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

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