A Monarch Money alternative that's free to start
Monarch is the polished Mint successor — if you live in the US or Canada, link your banks, and pay $99.99 a year. moniya keeps the core free, captures expenses in any country and language, and treats multi-currency as a feature, not a footnote.
moniya vs Monarch Money, feature by feature
| Feature | moniya | Monarch Money |
|---|---|---|
| AI receipt scanning | YesAny language or currency; line items extracted | NoAttachments only — no data extraction |
| Voice expense entry | YesSay it out loud — moniya drafts the transaction | No |
| Review before anything posts | YesNothing posts without your approval | PartialSynced transactions post, with an optional review flag |
| Multi-currency | Yes18 currencies with a two-currency display toggle | NoUSD/CAD display only, no conversion |
| Exchange rates frozen at spend time | YesThe rate at spend time, forever — history never drifts | No |
| Net worth tracking | Yes | Yes |
| Asset tracking | Yes | YesManual assets and home value |
| Budgets | Yes | YesFlex or category budgets |
| Saving goals | Yes | Yes |
| Recurring bills | Yes | Yes |
| Automatic bank sync | NoAI capture instead — works in any country, any bank | Yes13,000+ US and Canadian institutions |
| CSV export | YesYour data is yours, anytime | Yes |
| Free plan | YesFree forever, incl. 50 AI captures a month | No7-day trial |
| Web app | Yes | Yes |
| iOS app | Yes | Yes |
| Android app | Yes | Yes |
| Desktop app (macOS / Windows) | YesmacOS and Windows | No |
Pricing
moniyaFree forever
Tracking costs nothing. Pro removes the AI ceiling.
$0to track everything
- Unlimited accounts and transactions
- Budgets, saving goals, and recurring bills
- Multi-currency with frozen at-the-time rates
- Reports, net worth, and CSV export
- 50 AI captures a month — scan or voice
Pro — unlimited AI
- Unlimited receipt scans and voice memos
- AI insights on your reports
No card required.
Monarch Money
No free plan — trial, then paid.
Core$99.99/yr
- Or $14.99 billed monthly
- Bank sync, budgets, investments, net worth
- 7-day free trial
Plus$199/yr
- Annual billing only
- Long-term planning and projection tools
- Aimed at power users and small-business finances
Prices verified July 2026 on monarch.com.
Why people switch
Free core, not a $100 gate
Monarch's cheapest way in is $99.99 a year after a 7-day trial. moniya's ledger, budgets, goals, net worth, and reports are free forever, with 50 AI captures a month included.
Works outside the US
Monarch's sync covers US and Canadian institutions and treats every amount as dollars — no conversion, no other currencies. moniya captures spending anywhere: 18 currencies, any language on the receipt, rates frozen at spend time.
Capture without a bank feed
Monarch is built on top of bank connections; cash and foreign spending fall through the cracks. moniya's AI drafts transactions from a receipt photo or a spoken sentence — and nothing posts until you approve it.
The honest verdict
Monarch Money is probably the best pure Mint successor for a US household with linked banks and $100 a year to spend — its investment tracking is real, and moniya doesn't compete there. But its worldview is US bank feeds in US dollars. If you want a free core, spend in more than one currency, or live anywhere Plaid doesn't reach, moniya's capture-and-approve model simply fits better.
Frequently asked questions
Is moniya really free?
Yes — the ledger, budgets, saving goals, recurring bills, reports, net worth, and CSV export are free forever, and every month includes 50 AI captures (receipt scans or voice memos). Pro removes the AI ceiling with unlimited captures and AI insights on your reports.
Does Monarch Money work outside the US?
Not really. Monarch's bank connections cover US and Canadian institutions, and the app displays everything as dollars without converting between currencies — Monarch itself recommends against mixing currencies. If your money lives in euros, pounds, yen, or several at once, it isn't built for you.
Can moniya track my investments like Monarch?
Honestly, no — not the way Monarch does. Monarch syncs brokerage accounts and charts holdings against the market. moniya tracks accounts and assets as part of your net worth, but it doesn't connect to brokerages or chart performance. If investment dashboards are your main use case, Monarch is stronger there.
Does moniya connect to my bank?
No, by design. moniya uses AI capture instead of bank sync — scan the receipt or say the expense out loud, review the draft, approve it. It works with any bank in any country, and you see everything before it posts.
Who should stick with Monarch Money?
US or Canadian households whose money flows through linked banks and brokerages, who want automatic feeds and investment dashboards, and who are happy paying $99.99 a year for it. Monarch is a genuinely good Mint successor for that profile — this comparison is about everyone it leaves out.
Related comparisons
Try a free tool
Switching is a 2-minute setup
Create a free account, snap your first receipt, and approve the draft — no import project, no card, no commitment.
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