Alternatives

The best Monarch Money alternatives in 2026

The best Monarch Money alternative depends on why you are leaving. For a cheaper tracker, try Quicken Simplifi. For a free option, Empower or Actual Budget. For stricter budgeting, YNAB. For better Apple apps, Copilot. For an AI that answers questions from your accounts, Treasury, which we make.

Prices and features checked September 18, 2026. We make Treasury, so it is listed first. Each entry below says who it suits better than Treasury, and we link to every product's own site.

Monarch Money alternatives at a glance

8 Monarch Money alternatives compared on who they suit, price, free option and platforms
App	Best for	Price	Free option	Platforms
Treasury	Getting answers, not just reports	$95/yr or $12.99/mo	14-day free trial	Web, iPhone, iPad
Quicken Simplifi	A cheaper tracker	$3.99/mo billed annually for year one, then $6.99/mo	No free plan	Web, iPhone, iPad, Android
Copilot Money	iPhone and Mac users	$95/yr or $13/mo	1-month free trial	iPhone, iPad, Mac, Web
YNAB	Hands-on, zero-based budgeting	$109/yr or $14.99/mo	34-day trial, no card	Web, iPhone, iPad, Android
Empower	Free net-worth tracking	Free	Yes, the dashboard is free	Web, iPhone, Android
Actual Budget	Free and private	Free, open source	Yes, free forever	Web, desktop; runs on your own server or a host
Lunch Money	Multiple currencies	$100/yr or $10/mo	30-day trial	Web; mobile apps
Tiller	Spreadsheet lovers	$99/yr	30-day trial	Google Sheets or Microsoft Excel

U.S. prices from each product's own pricing page, before tax. Introductory offers are noted where the renewal price differs.

Why people look for a Monarch Money alternative

Monarch is one of the best-reviewed apps in the category, so most people leave for a specific reason rather than general dissatisfaction. These are the ones we see most in reviews and on Reddit.

It costs $99.99 a year, with no free plan

Price is the most common objection, especially from former Mint users and people who only want spending tracking.

The planning tools moved to a $199.99 tier

Monarch Plus added a second tier at twice the price. Some long-time subscribers read it as paying more for features they expected.

Bank connections that break

Every app that links banks has this problem. With Monarch it is still one of the most reported complaints.

Wanting a different kind of help

Some people want a strict method like YNAB. Others want answers about what to do, not only reports on what happened.

The 8 best Monarch Money alternatives

1. Our product · Best for: Getting answers, not just reports

Treasury

Treasury tracks spending, budgets, subscriptions and net worth like Monarch, and is built around an AI money coach you can ask about your own accounts.

Price

$95/yr or $12.99/mo
Free option

14-day free trial
Platforms

Web, iPhone, iPad
Bank sync

Yes, U.S. banks via Plaid
Budgeting style

Category budgets; several budgets at once
AI

AI money coach that answers from your accounts
Partner sharing

Not yet
Pros
- Ask money questions in plain English and get answers from your own accounts
- Scored 95 out of 100 on TreasuryBench, our 59-question advice benchmark
- Tag one transaction into more than one budget, such as monthly spending and a trip
Cons
- No native Android app; Android users use the web app
- No shared partner login yet
- No free plan after the trial, and U.S. banks only
Compared with Monarch Money: Treasury costs $95 a year to Monarch Core’s $99.99. On TreasuryBench it scored 95 to Monarch’s 53 across the same 59 money questions. Monarch is the better pick if you need a partner login or a native Android app today.

Try Treasury free 14-day free trial · cancel anytime
2. Best for: A cheaper tracker

Quicken Simplifi

Simplifi covers much of what Monarch does, including spending, bills, net worth and cash-flow projection, for less money.

Price

$3.99/mo billed annually for year one, then $6.99/mo
Free option

No free plan
Platforms

Web, iPhone, iPad, Android
Bank sync

Yes, U.S. banks
Budgeting style

Spending plan: what is left after bills and savings
AI

None advertised
Partner sharing

Check current terms
Pros
- The cheapest full-featured tracker here, even after the first year
- Clear view of bills, subscriptions and projected cash flow
- Backed by Quicken, which has made finance software since 1983
Cons
- The price rises about 75% when the first year renews
- Scored 61 on TreasuryBench, well behind dedicated AI tools
- Reports show what happened; deciding what to do is up to you
Compared with Monarch Money: It is cheaper in year one and after renewal. The trade-off is less polish and fewer household features.

Visit Quicken Simplifi Treasury vs Quicken Simplifi
3. Best for: iPhone and Mac users

Copilot Money

If your household is all Apple, Copilot’s apps are the most refined in the category, and its categorization improves as you correct it.

Price

$95/yr or $13/mo
Free option

1-month free trial
Platforms

iPhone, iPad, Mac, Web
Bank sync

Yes, U.S. banks
Budgeting style

Category budgets with rollovers
AI

Automatic categorization; AI assistant in public beta
Partner sharing

Check current terms
Pros
- The most refined Apple apps in the category
- Categorization learns from your corrections
- Recurring charges and subscriptions are easy to review
Cons
- No native Android app
- Reviewers say the web app, launched in late 2025, still trails the Apple apps
- One monthly budget rather than several
Compared with Monarch Money: It costs slightly less than Monarch Core. It has no native Android app and uses one monthly budget.

Visit Copilot Money Treasury vs Copilot Money
4. Best for: Hands-on, zero-based budgeting

YNAB

If Monarch showed you where money went but did not change your habits, YNAB’s give-every-dollar-a-job method is built to do that.

Price

$109/yr or $14.99/mo
Free option

34-day trial, no card
Platforms

Web, iPhone, iPad, Android
Bank sync

Yes, plus file import
Budgeting style

Zero-based: give every dollar a job
AI

None
Partner sharing

Yes, up to 6 people on one subscription
Pros
- A method that changes how people spend, with excellent free teaching
- One subscription covers up to six people
- Long free trial with no card needed
Cons
- Takes a few weeks to learn, credit cards especially
- Budgeting stays hands-on by design; you assign every dollar yourself
- Light on investments and net worth
Compared with Monarch Money: It costs a little more than Monarch Core and asks for more of your time. It covers up to six people on one subscription.

Visit YNAB Treasury vs YNAB
5. Best for: Free net-worth tracking

Empower

If you mostly used Monarch for net worth and investments, Empower does that part for free.

Price

Free
Free option

Yes, the dashboard is free
Platforms

Web, iPhone, Android
Bank sync

Yes, U.S. banks and brokerages
Budgeting style

Spending tracking, not budgeting
AI

None advertised
Partner sharing

No
Pros
- Free net-worth and investment tracking
- Fee analyzer and retirement planner for investment accounts
- Good if you mostly care about investments
Cons
- The free dashboard is how Empower sells paid wealth management; expect an offer to talk to an advisor
- Budgeting is basic
- Categorization needs more manual fixing than paid apps
Compared with Monarch Money: It is free, but budgeting is basic and Empower will try to sell you wealth management.

Visit Empower
6. Best for: Free and private

Actual Budget

An open-source envelope budgeting app you can run yourself. Your data stays on your own server.

Price

Free, open source
Free option

Yes, free forever
Platforms

Web, desktop; runs on your own server or a host
Bank sync

Optional via SimpleFIN (about $15/yr in North America)
Budgeting style

Envelope budgeting, YNAB-style
AI

None
Partner sharing

Yes, anyone with access to your server
Pros
- Free, and your data stays on a server you control
- Envelope budgeting close to YNAB’s method
- Optional end-to-end encryption
Cons
- You host it yourself, or pay a host such as PikaPods
- Automatic bank sync needs a paid third-party connector
- No native phone apps; it runs in the browser
Compared with Monarch Money: It is free, but you trade Monarch’s convenience for setup: hosting, plus a paid connector if you want bank sync.

Visit Actual Budget
7. Best for: Multiple currencies

Lunch Money

If you hold money in more than one currency or bank outside the U.S. and Canada, Lunch Money handles it natively.

Price

$100/yr or $10/mo
Free option

30-day trial
Platforms

Web; mobile apps
Bank sync

Yes, U.S., Canada and much of Europe
Budgeting style

Category budgets
AI

None advertised
Partner sharing

Yes, collaborators
Pros
- Handles several currencies natively
- Public developer API for people who build their own tools
- Independent and ad-free
Cons
- Built for the web first; the mobile apps do less
- Rewards hands-on setup more than it automates
- Costs more than Copilot on the annual plan
Compared with Monarch Money: It is independent and has a developer API, but the mobile apps do less than Monarch’s.

Visit Lunch Money
8. Best for: Spreadsheet lovers

Tiller

Tiller feeds your transactions into Google Sheets or Excel daily, and you build the budget however you like.

Price

$99/yr
Free option

30-day trial
Platforms

Google Sheets or Microsoft Excel
Bank sync

Yes, daily feeds into your spreadsheet
Budgeting style

Whatever your spreadsheet does
AI

None advertised
Partner sharing

Yes, share the spreadsheet
Pros
- Your finances in a spreadsheet you fully control
- Templates for budgets, net worth and debt payoff
- Nothing is hidden behind an app’s design
Cons
- You build and maintain the budget yourself
- No real mobile app
- Costs the same as the polished apps
Compared with Monarch Money: It costs about the same as Monarch Core, but you maintain the budget yourself.

Visit Tiller

Bring your Monarch history with you.

Treasury reads Monarch’s own export — transactions and balance history — so the years you spent tagging and categorising come with you. Nothing is retyped and nothing is left behind.

Connect your accounts

Link your banks and cards first, so Treasury is live from day one.
Export from Monarch, upload the file

Monarch’s transactions CSV, plus its balance history file for the net-worth chart.
Keep your categories

Yours are listed next to Treasury’s, and you pick which to keep.
Review, then confirm

You see everything before it is written, and nothing lands twice.

Import your data from Monarch

How we chose

We started from what Reddit threads and reviews name when people ask for a Monarch replacement. Then we kept apps that are actively maintained, sold in the U.S. and cover a reason people leave. We left out Mint, which shut down in 2024.

We checked every price, platform and feature on the product's own site on September 18, 2026. This is a documented-feature comparison, not a hands-on test of each app with your bank. Treasury publishes this page and sells one of the products on it.

Monarch Money alternatives: questions

What is the best free alternative to Monarch Money?

Empower is free for net-worth and investment tracking, but its budgeting is basic. Actual Budget is free and open source with envelope budgeting, but you host it yourself and pay a connector for bank sync. Rocket Money and EveryDollar also have free plans with lighter features.

What is the cheapest Monarch Money alternative?

Among full-featured paid apps, Quicken Simplifi is cheapest: $3.99 a month billed annually in the first year, then $6.99 a month. Treasury costs $95 a year and Copilot $95, against Monarch Core’s $99.99.

Which Monarch alternative has the best AI?

Treasury is built around an AI money coach that answers from your connected accounts. On TreasuryBench, our 59-question advice benchmark, it scored 95 to Monarch’s 53. We make Treasury and run the benchmark; the method and answers are public at treasury.sh/benchmarks.

Which Monarch alternative is best for couples?

YNAB covers up to six people on one subscription, and Lunch Money lets you invite collaborators. Treasury does not have a shared partner login yet, so if that is essential, YNAB fits better, or stay with Monarch, which includes a partner login.

Can I move my data from Monarch?

Monarch lets you export transactions and balance history as CSV files. Treasury imports Monarch’s export directly, categories included. Most other apps here accept a generic CSV.

Is there a Monarch alternative for Canada or Europe?

Lunch Money connects banks in Canada and much of Europe and handles multiple currencies. Actual Budget works anywhere if you are happy to import files or use a regional connector. Treasury supports U.S. banks only.