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Monarch Money alternatives in 2026

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Monarch Money logoMonarch MoneyBudgeting app

Monarch Money is a budgeting app. 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 that on Nov 3, 2026. Below are 14 other apps, starting with the 12 other budgeting apps and then AI money tools. They're ranked by how close each app's category is to Monarch Money's, not by how good it is, and every fact shows the date we checked it.

Short answer

The closest alternatives to Monarch Money are Albert, Cleo and Copilot Money, because Albert, Cleo and Copilot Money are also budgeting apps. Monarch Core costs $14.99 a month, or $99.99 a year billed annually. We checked Monarch Money on Nov 3, 2026, and each card below puts an alternative's price, trial, platforms and ratings next to Monarch Money's, with the date we checked them.

Moving your data in or out of Monarch

Monarch is a paid budgeting and tracking app. On Oct 25, 2026, its pricing page listed Monarch Core at $99.99 a year billed annually or $14.99 a month, and Monarch Plus at $199.99 a year billed annually, each after a free 7-day trial that needs a payment method.

Monarch's help center says you can download your transaction and balance history as a CSV file, for one account or for all of your accounts at once. Downloads happen on the web, and Monarch says your full history stays available to download even after your subscription or trial ends.

Coming from another tool works the same way in reverse. Monarch says you can import transactions from a CSV file on the web, and the file needs Account, Amount and Date columns. Budgets and cash flow totals can't be imported, and Monarch warns that a CSV import can't be undone, so it suggests testing with a smaller file first.

If you plan to leave, download your history first. Monarch's help center has separate articles for canceling your subscription and for deleting your Monarch account, and it also covers sharing one account with a partner in Monarch for Couples and Households.

Written from these official pages, checked :

What Monarch Money says on its own pages

Before you compare, here is what Monarch Money itself says about these points. Quotes are its own words, and each line links to the page we read.

  • Sharing with a partner: “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.” (source, opens in a new tab, checked )
  • Joint and personal views: “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.” (source, opens in a new tab, checked )
  • Shared goals: “Contribute toward goals together in Monarch, even if you keep your money in separate accounts.” (source, opens in a new tab, checked )
  • Irregular income: “If your income is variable, you'll need to estimate your annual earnings.” (source, opens in a new tab, checked )
  • Business use: “Business tracking is available to Monarch Plus members.” (source, opens in a new tab, checked )
  • Tax time: “Prepare for tax season using the Business Tax Prep report, which maps your transactions to IRS Schedule C line items for easy export.” (source, opens in a new tab, checked )
  • Exporting your data: “You can download your transaction and balance history from Monarch as a CSV file for your own records, for taxes, or to use in a spreadsheet.” (source, opens in a new tab, checked )
  • Age and family: “if you are under the age of 18, please do not attempt to register for the Services” (source, opens in a new tab, checked )

What Monarch Money and its alternatives cost

  • Monarch Money logoMonarch 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.

    Cost over 1 and 3 years: $99.99 and $299.97, at the yearly list price before tax.

    As of · monarch.com/pricing

  • Albert logoAlbert

    $19.99a month

    Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.

    As of · help.albert.com/hc/en-us/articles/21583583733271-How-much-does-Albert-cost

  • Cleo logoCleo

    $5.99a month

    Cleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.

    Cost over 1 and 3 years: $44.99 and $134.97, at the yearly list price before tax.

    As of · web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options

  • Copilot Money logoCopilot Money

    $13a month

    Copilot Money costs $13 a month, or $95 a year billed yearly.

    Cost over 1 and 3 years: $95 and $285, at the yearly list price before tax.

    As of · copilot.money

  • EveryDollar logoEveryDollar

    $17.99a month

    EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.

    Cost over 1 and 3 years: $79.99 and $239.97, at the yearly list price before tax.

    As of · everydollar.com

  • Goodbudget logoGoodbudget

    $10a month

    Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.

    Cost over 1 and 3 years: $80 and $240, at the yearly list price before tax.

    As of · goodbudget.com/signup

  • Honeydue logoHoneydue

    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.

    As of · support.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money

  • Origin logoOrigin

    $12.99a month

    Origin's annual plan is a one-time payment of $99 for 12 months, and the monthly plan costs $12.99 a month.

    As of · support.useorigin.com/hc/en-us/articles/27538341764621-How-will-I-be-billed-for-the-annual-plan

  • PocketGuard logoPocketGuard

    $12.99a month

    PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.

    Cost over 1 and 3 years: $74.99 and $224.97, at the yearly list price before tax.

    As of · pocketguard.com/pricing

  • Quicken Simplifi logoQuicken Simplifi

    $6.99a month, billed yearly

    Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 29, 2026 see a first-year offer of $3.99 a month, billed annually.

    As of · quicken.com/products/simplifi

  • Rocket Money logoRocket Money

    Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.

    As of · rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost

  • YNAB logoYNAB

    $14.99a month

    YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.

    Cost over 1 and 3 years: $109 and $327, at the yearly list price before tax.

    As of · ynab.com/pricing

  • Fifecta logoFifecta

    $15a month

    Fifecta costs $15 a month or $150 a year.

    Cost over 1 and 3 years: $150 and $450, at the yearly list price before tax.

    As of · pricelesstay.com/fifecta

  • Actual Budget logoActual Budget

    Actual is free and open source, and its desktop apps run locally.

    As of · github.com/actualbudget/actual

  • Finances in ChatGPT

    OpenAI lists Finances for U.S. Free, Go, Plus and Pro users.

    As of · help.openai.com/en/articles/20001222-finances-in-chatgpt

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.

Alternatives to Monarch Money, closest category first

Each card puts the app's facts next to Monarch Money's, with the date we checked each one. The order follows how close the category is, not how good the app is.

How Monarch Money compares at a glance

  • Against Monarch Money's lowest listed paid price of $14.99 a month, Cleo ($5.99 a month), Copilot Money ($13 a month), Goodbudget ($10 a month), Origin ($12.99 a month) and PocketGuard ($12.99 a month) list a lower one, Albert ($19.99 a month) and EveryDollar ($17.99 a month) list a higher one and YNAB lists the same.
  • Honeydue and Actual Budget are free, unlike Monarch Money.
  • Next to Monarch Money's 7-day free trial, Albert (30 days), EveryDollar (14 days) and YNAB (34 days) run longer and Goodbudget, Honeydue, Simplifi, Actual Budget and Finances in ChatGPT have no free trial.
  • Unlike Monarch Money, which pulls in your bank data, EveryDollar and Goodbudget sync banks only when paid.
  • Copilot Money, Origin and Actual Budget run on Mac, which Monarch Money doesn't list.
  • Monarch Money doesn't list Apple Watch, and PocketGuard and YNAB do.
  • Actual Budget runs on Windows, which Monarch Money doesn't list.
  • For Linux, look at Actual Budget, since Monarch Money doesn't list it.
  • Monarch Money runs on the web, which Albert, Cleo, Honeydue and Actual Budget don't list.
  • Monarch Money lists Android, and Copilot Money and Actual Budget don't.
  • Actual Budget doesn't list iPhone, where Monarch Money runs.
  • On the App Store, against Monarch Money's 4.9, Albert (4.7), Cleo (4.7), Copilot Money (4.8), EveryDollar (4.7), Goodbudget (4.6), Honeydue (4.5), Origin (4.6), PocketGuard (4.6), Simplifi (4.5), Rocket Money (4.5) and YNAB (4.8) rate lower.
  • For help, Monarch Money lists these channels: in-app help (instant answer) and support ticket. Of the apps below, Albert, Origin and Simplifi list phone support, Albert, Cleo, Copilot Money, Goodbudget, Honeydue, Origin, PocketGuard, Rocket Money and YNAB list email support and Albert, Cleo, Copilot Money, Honeydue, PocketGuard, Simplifi, Rocket Money, YNAB and Finances in ChatGPT list chat support.
  • Monarch Money offers shared budgets, which Cleo's own pages say it doesn't.
  • Monarch Money offers investment tracking, which Cleo's own pages say it doesn't.
  • Monarch Money offers joint and individual views, which EveryDollar, PocketGuard, Simplifi and Rocket Money say on their own pages they don't.
  • Monarch Money offers help with irregular income, which Rocket Money's own pages say it doesn't.
  • Monarch Money offers business money tracking, which Albert, Cleo, EveryDollar, Goodbudget and Honeydue say on their own pages they don't.
  • Monarch Money offers exports for tax time, which Cleo's own pages say it doesn't.
  • YNAB offers options for kids, which Monarch Money's own pages say it doesn't.

Other budgeting apps

  • Albert logo

    Albert

    Budgeting app

    Same category
    Albert App Store image of the home screen
    App Store marketing image,

    Albert is a subscription money app for budgeting, banking, saving and investing, with an AI assistant called Genius.

    Price and fees
    AlbertAlbert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.As of Nov 12, 2026. Source: help.albert.com/hc/en-us/articles/21583583733271-How-much-does-Albert-cost
    Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
    Free trial
    AlbertAlbert says you can try your plan for 30 days before you're charged.As of Nov 12, 2026. Source: albert.com
    Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
    Platforms
    AlbertAlbert lists iOS and Android.As of Nov 12, 2026. Source: albert.com
    Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
    App store rating
    AlbertAlbert has 4.7 out of 5 on the App Store from 343,539 ratings.As of Nov 12, 2026. Source: App Store listing
    Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

    How Albert differs from Monarch Money

    Albert's lowest listed price is $19.99 a month, higher than Monarch Money's $14.99 a month. Albert offers 30 free days, against the 7 days Monarch Money gives you. Monarch Money also covers the web, which Albert doesn't list. Albert's own pages say it doesn't offer business money tracking, which Monarch Money includes. Albert lists phone, email and chat support, which isn't on Monarch Money's support list. Albert's App Store rating is 4.7 from 343,539 ratings, against 4.9 from 116,791 ratings for Monarch Money. Albert and Monarch Money are both budgeting apps. Like Monarch Money, Albert syncs with your bank. Albert offers goals, shared budgets, investment tracking, AI features, data export and joint and individual views, which Monarch Money includes too. Neither Albert nor Monarch Money offers options for kids, going by each app's own pages. As with Monarch Money, Albert gives partners separate logins.

    Who it fits

    • Albert lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
    • Albert lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
    • Albert lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
    • Albert lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
    • Cleo logo

      Cleo

      Budgeting app

      Same category
      Cleo App Store image of the Plan screen
      App Store marketing image,

      Cleo is a money app with an AI chat assistant, budgeting tools and cash advances.

      Price and fees
      CleoCleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.As of Nov 3, 2026. Source: web.meetcleo.com/faqs/en/articles/11864260-does-cleo-offer-annual-subscription-options
      Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
      Platforms
      CleoCleo lists iOS and Android.As of Nov 12, 2026. Source: meetcleo.com
      Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
      App store rating
      CleoCleo has 4.7 out of 5 on the App Store from 268,990 ratings.As of Nov 12, 2026. Source: App Store listing
      Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

      How Cleo differs from Monarch Money

      For a year up front, Cleo lists $44.99 a year, against Monarch Money's $99.99 a year. Cleo starts at $5.99 a month, less than Monarch Money's $14.99 a month. Cleo also has a free version, and every price Monarch Money lists is for a paid plan. Monarch Money also covers the web, which Cleo doesn't list. Monarch Money includes shared budgets, investment tracking, business money tracking and exports for tax time, which Cleo says it doesn't offer. Unlike Monarch Money, which lets each partner sign in on their own, Cleo has partners share one login. Cleo lists email and chat support, and Monarch Money's support list doesn't. On the App Store, Cleo is rated 4.7 from 268,990 ratings, next to Monarch Money's 4.9 from 116,791 ratings. Cleo is a budgeting app, the same kind of app as Monarch Money. Like Monarch Money, Cleo links your bank accounts. Like Monarch Money, Cleo offers goals and AI features. Like Monarch Money, Cleo says on its own pages that it doesn't offer options for kids.

      Who it fits

      • Cleo lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
      • Cleo lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
      • Copilot Money logo

        Copilot Money

        Budgeting app

        Same category
        Copilot App Store image of the dashboard
        App Store marketing image,

        Copilot Money is a paid budgeting and tracking app that uses AI to tag your transactions automatically.

        Price and fees
        Copilot MoneyCopilot Money costs $13 a month, or $95 a year billed yearly.As of Nov 3, 2026. Source: copilot.money
        Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
        Free trial
        Copilot MoneyCopilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length.As of Nov 3, 2026. Source: copilot.money
        Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
        Platforms
        Copilot MoneyCopilot Money lists iPhone, iPad, Mac and Web.As of Nov 3, 2026. Source: copilot.money
        Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
        App store rating
        Copilot MoneyCopilot Money has 4.8 out of 5 on the App Store from 30,895 ratings.As of Nov 3, 2026. Source: App Store listing
        Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

        How Copilot Money differs from Monarch Money

        Paying yearly, Copilot Money's lowest price is $95 a year, next to $99.99 a year for Monarch Money. Copilot Money starts at $13 a month, while Monarch Money charges from $14.99 a month. Beyond what Monarch Money covers, Copilot Money also runs on Mac. Monarch Money also covers Android, which Copilot Money doesn't list. Copilot Money has partners share one login, while Monarch Money lets each partner sign in on their own. Copilot Money lists email and chat support, and Monarch Money's support list doesn't. Copilot Money's App Store rating is 4.8 from 30,895 ratings, against 4.9 from 116,791 ratings for Monarch Money. Like Monarch Money, Copilot Money is a budgeting app. As with Monarch Money, Copilot Money syncs with your bank. Like Monarch Money, Copilot Money offers goals, investment tracking, AI features, data export, joint and individual views and business money tracking. Neither Copilot Money nor Monarch Money offers options for kids, going by each app's own pages.

        Who it fits

        • Copilot Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
        • Copilot Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
        • Copilot Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
      • EveryDollar logo

        EveryDollar

        Budgeting app

        Same category
        EveryDollar App Store image of a score gauge
        App Store marketing image,

        EveryDollar is a zero-based budgeting app from Ramsey Solutions with a free version and a paid premium version.

        Price and fees
        EveryDollarEveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.As of Nov 3, 2026. Source: everydollar.com
        Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
        Free trial
        EveryDollarEveryDollar premium starts with a 14-day free trial for new users.As of Nov 3, 2026. Source: everydollar.com
        Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
        Platforms
        EveryDollarEveryDollar lists iOS, Android and Computer.As of Nov 3, 2026. Source: ramseysolutions.com/money/everydollar
        Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
        App store rating
        EveryDollarEveryDollar has 4.7 out of 5 on the App Store from 84,203 ratings.As of Nov 3, 2026. Source: App Store listing
        Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

        How EveryDollar differs from Monarch Money

        Paying yearly, EveryDollar's lowest price is $79.99 a year, next to $99.99 a year for Monarch Money. EveryDollar starts at $17.99 a month, while Monarch Money charges from $14.99 a month. EveryDollar also has a free version, and every price Monarch Money lists is for a paid plan. Against Monarch Money's 7-day trial, EveryDollar offers 14 days. Where Monarch Money keeps your bank in sync, EveryDollar syncs banks only when paid. Unlike EveryDollar, Monarch Money includes joint and individual views and business money tracking. On the App Store, EveryDollar is rated 4.7 from 84,203 ratings, next to Monarch Money's 4.9 from 116,791 ratings. EveryDollar is a budgeting app, the same kind of app as Monarch Money. On goals, shared budgets, investment tracking, data export, shared goals and help with irregular income, EveryDollar matches Monarch Money. EveryDollar gives partners separate logins, the same as Monarch Money.

        Who it fits

        • EveryDollar lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
        • EveryDollar lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
        • EveryDollar lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
      • Goodbudget logo

        Goodbudget

        Budgeting app

        Same category
        Goodbudget App Store image of the Envelopes screen
        App Store marketing image,

        Goodbudget is an envelope budgeting app with a free version and a paid Premium version.

        Price and fees
        GoodbudgetGoodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.As of Nov 3, 2026. Source: goodbudget.com/signup
        Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
        Free trial
        GoodbudgetGoodbudget says it isn't offering trials of Premium. There is a Free Forever plan, and you can ask for a refund within the first 30 days of a subscription.As of Nov 3, 2026. Source: forums.goodbudget.com/t/premium-level/2994
        Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
        Platforms
        GoodbudgetGoodbudget lists Web, Android and iPhone.As of Nov 3, 2026. Source: goodbudget.com/signup
        Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
        App store rating
        GoodbudgetGoodbudget has 4.6 out of 5 on the App Store from 13,528 ratings.As of Nov 3, 2026. Source: App Store listing
        Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

        How Goodbudget differs from Monarch Money

        On a yearly plan, Goodbudget lists $80 a year, and Monarch Money charges $99.99 a year. Against Monarch Money's $14.99 a month, Goodbudget lists $10 a month as its lowest paid price. Monarch Money's listed prices are all for paid plans, while Goodbudget also has a free version. Goodbudget has no free trial, while Monarch Money gives you 7 days. Unlike Monarch Money, which pulls in your bank data, Goodbudget has paid-only bank sync. Goodbudget's own pages say it doesn't offer business money tracking, which Monarch Money includes. Monarch Money lets each partner sign in on their own, but Goodbudget has partners share one login. Goodbudget lists email support, which isn't on Monarch Money's support list. Goodbudget rates 4.6 from 13,528 ratings on the App Store, where Monarch Money sits at 4.9 from 116,791 ratings. Like Monarch Money, Goodbudget is a budgeting app. Like Monarch Money, Goodbudget runs on the web, iPhone and Android. Goodbudget offers goals, shared budgets, data export, shared goals, help with irregular income and exports for tax time, which Monarch Money includes too. Monarch Money rules out options for kids on its own pages, and so does Goodbudget.

        Who it fits

        • Goodbudget lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
        • Goodbudget lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
      • Honeydue logo

        Honeydue

        Budgeting app

        Same category
        Honeydue App Store image of the feed
        App Store marketing image,

        Honeydue is a free mobile app for couples to track balances, budgets and bills together, with controls over what each partner shares.

        Price and fees
        HoneydueHoneydue 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.As of Nov 3, 2026. Source: support.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money
        Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
        Free trial
        HoneydueHoneydue needs no trial: it says it is 100% free for everybody and doesn't block any features with a paywall.As of Nov 3, 2026. Source: support.honeydue.com/en/articles/3179714-how-does-honeydue-earn-money
        Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
        Platforms
        HoneydueHoneydue lists iOS and Android.As of Nov 3, 2026. Source: honeydue.com
        Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
        App store rating
        HoneydueHoneydue has 4.5 out of 5 on the App Store from 10,281 ratings.As of Nov 3, 2026. Source: App Store listing
        Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

        How Honeydue differs from Monarch Money

        Monarch Money charges from $14.99 a month, and Honeydue is free. Honeydue has no free trial, while Monarch Money gives you 7 days. Honeydue doesn't list the web, which Monarch Money covers. Honeydue's own pages say it doesn't offer business money tracking, which Monarch Money includes. Honeydue lists email and chat support, and Monarch Money's support list doesn't. Honeydue's App Store rating is 4.5 from 10,281 ratings, against 4.9 from 116,791 ratings for Monarch Money. Like Monarch Money, Honeydue is a budgeting app. As with Monarch Money, Honeydue connects to your bank. Honeydue offers shared budgets, investment tracking and joint and individual views, which Monarch Money includes too. Like Monarch Money, Honeydue says on its own pages that it doesn't offer options for kids. As with Monarch Money, Honeydue gives partners separate logins.

        Who it fits

        • Honeydue lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
        • Honeydue lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
      • Origin logo

        Origin

        Budgeting app

        Same category
        Origin App Store image with a net worth screen
        App Store marketing image,

        Origin is a paid app for budgeting, tracking your accounts and investments, and asking an AI advisor about your money, with free partner access.

        Price and fees
        OriginOrigin's annual plan is a one-time payment of $99 for 12 months, and the monthly plan costs $12.99 a month.As of Nov 12, 2026. Source: support.useorigin.com/hc/en-us/articles/27538341764621-How-will-I-be-billed-for-the-annual-plan
        Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
        Free trial
        OriginOrigin offers a 7-day free trial on monthly and annual plans, but says the trial is currently unavailable while its $1 for a year promotion runs.As of Nov 12, 2026. Source: support.useorigin.com/hc/en-us/articles/27519866928013-Is-there-a-free-trial-for-both-monthly-and-yearly-membership-plans
        Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
        Platforms
        OriginOrigin lists Web, iOS, Android and Mac.As of Nov 12, 2026. Source: useorigin.com
        Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
        App store rating
        OriginOrigin has 4.6 out of 5 on the App Store from 4,019 ratings.As of Nov 12, 2026. Source: App Store listing
        Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

        How Origin differs from Monarch Money

        Against Monarch Money's $14.99 a month, Origin lists $12.99 a month as its lowest price. Origin runs on Mac, which Monarch Money's list leaves out. Origin lists phone and email support, which isn't on Monarch Money's support list. Origin's App Store rating is 4.6 from 4,019 ratings, against 4.9 from 116,791 ratings for Monarch Money. Like Monarch Money, Origin is a budgeting app. As with Monarch Money, Origin connects to your bank. Origin offers goals, shared budgets, investment tracking, AI features, data export, joint and individual views, shared goals and business money tracking, which Monarch Money includes too. Like Monarch Money, Origin says on its own pages that it doesn't offer options for kids. As with Monarch Money, Origin gives partners separate logins.

        Who it fits

        • Origin lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
        • Origin lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
        • Origin lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
        • Origin lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
      • PocketGuard logo

        PocketGuard

        Budgeting app

        Same category
        PocketGuard App Store image of the budget plan
        App Store marketing image,

        PocketGuard is a paid budgeting app that tracks your accounts, bills and budgets and shows what is safe to spend.

        Price and fees
        PocketGuardPocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.As of Nov 3, 2026. Source: pocketguard.com/pricing
        Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
        Free trial
        PocketGuardPocketGuard offers a 7-day free trial.As of Nov 3, 2026. Source: pocketguard.com/pricing
        Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
        Platforms
        PocketGuardPocketGuard lists Web, iOS, Apple Watch and Android.As of Nov 3, 2026. Source: pocketguard.com
        Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
        App store rating
        PocketGuardPocketGuard has 4.6 out of 5 on the App Store from 7,683 ratings.As of Nov 3, 2026. Source: App Store listing
        Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

        How PocketGuard differs from Monarch Money

        Paying yearly, PocketGuard's lowest price is $74.99 a year, next to $99.99 a year for Monarch Money. PocketGuard starts at $12.99 a month, while Monarch Money charges from $14.99 a month. PocketGuard runs on Apple Watch, which Monarch Money's list leaves out. Unlike PocketGuard, Monarch Money includes joint and individual views. PocketGuard has partners share one login, while Monarch Money lets each partner sign in on their own. PocketGuard lists email and chat support, and Monarch Money's support list doesn't. PocketGuard's App Store rating is 4.6 from 7,683 ratings, against 4.9 from 116,791 ratings for Monarch Money. Like Monarch Money, PocketGuard is a budgeting app. PocketGuard offers a 7-day free trial, the same length as Monarch Money's. Like Monarch Money, PocketGuard connects to your bank. On goals, investment tracking, AI features and data export, PocketGuard matches Monarch Money. Neither PocketGuard nor Monarch Money offers options for kids, going by each app's own pages.

        Who it fits

        • PocketGuard lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
        • PocketGuard lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
        • PocketGuard lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
      • Quicken Simplifi logo

        Quicken Simplifi

        Budgeting app

        Same category
        Quicken App Store image of a projected cash flow screen
        App Store marketing image,

        Quicken Simplifi is a paid web and mobile app that builds a spending plan from your income, bills and subscriptions.

        Price and fees
        SimplifiQuicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 29, 2026 see a first-year offer of $3.99 a month, billed annually.As of Nov 3, 2026. Source: quicken.com/products/simplifi
        Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
        Free trial
        SimplifiQuicken says Simplifi has no free trial, but offers a 30-day money-back guarantee from the original purchase date for subscriptions bought directly from Quicken.As of Nov 3, 2026. Source: support.simplifi.quicken.com/en/articles/3363727-quicken-simplifi-subscription-questions
        Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
        Platforms
        SimplifiQuicken Simplifi lists Web and Mobile.As of Nov 3, 2026. Source: quicken.com/products/simplifi
        Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
        App store rating
        SimplifiQuicken Simplifi has 4.5 out of 5 on the App Store from 11,972 ratings.As of Nov 3, 2026. Source: App Store listing
        Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

        How Simplifi differs from Monarch Money

        Simplifi has no free trial, while Monarch Money gives you 7 days. Simplifi's own pages say it doesn't offer joint and individual views, which Monarch Money includes. Simplifi lists phone and chat support, and Monarch Money's support list doesn't. Simplifi rates 4.5 from 11,972 ratings on the App Store, where Monarch Money sits at 4.9 from 116,791 ratings. Like Monarch Money, Simplifi is a budgeting app. As with Monarch Money, Simplifi links your bank accounts. Simplifi offers goals, shared budgets, investment tracking, AI features, data export, shared goals, help with irregular income and exports for tax time, which Monarch Money includes too. Neither Simplifi nor Monarch Money offers options for kids, going by each app's own pages. As with Monarch Money, Simplifi gives partners separate logins.

        Who it fits

        • Simplifi lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
        • Simplifi lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
        • Simplifi lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
      • Rocket Money logo

        Rocket Money

        Budgeting app

        Same category
        Rocket Money Dashboard
        From Rocket Money's help center,

        Rocket Money is a budgeting app that tracks your spending and subscriptions, with a free version and paid Premium and Premium+ tiers.

        Price and fees
        Rocket MoneyRocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.As of Nov 3, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost
        Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
        Free trial
        Rocket MoneyRocket Money says new Premium members get a 7-day free trial, then the monthly subscription continues at the price chosen at signup.As of Nov 3, 2026. Source: help.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost
        Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
        Platforms
        Rocket MoneyRocket Money lists iOS, Android and Web.As of Nov 3, 2026. Source: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost
        Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
        App store rating
        Rocket MoneyRocket Money has 4.5 out of 5 on the App Store from 404,690 ratings.As of Nov 3, 2026. Source: App Store listing
        Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

        How Rocket Money differs from Monarch Money

        Rocket Money also has a free version, and every price Monarch Money lists is for a paid plan. Rocket Money's own pages say it doesn't offer joint and individual views and help with irregular income, which Monarch Money includes. Rocket Money lists email and chat support, and Monarch Money's support list doesn't. On the App Store, Rocket Money is rated 4.5 from 404,690 ratings, next to Monarch Money's 4.9 from 116,791 ratings. Rocket Money and Monarch Money are both budgeting apps. Rocket Money offers a 7-day free trial, the same length as Monarch Money's. Rocket Money connects to your bank, the same as Monarch Money. Rocket Money runs on the same platforms Monarch Money covers: the web, iPhone and Android. Rocket Money offers goals, shared budgets, investment tracking, AI features, data export, shared goals, business money tracking and exports for tax time, which Monarch Money includes too. Monarch Money rules out options for kids on its own pages, and so does Rocket Money. Rocket Money gives partners separate logins, the same as Monarch Money.

        Who it fits

        • Rocket Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
        • Rocket Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
        • Rocket Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
      • YNAB logo

        YNAB

        Budgeting app

        Same category
        YNAB App Store image of a tilted phone showing the Home screen
        App Store marketing image,

        YNAB is a paid budgeting app built around the YNAB Method, where you give every dollar a job before you spend it.

        Price and fees
        YNABYNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.As of Nov 3, 2026. Source: ynab.com/pricing
        Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
        Free trial
        YNABYNAB offers a 34-day free trial, and you don't need a credit card when you sign up directly with YNAB.As of Nov 3, 2026. Source: ynab.com/pricing
        Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
        Platforms
        YNABYNAB lists Web, iPhone, Android, iPad and Apple Watch.As of Nov 3, 2026. Source: ynab.com/our-app-lineup
        Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
        App store rating
        YNABYNAB has 4.8 out of 5 on the App Store from 62,068 ratings.As of Nov 3, 2026. Source: App Store listing
        Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

        How YNAB differs from Monarch Money

        You get 34 free days with YNAB, and Monarch Money's trial runs 7. YNAB runs on Apple Watch, which Monarch Money's list leaves out. Unlike Monarch Money, YNAB offers options for kids. YNAB lists email and chat support, which isn't on Monarch Money's support list. On the App Store, YNAB is rated 4.8 from 62,068 ratings, next to Monarch Money's 4.9 from 116,791 ratings. YNAB and Monarch Money are both budgeting apps. YNAB starts at $14.99 a month, the same as Monarch Money's lowest price. As with Monarch Money, YNAB connects to your bank. On goals, shared budgets, investment tracking, data export, an API or MCP, joint and individual views, shared goals, help with irregular income, business money tracking and exports for tax time, YNAB matches Monarch Money. Like Monarch Money, YNAB gives partners separate logins.

        Who it fits

        • YNAB lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
        • YNAB lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
        • YNAB lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.

      • Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

        Fifecta logo

        Fifecta

        Budgeting app

        Our app
        Fifecta app home screen on a phone
        From Fifecta's website,

        Fifecta is the Priceless Tay budgeting app that gives every paycheck a plan with FUNDS, built on your Money Type.

        Price and fees
        FifectaFifecta costs $15 a month or $150 a year.As of Nov 3, 2026. Source: pricelesstay.com/fifecta
        Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
        Free trial
        FifectaFifecta is free for 7 days, and you can cancel anytime in the app.As of Nov 3, 2026. Source: pricelesstay.com/fifecta
        Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
        Platforms
        FifectaFifecta lists Web, iPhone (home screen install) and Android (home screen install).As of Nov 3, 2026. Source: pricelesstay.com/fifecta
        Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
        App store rating
        FifectaWeb app, not in app stores.As of Nov 3, 2026. Source: pricelesstay.com/fifecta
        Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

        How Fifecta differs from Monarch Money

        On a yearly plan, Fifecta lists $150 a year, and Monarch Money charges $99.99 a year. Fifecta's lowest listed price is $15 a month, higher than Monarch Money's $14.99 a month. Fifecta makes bank sync optional, while Monarch Money pulls in your bank data. Like Monarch Money, Fifecta is a budgeting app. Like Monarch Money, Fifecta offers a 7-day free trial. On goals, shared budgets, investment tracking, AI features, data export, an API or MCP, joint and individual views, shared goals, help with irregular income, business money tracking and exports for tax time, Fifecta matches Monarch Money. Like Monarch Money, Fifecta says on its own pages that it doesn't offer options for kids.

        Who it fits

        • Fifecta lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
        • Fifecta lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
        • Fifecta lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.

      AI money tools

      • Actual Budget logo

        Actual Budget

        AI money tool

        Nearby category
        Actual Budget budget page
        From Actual Budget's help center,

        Actual Budget is an open source, local-first budgeting app built on envelope budgeting that you can self-host.

        Price and fees
        Actual BudgetActual is free and open source, and its desktop apps run locally.As of Nov 3, 2026. Source: github.com/actualbudget/actual
        Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
        Free trial
        Actual BudgetActual needs no trial: it says it is 100% free and open source.As of Nov 3, 2026. Source: github.com/actualbudget/actual
        Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
        Platforms
        Actual BudgetActual Budget lists Windows, macOS and Linux.As of Nov 3, 2026. Source: actualbudget.org/download
        Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
        App store rating
        Actual BudgetDesktop and web app; its official iOS app is in beta testing on TestFlight and there is no official Android app yet.As of Nov 3, 2026. Source: actualbudget.org/docs/faq
        Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

        How Actual Budget differs from Monarch Money

        Actual Budget is an AI money tool, not a budgeting app like Monarch Money. Unlike Monarch Money, which charges from $14.99 a month, Actual Budget is free. Actual Budget has no free trial, while Monarch Money gives you 7 days. Actual Budget adds Windows, Mac and Linux, beyond Monarch Money's list. Actual Budget doesn't list the web, iPhone and Android, which Monarch Money covers. Actual Budget links your bank accounts, the same as Monarch Money. Actual Budget offers goals, shared budgets, investment tracking, data export, an API or MCP and joint and individual views, which Monarch Money includes too. As with Monarch Money, Actual Budget gives partners separate logins.

        Who it fits

        • Actual Budget lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
        • Actual Budget lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
        • Actual Budget lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.

        • Finances in ChatGPT

          AI money tool

          Nearby category

          Finances is a built-in ChatGPT feature that links your bank accounts through Plaid and shows a money dashboard in ChatGPT.

          Price and fees
          Finances in ChatGPTOpenAI lists Finances for U.S. Free, Go, Plus and Pro users.As of Nov 3, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
          Monarch MoneyMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Nov 3, 2026. Source: monarch.com/pricing
          Free trial
          Finances in ChatGPTFinances needs no trial: OpenAI says it is available in the U.S. to Free, Go, Plus, and Pro users.As of Nov 3, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
          Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it.As of Nov 3, 2026. Source: monarch.com/pricing
          Platforms
          Finances in ChatGPTFinances in ChatGPT lists Web, iOS and Android.As of Nov 3, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
          Monarch MoneyMonarch Money lists Web, iOS and Android.As of Nov 3, 2026. Source: monarch.com
          App store rating
          Finances in ChatGPTFeature inside the ChatGPT app.As of Nov 3, 2026. Source: help.openai.com/en/articles/20001222-finances-in-chatgpt
          Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings.As of Nov 3, 2026. Source: App Store listing

          How Finances in ChatGPT differs from Monarch Money

          Finances in ChatGPT is an AI money tool, a different kind of app from Monarch Money. Finances in ChatGPT has no free trial, while Monarch Money gives you 7 days. Finances in ChatGPT lists chat support, and Monarch Money's support list doesn't. Finances in ChatGPT connects to your bank, the same as Monarch Money. Finances in ChatGPT runs on the same platforms Monarch Money covers: the web, iPhone and Android. On goals, investment tracking and AI features, Finances in ChatGPT matches Monarch Money.

          Who it fits

          • Finances in ChatGPT lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
          • Finances in ChatGPT lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
          • Finances in ChatGPT lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.

          Who Monarch Money and its alternatives are for

          Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.

          Just me

          Budgeting on your own? These are the basics people ask about first.

          • Is it free?

            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.

            As of . Source: monarch.com

            Albert: Albert's Standard plan costs $19.99 a month, and Genius and Family plans cost $39.99 a month. A Family plan covers the owner and up to 4 family members.

            As of . Source: help.albert.com

            Cleo: Cleo has a free version. Plus is $5.99 a month or $44.99 a year, Pro is $8.99 a month and Builder is $14.99 a month.

            As of . Source: web.meetcleo.com

            Copilot Money: Copilot Money costs $13 a month, or $95 a year billed yearly.

            As of . Source: copilot.money

            EveryDollar: EveryDollar has a free version. After a 14-day free trial, premium costs $79.99 a year billed annually, or $17.99 a month billed monthly.

            As of . Source: everydollar.com

            Goodbudget: Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.

            As of . Source: goodbudget.com

            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.

            As of . Source: support.honeydue.com

            Origin: Origin's annual plan is a one-time payment of $99 for 12 months, and the monthly plan costs $12.99 a month.

            As of . Source: support.useorigin.com

            PocketGuard: PocketGuard Premium costs $12.99 a month, $74.99 a year billed yearly, or $149.99 once for lifetime access.

            As of . Source: pocketguard.com

            Simplifi: Quicken Simplifi lists $6.99 a month, billed annually. New members who order directly from Quicken by November 29, 2026 see a first-year offer of $3.99 a month, billed annually.

            As of . Source: quicken.com

            Rocket Money: Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.

            As of . Source: rocketmoney.com

            YNAB: YNAB costs $14.99 a month, or $109 a year paid annually, plus tax where applicable.

            As of . Source: ynab.com

            Fifecta: Fifecta costs $15 a month or $150 a year.

            As of . Source: pricelesstay.com

            Actual Budget: Actual is free and open source, and its desktop apps run locally.

            As of . Source: github.com

            Finances in ChatGPT: OpenAI lists Finances for U.S. Free, Go, Plus and Pro users.

            As of . Source: help.openai.com

          • Does it connect to my bank and import transactions?

            Monarch Money: Yes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions.

            As of . Source: monarch.com

            Albert: Yes. Albert says it supports thousands of institutions to auto sync your balances and transactions.

            As of . Source: albert.com

            Cleo: Yes. Cleo's App Store listing says features like Money IQ need at least one bank account connected to the Cleo app.

            As of . Source: apps.apple.com

            Copilot Money: Yes. Copilot Money says it works with multiple data aggregators, starting with Plaid, so connected accounts update automatically. You can also add manual accounts.

            As of . Source: help.copilot.money

            EveryDollar: Premium only. EveryDollar premium connects your bank through Mastercard Connect and Plaid, and the free version uses manual entry.

            As of . Source: ramseysolutions.com

            Goodbudget: Premium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it.

            As of . Source: goodbudget.com

            Honeydue: Yes. Honeydue says it supports over 20,000 financial institutions across 5 countries, from bank accounts and loans to investments.

            As of . Source: honeydue.com

            Origin: Yes. Origin says you can connect to over 11,000 financial institutions.

            As of . Source: useorigin.com

            PocketGuard: Yes. PocketGuard says it connects to more than 20,000 institutions in the US, Canada and the UK through Plaid, Finicity and Salt Edge.

            As of . Source: pocketguard.com

            Simplifi: Yes. Quicken says Simplifi connects to over 14k financial institutions.

            As of . Source: quicken.com

            Rocket Money: Yes. Rocket Money says it connects to your accounts through Plaid.

            As of . Source: rocketmoney.com

            YNAB: Yes. YNAB lets you connect your accounts and import transactions.

            As of . Source: ynab.com

            Fifecta: Optional. Fifecta connects banks through Plaid with read-only access, and you can type your income and spending in by hand instead.

            As of . Source: pricelesstay.com

            Actual Budget: Yes. Actual has built-in bank syncing through goCardless in the EU and UK and SimpleFIN in the US and Canada.

            As of . Source: actualbudget.org

            Finances in ChatGPT: Yes. OpenAI says Finances connects bank accounts through Plaid and credit through Experian, as separate connections.

            As of . Source: help.openai.com

          • Is there support from the app's makers if I need help?

            Monarch Money: Yes. In-app help (instant answer) and support ticket.

            In their words: “Click Contact Support to get an instant answer or submit a ticket.”

            As of . Source: help.monarch.com

            Albert: Yes. Virtual assistant chat, live agent over text or email and phone (support options and voicemail).

            In their words: “You can always ask to transfer to a live support agent to get continued support over text or email. Call us at (844) 891-9309 to listen to support options over the phone or leave a voicemail.”

            As of . Source: help.albert.com

            Cleo: Yes. In-app chat (Ask Cleo) and email.

            In their words: “the fastest way to get help is in Ask Cleo.”

            As of . Source: web.meetcleo.com

            Copilot Money: Yes. In-app chat and email.

            In their words: “Still have questions? Contact us in the app or at support@copilot.money.”

            As of . Source: help.copilot.money

            EveryDollar: Yes. Live person (free) and coaching (premium).

            In their words: “Get support from a live person if you need help.”

            As of . Source: ramseysolutions.com

            Goodbudget: Yes. Community (Free) and email (Premium).

            In their words: “Email support”

            As of . Source: goodbudget.com

            Honeydue: Yes. Email and in-app chat.

            In their words: “You can email us at support@honeydue.com about any concerns, bugs, or suggestions.”

            As of . Source: support.honeydue.com

            Origin: Yes. AI bot with a team member on request (app and web), scheduled phone call and email.

            In their words: “Prefer to speak to someone directly? Schedule a call with our Support team at a time that works for you.”

            As of . Source: support.useorigin.com

            PocketGuard: Yes. Email, AI chat and priority human support (paid plan).

            In their words: “If you have any issues, questions, or suggestions, please feel free to contact us at support@pocketguard.com.”

            As of . Source: pocketguard.com

            Simplifi: Yes. Live chat, phone and community.

            In their words: “You can reach out to our support team via chat, phone, or the Quicken Simplifi Community, each with specific hours.”

            As of . Source: support.simplifi.quicken.com

            Rocket Money: Yes. In-app chat and email.

            In their words: “However, as we are an app-based service, all our support is currently provided digitally.”

            As of . Source: help.rocketmoney.com

            YNAB: Yes. Chatbot with human handoff and email.

            In their words: “please tell the chatbot you need a human or send us an email to ensure that your message gets to our Support team!”

            As of . Source: support.ynab.com

            Fifecta: Yes. Contact form.

            In their words: “Questions about these terms? Use our contact form.”

            As of . Source: pricelesstay.com

            Actual Budget: Yes. Community Discord (#support channel) and GitHub issues.

            In their words: “For questions about installing or using Actual, join our Discord and make a new post in the #support channel”

            As of . Source: actualbudget.org

            Finances in ChatGPT: Yes. Chat (OpenAI Help Center).

            In their words: “Need more help? Contact us for product questions, account support and general troubleshooting.”

            As of . Source: help.openai.com

          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.

          FAQ

          What are the closest alternatives to Monarch Money?

          The closest alternatives to Monarch Money are Albert, Cleo and Copilot Money, because Albert, Cleo and Copilot Money are also budgeting apps. This list is ordered by how close each app's category is to Monarch Money's, not by how good it is.

          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 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.

          What is Monarch Money's app store rating?

          Monarch Money has 4.9 out of 5 on the App Store from 116,791 ratings. That's a snapshot from the store listing on Nov 3, 2026, not our score.

          Keep comparing

          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.

          Try Fifecta free

          Sources and confidence

          Last checked
          Sourced facts
          89 facts, each linked and dated
          Monarch Money6 sourced facts, last checked Nov 3, 2026
          Albert6 sourced facts, last checked Nov 12, 2026
          Cleo5 sourced facts, last checked Nov 12, 2026
          Copilot Money6 sourced facts, last checked Nov 3, 2026
          EveryDollar6 sourced facts, last checked Nov 3, 2026
          Goodbudget6 sourced facts, last checked Nov 3, 2026
          Honeydue6 sourced facts, last checked Nov 3, 2026
          Origin6 sourced facts, last checked Nov 12, 2026
          PocketGuard6 sourced facts, last checked Nov 3, 2026
          Quicken Simplifi6 sourced facts, last checked Nov 3, 2026
          Rocket Money6 sourced facts, last checked Nov 3, 2026
          YNAB6 sourced facts, last checked Nov 3, 2026
          FifectaOur app6 sourced facts, last checked Nov 3, 2026
          Actual Budget6 sourced facts, last checked Nov 3, 2026
          Finances in ChatGPT6 sourced facts, last checked Nov 3, 2026

          Fifecta is our own app. Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

          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.