web.
Copilot Money is a paid app with native iPhone, iPad and Mac apps plus web covering spending, budgets, investments and net worth, but no Android app.
YNAB
A subscription budgeting app built around zero-based budgeting, where every dollar is assigned a job.
YNAB is a subscription app built around hands-on zero-based budgeting with extensive learning material, on Android, iOS and web, offering a free trial without a credit card.
Lunch Money
A web-based budgeting and spending tracker with multi-currency support, bank syncing and a developer API.
Lunch Money is a paid web service with strong multi-currency support, bank syncing, CSV import, a rules engine and a developer API, but no mobile apps are listed.
Quicken Simplifi
A subscription budgeting app from Quicken that tracks spending, savings goals, investments and net worth.
Quicken Simplifi is a paid web subscription showing what is left after bills and subscriptions, with savings goals and investment tracking with cost basis and performance.
PocketGuard
A budgeting app that links your accounts and shows what is left to spend after bills.
PocketGuard is paid after the trial, links accounts to show leftover money after bills, and adds a debt payoff planner on web, iOS and Android.
Rocket Money
A budgeting app that finds your subscriptions, helps cancel them and tracks monthly spending.
Rocket Money is a freemium app on Android, iOS and web that finds recurring subscriptions and can cancel them for you, alongside custom monthly budgets.
Emma
A budgeting app that connects your bank accounts to track spending, bills, subscriptions and savings.
Emma is a freemium Android and iOS app aimed at UK users that tracks bank accounts, bills and subscriptions, with savings goals and rent reporting to credit agencies.
Actual Budget
Envelope budgeting that keeps your data on your own device and syncs between machines without a company in the middle.
Actual Budget is free, MIT licensed and local-first envelope budgeting, syncing through a server you run, so no company holds your full transaction history.
Also worth comparing
These listings name Monarch Money as their own alternative, so the relationship runs both ways.
Buxfer
An online money manager for budgeting, forecasting, investment tracking and retirement planning.
Monarch Money is a paid subscription on web, Android and iOS that tracks spending, budgets, net worth and goals, and lets a partner or adviser share access at no extra cost.
EveryDollar
A zero-based budgeting app from Ramsey Solutions for planning a monthly budget and tracking spending.
Monarch Money is a paid hosted service that connects accounts for automatic categorization, budgets, net worth and goals, not tied to one method.
Goodbudget
An envelope budgeting app for the web, Android and iPhone that syncs budgets across a household.
Monarch Money is a paid subscription that connects your accounts for automatic categorisation, tracks net worth and goals, and gives a partner shared access at no extra cost.
Honeydue
A mobile finance app for couples to track shared money, bills and expenses together.
Monarch Money gives a partner shared access at no extra cost and adds web access and net worth tracking, but requires a paid subscription, unlike the free Honeydue.
Kresus
A free, self-hosted personal finance manager that fetches bank transactions daily onto your own server.
Monarch Money is a paid hosted subscription that connects your accounts with automatic categorisation, so bank data and credentials move from your server to its cloud.
Kubera
A hosted net worth tracker for stocks, crypto, property, debts and other assets in any currency.
Monarch Money is a paid subscription that tracks net worth alongside budgets, cash flow and goals from connected accounts, with Android and iOS apps and free partner access.
MoneyWiz
A personal finance app for budgets, accounts and bank sync with desktop and mobile versions.
Monarch Money is a paid hosted service on Android, iOS and web that tracks budgets, net worth and goals, with shared partner access at no extra cost.
PocketSmith
A budgeting and cash-flow forecasting service that projects account balances into the future.
Monarch Money is a paid hosted service on Android, iOS and web that tracks budgets, cash flow, net worth and goals, with free shared partner access.
Sure
A self-hostable personal finance and net-worth app maintained by the community as a fork of Maybe Finance.
Monarch Money is a paid hosted service tracking net worth, budgets and goals with automatic categorisation, so your financial data sits in its cloud rather than your server.
Tiller
A service that feeds bank transactions and balances into your own Google Sheets or Excel spreadsheets.
Monarch Money is a paid hosted app that categorizes connected accounts automatically and tracks budgets, net worth and goals, without working inside your own spreadsheets.
Wallet by BudgetBakers
A personal and family finance app for expense tracking, budgeting and bank synchronization on web and Android.
Monarch Money is a paid subscription with automatic categorization of connected accounts, net worth and goals, and free shared access for a partner or adviser.
Similar software
Related functionality, not a direct replacement.
Credit Karma
Free web service and mobile app for checking credit scores and reports and tracking spending.
Splitwise
An app for splitting shared bills and tracking who owes whom among friends, housemates and groups.
