Budgeting comparison
Honeydue vs Monarch Money
Updated
Data as of
Honeydue checked Monarch Money checked
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Honeydue
Budgeting app
Visit site for Honeydue (opens in a new tab)
Monarch Money
Budgeting app
Visit site for Monarch Money (opens in a new tab)
Short answer
- Pick Honeydue if you want an app that costs nothing.
- Pick Monarch Money if you want business spending tracked next to personal spending, a web version, or the higher App Store rating (4.9, compared with 4.5).
- The biggest difference is price: Honeydue is free, and Monarch Money lists $14.99 a month.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Honeydue vs Monarch Money at a glance
- Honeydue
- Price
- Free
- Free trial
- None
- Rating
- 4.5 of 5App Store, 10,281 ratings
- Platforms
- 2iOS, Android
- Monarch Money
- Price
- $14.99a month
- Free trial
- 7 days
- Rating
- 4.9 of 5App Store, 116,791 ratings
- Platforms
- 3Web, iOS, Android
What it costs
- Honeydue
Honeydue says it is 100% free for everybody and doesn't block any features with a paywall. It asks users to consider an optional monthly tip of $1 to $10.
- Monarch Money
$14.99a month
Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.
$99.99 a year at the yearly list price, or $299.97 over 3 years, before tax.
Source
monarch.com/pricing, checked .
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer.
Features
| Feature | Honeydue | Monarch Money |
|---|---|---|
| Shared budgets | Yes | Yes |
| Investment tracking | Yes | Yes |
Monarch Money also lists AI features, savings goals, data export and API or MCP access.
Sources for these features
Yes means the official site lists it. No means the official site says the app doesn't have it.
- Honeydue: honeydue.com/how-it-works, checked Nov 3, 2026.Shared budgets: 'you and your partner can also create custom categories', from the Budget tab; budgets are set per category. support.honeydue.com/en/articles/3179812-can-i-change-a-category-or-add-a-new-one, checked Nov 3, 2026.
- Monarch Money: monarch.com/pricing, checked Nov 3, 2026.Data export: CSV download of transaction and balance history, on the web. help.monarch.com/hc/en-us/articles/15526600975764-Downloading-Transaction-or-Account-History, checked Nov 3, 2026.API or MCP: Official MCP connector (server https://api.monarch.com/mcp) for Claude, ChatGPT, Cursor and Gemini CLI; read access, writes with permission. Finicity data not available through it. help.monarch.com/hc/en-us/articles/50207234679956-Monarch-MCP-Connector, checked Nov 3, 2026.
Honeydue and Monarch Money, side by side
| Detail | Honeydue | Monarch Money |
|---|---|---|
| Free trialDiffers | HoneydueHoneydue needs no trial: it says it is 100% free for everybody and doesn't block any features with a paywall. | Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it. Sourcemonarch.com/pricing, checked . |
| PlatformsDiffers | HoneydueHoneydue lists iOS and Android. Sourcehoneydue.com, checked . | Monarch MoneyMonarch Money lists Web, iOS and Android. Sourcemonarch.com, checked . |
| Bank syncingDiffers | HoneydueYes. Honeydue says it supports over 20,000 financial institutions across 5 countries, from bank accounts and loans to investments. Sourcehoneydue.com/how-it-works, checked . | Monarch MoneyYes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions. Sourcemonarch.com, checked . |
| App store ratingDiffers | HoneydueHoneydue has 4.5 out of 5 on the App Store from 10,281 ratings. SourceApp Store listing, checked . | Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings. SourceApp Store listing, checked . |
Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps and compare up to four side by side.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Home
Honeydue
App Store marketing imageApp Store image with the headline "See your finances in one feed." showing an activity feed.App Store listing, as of 
App Store marketing imageThe home feed: "Good evening, Jenn" with a Returned TV refund card with comments and emoji, and a higher than usual phone bill card.App Store listing, as of
Monarch Money
From Monarch Money's help centerA Customize dashboard dialog with toggles for widgets such as Getting started guide, Investments, Budget, Net worth and Spending trend.help.monarch.com, as of
Accounts
Honeydue
App Store marketing imageApp Store image with an Apple "New Apps We Love" badge and the headline "Outsmart money, together." showing a Balances screen.App Store listing, as of 
App Store marketing imageThe Balances screen with Individual, All and Joint tabs, two partner photos around "All, 12 Accounts", and checking and credit card rows labeled Jenn, Steve or Joint.App Store listing, as of
Monarch Money
App Store marketing imageApp Store image with the headline "Your entire financial life. One clear view." showing the Accounts screen with a net worth chart and account rows.App Store listing, as of 
App Store marketing imageThe Accounts screen: net worth of $748,606 with a line chart, time range buttons and Cash account rows.App Store listing, as of
Transactions
Honeydue
No official screen found yet
Monarch Money
App Store marketing imageApp Store image with the headline "Review transactions with a swipe." showing a transaction review card for Peloton with a "Marked as Reviewed" card over it.App Store listing, as of
Budget
Honeydue
App Store marketing imageApp Store image with the headline "Track spending with your partner." showing a Budget screen.App Store listing, as of 
App Store marketing imageThe Budget screen: a ring chart with $2,622 spent in March, filter chips including Joint Account, and category rows like Date Nights and Home & Utilities with amounts left.App Store listing, as of
Monarch Money
App Store marketing imageApp Store image with the headline "A budget that flexes with your life" showing the June Budget screen.App Store listing, as of 
App Store marketing imageThe June Budget screen: $4,640 left to budget, then Income, Expenses and Goals bars and an Income table.App Store listing, as of 
From Monarch Money's help centerThe mobile January 2026 budget with Left to budget at the top and Income and Expenses tables.help.monarch.com, as of 
App Store marketing imageThree budget bars for Income, Expenses and Goals, each with spent or contributed and remaining amounts.App Store listing, as of 
From Monarch Money's help centerA green card reading $5,220 Left to budget.help.monarch.com, as of 
From Monarch Money's help centerBudget rows under Bills & Utilities and Food & Dining with budget, actual and remaining columns and progress bars.help.monarch.com, as of
Goals
Honeydue
No official screen found yet
Monarch Money
App Store marketing imageApp Store image with the headline "Track progress on your biggest goals" showing a Vacation goal with amounts saved and a timeline chart.App Store listing, as of 
App Store marketing imageThe Vacation goal screen: $3,000.00 of $6,000.00, four amount tiles and a stepped timeline chart.App Store listing, as of 
From Monarch Money's help centerAn Allocate funds dialog moving $2,000 from Joint Checking to an Emergency fund goal.help.monarch.com, as of 
From Monarch Money's help centerA card showing $91,336.27 available for goals, two accounts, and Allocate funds and Edit goal accounts buttons.help.monarch.com, as of
Reports and insights
Honeydue
No official screen found yet
Monarch Money
App Store marketing imageApp Store image with the headline "See where every dollar flows" showing a Reports screen with a Sankey cash flow chart.App Store listing, as of 
App Store marketing imageThe Reports screen with Cash Flow, Spending and Income tabs and a Sankey chart from income into categories like Housing and Food & Dining.App Store listing, as of 
From Monarch Money's help centerThe web Reports Cash Flow view with income, expense and net totals and a bar chart by month.help.monarch.com, as of
Bills and recurring
Honeydue
App Store marketing imageApp Store image with the headline "Coordinate bills like a pro." showing a Bills calendar.App Store listing, as of 
App Store marketing imageThe Bills screen: a March calendar and bills for Gas & Electricity (paid), Rent Bill and Cellphone with due dates.App Store listing, as of
Monarch Money
App Store marketing imageApp Store image with the headline "Spot every subscription. Cut what you don't need." showing Complete and Upcoming bill cards.App Store listing, as of 
App Store marketing imageTwo cards: Complete bills like Apple Card and Mortgage, and Upcoming charges like Netflix, Disney+ and Peloton with due dates.App Store listing, as of 
From Monarch Money's help centerA monthly calendar with colored dots under the days that have recurring items.help.monarch.com, as of
Investments
Honeydue
App Store marketing imageApp Store image with the headline "Track your investments." showing an Apple Inc. holding.App Store listing, as of 
App Store marketing imageAn Apple Inc. holding: AAPL $6,194.70 total holdings with a 3M chart and your position with price, price change and 30 shares.App Store listing, as of
Monarch Money
App Store marketing imageApp Store image with the headline "Investments, accounts, net worth - all connected." showing the Investments screen with a portfolio chart.App Store listing, as of 
App Store marketing imageThe Investments screen: a $270,239.50 portfolio value and a chart comparing the portfolio with the S&P 500.App Store listing, as of
Sharing with a partner
Honeydue
App Store marketing imageApp Store image with the headline "Share, don't split." showing a Split Expenses screen.App Store listing, as of 
App Store marketing imageThe Split Expenses screen: "You Owe Steve: $42.13" with a Settle Up Balance button and recent expenses like Dinner with Parents and Trip to Hawaii.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Argue less, save more." showing a chat about a bank charge.App Store listing, as of 
App Store marketing imageA chat with Jennifer about a charge: "Does this bank charge look normal?", an Uber transaction card and replies.App Store listing, as of 
App Store marketing imageIndividual, All and Joint tabs above two partner photos and "All, 12 Accounts".App Store listing, as of 
App Store marketing imageTwo partner photos around "You Owe Steve: $42.13" and a Settle Up Balance button.App Store listing, as of 
App Store marketing imageA Returned TV card for $562.85 with Like, React and Comment buttons, emoji reactions and messages from Jenn and Steve.App Store listing, as of
Monarch Money
App Store marketing imageApp Store image with the headline "Manage money together. No drama." showing a photo of a family with cards for Shared, Melanie and Jon and two account rows.App Store listing, as of 
From Monarch Money's help centerThe web Transactions page with a transaction open and an Owner menu offering Shared, Jon and Melanie.help.monarch.com, as of 
App Store marketing imageAn owner switcher with Shared, Melanie and Jon, above a Net Worth card with a joint checking and a savings account.App Store listing, as of 
From Monarch Money's help centerA credit card list where each card has owner avatars and a balance.help.monarch.com, as of
AI assistant
Honeydue
No official screen found yet
Monarch Money
From Monarch Money's help centerThe AI Assistant panel on the web with past chats on the left and suggested questions like "How much did I spend on coffee last month?"help.monarch.com, as of
Who it's for
Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Honeydue: Honeydue says it is 100% free for everybody and doesn't block any features with a paywall. It asks users to consider an optional monthly tip of $1 to $10.
Monarch Money: Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.
Source
monarch.com/pricing, checked .Does it connect to my bank and import transactions?
Honeydue: Yes. Honeydue says it supports over 20,000 financial institutions across 5 countries, from bank accounts and loans to investments.
Source
honeydue.com/how-it-works, checked .Monarch Money: Yes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions.
Source
monarch.com, checked .Is there support from the app's makers if I need help?
Honeydue: Yes. Email and in-app chat.
Source
In their words: “You can email us at support@honeydue.com about any concerns, bugs, or suggestions.” support.honeydue.com/en/articles/3179782-what-is-your-customer-support-email, checked .Monarch Money: Yes. In-app help (instant answer) and support ticket.
Source
In their words: “Click Contact Support to get an instant answer or submit a ticket.” help.monarch.com/hc/en-us/articles/19985735202068-Monarch-FAQs, checked .
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Honeydue: Yes. Your partner gets their own login.
Source
In their words: “Enter in your partner's name and email address, and they will get an email to sign up.” support.honeydue.com/en/articles/3179655-how-do-i-invite-my-partner-to-honeydue, checked .Monarch Money: Yes. Your partner gets their own login.
Source
In their words: “Partners will each have their own login, but can view each other's data and contribute their own accounts and transactions to a shared space.” monarch.com/features/collaboration, checked .Can we keep shared and individual views?
Honeydue: Yes. You can keep shared and individual views.
Source
In their words: “You get to decide what your partner can see in an account you own.” support.honeydue.com/en/articles/3283211-how-to-change-what-my-partner-can-see, checked .Monarch Money: Yes. You can keep shared and individual views.
Source
In their words: “Shared Views allows you to assign ownership to accounts and transactions, making it simple to personalize what you see without losing sight of the bigger picture.” help.monarch.com/hc/en-us/articles/42228648365076-Shared-Views-in-Monarch, checked .
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
Does it have accounts or features for kids or teens?
Honeydue: No.
Source
In their words: “You may use the Services only if you are 18 years or older” honeydue.com/terms, checked .Monarch Money: No.
Source
In their words: “if you are under the age of 18, please do not attempt to register for the Services” monarch.com/terms, checked .
Freelancer
Paid on an uneven schedule or running a side hustle? Here's what each app offers. See apps with a SEP IRA or Solo 401(k).
Can I mix business and personal expenses in this app?
Honeydue: No.
Source
In their words: “to run such copy of the App solely for your own personal non-commercial purposes” honeydue.com/terms, checked .Monarch Money: Yes. You can track business spending next to personal spending.
Source
In their words: “Business tracking is available to Monarch Plus members.” help.monarch.com/hc/en-us/articles/48344411171092-Business-Tracking, checked .
Business
Running a small business? Here's what each app says about business money.
Can I mix business and personal expenses in this app?
Honeydue: No.
Source
In their words: “to run such copy of the App solely for your own personal non-commercial purposes” honeydue.com/terms, checked .Monarch Money: Yes. You can track business spending next to personal spending.
Source
In their words: “Business tracking is available to Monarch Plus members.” help.monarch.com/hc/en-us/articles/48344411171092-Business-Tracking, checked .
A question shows only when every app here has a current official source that answers it. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistBoth Honeydue and Monarch Money list investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderMonarch Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerBoth Honeydue and Monarch Money list bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Honeydue nor Monarch Money feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
FAQ
How much does Honeydue cost?
Honeydue says it is 100% free for everybody and doesn't block any features with a paywall. It asks users to consider an optional monthly tip of $1 to $10. We checked this on Nov 3, 2026.
How much does Monarch Money cost?
Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually. We checked this on Nov 3, 2026.
Does Honeydue have a free trial?
Honeydue needs no trial: it says it is 100% free for everybody and doesn't block any features with a paywall. We checked this on Nov 3, 2026.
Does Monarch Money have a free trial?
Monarch offers a free 7-day trial, and you need a payment method to start it. We checked this on Nov 3, 2026.
More comparisons
Similar comparisons
Keep comparing
- See Honeydue alternatives, closest category first.
- See Monarch Money alternatives, closest category first.
- Browse our guide to the best budgeting apps.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Sourced facts
- 12 facts, each linked and dated
Honeydue6 sourced facts, last checked Nov 3, 2026
- Price and feessupport.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money, as of Nov 3, 2026
- Free trialsupport.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money, as of Nov 3, 2026
- Platformshoneydue.com, as of Nov 3, 2026
- Bank syncinghoneydue.com/how-it-works, as of Nov 3, 2026
- Featureshoneydue.com/how-it-works, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Monarch Money6 sourced facts, last checked Nov 3, 2026
- Price and feesmonarch.com/pricing, as of Nov 3, 2026
- Free trialmonarch.com/pricing, as of Nov 3, 2026
- Platformsmonarch.com, as of Nov 3, 2026
- Bank syncingmonarch.com, as of Nov 3, 2026
- Featuresmonarch.com/pricing, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.
This is education, not financial advice.
