Looking for a Monarch Money alternative? Start with why
Monarch is a good app with a real price and a map that stops at two countries. Which alternative is right depends on whether you are leaving over the cost, the coverage, the bank connection or the currencies - and for one of those, stay where you are.
Monarch is a polished product. It has connected accounts, shared household budgeting, a clean net worth view, and people who moved there after Mint closed and stayed.
If you are searching for an alternative, one of four things is usually behind it. The right answer is different for each, and for the first one the answer is to stay.
Reason 1: you want what Monarch does, cheaperLink to this section
Monarch publishes its prices: Core at $8.33 a month, billed $99.99 a year, and Plus at $16.67 a month, billed $199.99 a year, each after a 7-day free trial.
That is the going rate for a connected budgeting app. It is not an outlier, and the cheaper options in that category - Quicken Simplifi, Rocket Money - are trading something for the price.
If connected accounts are what you are paying for, do not switch to us. Hundo has no bank connection at all. Moving here to save the subscription would cost you the feed, and you would feel that every week.
Our Mint replacement guide lists the connected apps honestly, including the ones that undercut Monarch.
Reason 2: it does not work where you liveLink to this section
This is the one most "best alternatives" lists skip.
Monarch's own download page says it is "available on web, iPhone, iPad, and Android in the United States and Canada".
Two countries. If you are anywhere else, Monarch was never on your list, whatever a review site told you. Neither were most of the apps in the same roundups, because they are built on the same US and Canadian bank feeds.
An app with no bank connection has no map to fall off. That is the whole of the difference, and it is why a tracker that never asks for a bank login is often the only serious option outside those two countries.
If that is your situation, what to do when no app supports your country is the fuller answer, including how to check any app in two minutes before you trust its marketing.
Reason 3: you do not want to hand over bank credentialsLink to this section
Some people will not share an online banking login with a third party, whatever the security page says. Others have had a feed break once too often.
That is a decision about how the data gets in, not about which app is prettier. If you are making it, the choice narrows to apps that expect you to put entries in yourself, and the whole question becomes how fast that is.
In Hundo: type the amount and pick from suggestions ranked out of your own history, photograph a receipt, forward an email receipt to your own address, import a CSV or an Excel file, or tell the assistant in a sentence. Nothing is recorded until you confirm it.
Typing and file import are free and uncapped. Photographs, forwarded email and the assistant are part of Pro.
Reason 4: your money is in more than one currencyLink to this section
If you hold two or more currencies, check any app's behaviour before you trust its totals: whether each account can keep its own currency, which rate a conversion uses, and whether last year's numbers are still converted at last year's rate.
That is where we put the work. Every account, asset and budget in Hundo keeps its own currency, in 166 of them, each transaction stores the rate for its own date, and the net worth page can tell you how much of a month's change was the market and how much was the exchange rate.
You can test the arithmetic without an account: add up a net worth across several currencies at today's rates, or see how much of an investment's return was the currency.
What you would be giving upLink to this section
Being fair about this matters more than winning the comparison.
- No connected accounts. Nothing appears by itself. You put it in, or import it.
- No automatic property or vehicle values. You set those and update them when you want to.
- Not a household-first product. Monarch is built around a shared view for a couple, and that is a real strength of it.
What you would be gettingLink to this section
- A tracker that is free forever, with nothing capped: unlimited accounts, transactions, budgets and assets.
- Every currency, each account, asset and budget in its own, with each transaction keeping the rate for its own date.
- No bank credentials anywhere, because there is no bank connection to hold them.
- Your own AI, if you want one. Hundo publishes an MCP server, so Claude, ChatGPT or another assistant can read your ledger and draft changes you confirm. That layer is pay what you want: $36 a year at the floor, $72 if you want to pick the suggested amount, or $8 a month. How it works.
The short versionLink to this section
Staying in the US or Canada, happy with connected accounts, want a shared household view? Monarch is a good product and this page is not trying to talk you out of it.
Outside those two countries, or unwilling to connect a bank, or holding more than one currency? Monarch cannot be your app, and the question was never Monarch versus us.