Monarch Money alternatives
Six alternatives, two of them budgeting apps and four that are not, with the facts and a plain line on who should pick which.
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about kubera
about kubera
Monarch is a good budgeting app, so the reason to look past it is usually not that it is bad. It is that your money has outgrown a budgeting app: accounts in two countries, holdings on exchanges Monarch does not read, a fund commitment, a currency it cannot convert. Here are six alternatives, including two that are budgeting apps and four that are not, with the facts and a plain line on fit.
Before the list, the two reasons people most often give for leaving Monarch, from its own help centre: it supports US dollars and Canadian dollars only and performs no currency conversion, so a ¥1,000 transaction shows as $1,000; and it prices only US-listed securities, with no historical performance for non-public holdings. If neither affects you, Monarch may still be the right app and the question is only price.
A net-worth tracker rather than a budgeting app: every asset and debt, connected at 20,000+ institutions in 40+ countries, any currency, crypto exchanges and wallets, private investments with capital-call schedules, documents, a daily history and a read-only connection to ChatGPT or Claude.
A fast, well-designed budgeting app for iPhone, iPad, Mac and web, with investment and crypto views. US institutions and US dollars only; no Android app.
The old Personal Capital: a free net-worth and investment dashboard for US institutions, paid for by Empower’s wealth-management service (0.89% of assets a year up to $1M). Expect an adviser call.
A budgeting and forecasting app with bank feeds in the US, Canada, UK, Europe, Australia and New Zealand, which converts every account into one base currency.
The envelope-budgeting app. Strong on method, light on net worth and investments; YNAB recommends a separate budget for each currency.
Google Sheets or Excel, with GOOGLEFINANCE for share prices and FX and Tiller for daily US balances. Entirely yours; entirely maintained by you.
Facts checked on 5 October 2026. Competitor prices and limits come from their own sites where they publish them; where they do not, the page says who reported the figure.
| Kubera | Copilot | Empower | PocketSmith | YNAB | Spreadsheet | |
|---|---|---|---|---|---|---|
| Price | $250 / yr | $95 / yr | Free (adviser-funded) | From $120 / yr | $109 / yr | Free; Tiller $99 / yr |
| Budgeting | No | Yes | Basic | Yes | Yes | If you build it |
| Outside the US | 40+ countries | No | No | US, CA, UK, EU, AU, NZ | No feeds | Manual |
| Currencies | Any, converted | USD | USD | Converted to one base | One per budget | Your formulas |
| Crypto | 20+ exchanges, 18 chains, DeFi | 5 exchanges, BTC/ETH addresses | Manual quantity | Manual | Manual | Partial, unofficial |
| Private investments | Schedules, IRR, documents | Manual value | Manual value | Manual value | Manual value | XIRR by hand |
| Android | Web app | No | Yes | Yes | Yes | Yes |
Monarch Core is $99.99 a year and Plus is $199. Copilot is $95, YNAB $109, PocketSmith from about $120, Empower free, a spreadsheet free. Kubera is $250. If you are leaving over price alone and your needs fit a budgeting app, Copilot or PocketSmith is the straight swap. Kubera costs more because it does a different job; it is only the cheaper choice when it replaces a budgeting app plus a portfolio tracker plus a crypto tracker plus the sheet.
The common thread in Kubera’s reviews from former Monarch users is that budgeting apps do the month well and the balance sheet badly: investments are a list of balances, anything non-US is wrong or missing, crypto is one exchange, private holdings are a number you typed. Kubera starts from the balance sheet. If that is the gap you hit, it is the alternative built for it, and you can keep a budgeting app alongside for the month.
“I have previously tried products such as Monarch, but while they do better on budgeting, they're terrible at investments.”
“As a former Mint user, I tried Monarch and several other options, but found most were geared toward budgeting, cluttered with ads, or plagued by unreliable connections.”
“Budgeting apps are great for managing day to day behavior, but they rarely capture the bigger picture. Kubera fills that gap by focusing purely on net worth, asset allocation, and long term tracking.”
