The best Monarch Money alternatives in 2026
Monarch Money scores 9.1 and ranks #1 in Money & Investing. It's not for everyone: skip it if you want a free app or a strict zero-based budgeting method. Here's every alternative we rank, and exactly where each one is stronger or weaker.
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- Weaker design -0.5
Best for: People who want to break the paycheck-to-paycheck cycle with a hands-on method
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- Worse value -0.7
- Fewer features -0.6
Best for: iPhone and Mac users who want a polished, low-effort spending tracker
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- Less private -1.0
- Fewer features -0.8
- Better value +0.7
- Weaker design -0.6
Best for: Travelers, expats and freelancers who send or receive money across borders
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- Less private -1.8
- Weaker design -0.7
- Slower -0.4
Best for: Frequent travelers who want one app for spending, saving and currency exchange
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- Fewer features -1.6
- Weaker design -1.4
- Better value +1.3
- More private +0.8
Best for: Dividend and long-term investors who want a private, free portfolio view
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- Fewer features -1.7
- Weaker design -1.5
- Better value +1.3
- Slower -0.8
Best for: Budgeters who want a free, private app and don't mind importing statements
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- Less private -2.6
- Fewer features -0.9
- Slower -0.5
Best for: Self-directed investors who want a fast, simple brokerage app
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8
Empower Personal Dashboard
Free net worth and retirement tracking across accounts 8.2 -0.9 vs Monarch Money- Less private -2.4
- Weaker design -1.2
- Slower -1.0
- Fewer features -0.9
Best for: Investors who want a free, big-picture view of net worth and retirement
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- Less private -2.2
- Fewer features -1.2
- Weaker design -1.0
- Slower -1.0
Best for: People who suspect they are paying for subscriptions they no longer use
Still deciding on Monarch Money?Read our full review, pros and cons.