MonyaA Monarch alternative for banks and currencies Monarch doesn’t cover
Monarch is a polished money manager built around automatic bank sync, mostly for US and Canadian banks, at $14.99 a month or $99.99 a year. Monya takes the opposite approach: it never connects to your bank, so it works with any bank in any country, and you record spending by voice, screenshot or, on Android, bank notifications. There’s a free version.
Free version forever. Premium comes with a free trial.
Monya vs Monarch at a glance
| Monarch | Monya | |
|---|---|---|
| Price | $14.99/month or $99.99/year | Free version; Premium with a free trial |
| Platforms | Web, iPhone, Android | Web, iPhone, Android |
| How spending gets in | Bank sync, manual entry | Voice, screenshot, bank notifications (Android), CSV import, manual entry |
| Banks outside the US and Canada | Limited: some European banks through aggregators | Any bank |
| Several currencies | Shown in US dollars; no native multi-currency accounts | Each account in its own currency |
| Net worth and investments | Strong: synced investment accounts | Net worth with manual balances for savings, property and investments |
| Couples | Shared household, partner login at no extra cost | Family budget, one Premium covers the family |
Prices and features checked October 2026.
When Monarch is the better choice
If all your accounts are with US banks and you want investments and net worth updated automatically, Monarch does that very well. Stay with it.
When Monya fits better
- Your banks are outside the US and Canada.
- You keep money in more than one currency.
- You want to record spending in seconds by voice instead of fixing sync errors.
- You’d rather not give any app your bank login.
FAQ
Is Monya cheaper than Monarch?
Monya has a free version, and Premium costs less than Monarch and starts with a free trial.
Does Monya track investments automatically?
No. You enter balances for savings, property and investments, and Monya shows your net worth and passive income.
Does Monya work with banks outside the US?
Yes, with any bank in any country, because it doesn’t connect to banks.
Budget with any bank, in any currency
No bank login needed.
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