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Budget Board vs Monarch Money: catalog facts
Budget Board	Monarch Money
Free Free and open source under the AGPL-3.0 licence.	Paid Paid subscription, with introductory discounts on the first year.
Web, Self-hosted	Android, iOS, Web
Bank sync through SimpleFIN and LunchFlow Auto-categorisation with a locally trained model	Automatic categorization of connected accounts Shared access for a partner or adviser at no extra cost
Automatic bank sync depends on third-party providers Requires hosting your own server	Requires an account and a paid subscription Financial data is held by a cloud service
Self-hosted	Downloadable app, Web application, Hosted service
Open source	Closed source
License: AGPL-3.0	License not stated
Not stated if an account is needed	Account needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked October 2, 2026	Official website Full listing and sources Checked September 23, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.