Monarch Money vs Tricount
Which is better in 2026? Five scores, side by side.
Monarch Money is the better app overall, scoring 9.1 to 8.4. Monarch Money wins on 4 of the 5 scores, Tricount on 1.
Couples and families who want one shared view of all their money
Friends, roommates and couples who share costs and want it simple
Score by score
The details
| Feature | Monarch Money | Tricount |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #1 of 12 | #9 of 12 |
| Developer | Monarch Money, Inc. | bunq |
| Pricing | Subscription | Free |
| Usable for free | No | Yes |
| iPhone & iPad | ✓ | ✓ |
| Android | ✓ | ✓ |
| Web | ✓ | — |
Common questions
Is Monarch Money better than Tricount?
Monarch Money is the better app overall, scoring 9.1 to 8.4. Monarch Money wins on 4 of the 5 scores, Tricount on 1.
Which is cheaper, Monarch Money or Tricount?
Monarch Money: 7-day free trial, then $14.99/month or $99.99/year; Monarch Plus is $199.99/year. Tricount: Free and unlimited, with no subscription, ads or daily expense cap. On value for money, Tricount scores higher.
Do Monarch Money and Tricount work on the same devices?
Only Monarch Money runs on Web.
Which is more private, Monarch Money or Tricount?
Monarch Money scores higher on privacy (8.6/10). App Store label links financial, contact, usage (including advertising data) and diagnostics data to you; no tracking is declared. The app has no ads, and Monarch announced SOC 2 compliance in Jan 2026.
Strengths and weaknesses
Monarch Money
- Budgets, investments and net worth live in one place
- Invite a partner at no extra cost, each with their own login
- Frequent, substantial updates, from forecasting to receipts
- No free plan once the 7-day trial ends
- Retirement planning and business tracking need the $199.99 Plus tier
- Bank sync can still break and need a manual fix
Monarch Money is the most complete money app for most households. It links bank, card, loan and investment accounts, then gives you flexible budgets, cash-flow reports, goals and a clear net worth view. Recent updates added an AI assistant, receipt scanning and forecasting, and you can invite a partner at no extra cost. The catch: there is no free plan, and retirement and business planning sit in the pricier Plus tier.
Full Monarch Money review
Tricount
- Free with no ads or daily expense cap
- Handles uneven splits and foreign currencies
- Friends can see what they owe without the app
- Promotes its owner bunq's bank account
- Identifiers are used for tracking
Tricount does one job well: keeping a group trip, a shared flat or a couple's spending fair. Everyone logs what they paid, Tricount works out who owes whom, even across currencies and uneven splits, and payment requests show who has settled. It's free with no ads or expense caps, works offline, and can import your old Splitwise groups. It belongs to the bank bunq, so expect a few nudges toward a bunq account.
Full Tricount review
