Monarch vs. YNAB

Go beyond budgeting with Monarch

Monarch's all-in-one money management platform helps families track their entire financial picture and plan for their future. Join thousands of others switching to Monarch, the best YNAB alternative.

Monarch for Web and Mobile

How is Monarch different?

Monarch
You Need a Budget
All-in-one money management
Monarch isn't just a budgeting app, it's a complete money management platform that helps you see your entire financial picture in one place.
Budgeting
YNAB is a budgeting tool that focuses on helping people spend less than they make every month.
Recurring expense detection
Get clarity on where you're spending your money by automatically detecting your recurring bills and subscriptions. Get notified before you're billed next, cancel what you no longer need.
No recurring detection
YNAB does not automatically identify your subscriptions, making it harder to find and cancel unwanted recurring expenses.
Powerful investment tools
Monarch tracks all of your investment holdings in all of your accounts, so you can analyze your entire portfolio's performance and allocation.
No investment tracking
YNAB can track your account balances, but does not track your investment holdings.
Long-term planning
Monarch helps you generate a financial plan that stretches years into the future. This helps you effectively plan for your larger financial goals and chart a path to retirement.
Short-term budgeting
YNAB focuses on budgeting the money you currently have so you don't overspend.
Vote on our product roadmap
We let our users vote on the features they want us to build next. We use this information to define our product roadmap to ensure we're always building the best product for our customers.
Public roadmap
YNAB does highlight what features are upcoming, but doesn't let users suggest new ideas or vote on anything.
Modern, intuitive design
Monarch has a beautiful, intuitive, and clean design across web and mobile. We obsess over the details to make sure every piece of the product is easy to use.
Outdated design
YNAB's complicated interface requires a lot of time and effort to learn and navigate.
Monarch
All-in-one money management
Monarch isn't just a budgeting app, it's a complete money management platform that helps you see your entire financial picture in one place.
Recurring expense detection
Get clarity on where you're spending your money by automatically detecting your recurring bills and subscriptions. Get notified before you're billed next, cancel what you no longer need.
Powerful investment tools
Monarch tracks all of your investment holdings in all of your accounts, so you can analyze your entire portfolio's performance and allocation.
Long-term planning
Monarch helps you generate a financial plan that stretches years into the future. This helps you effectively plan for your larger financial goals and chart a path to retirement.
Vote on our product roadmap
We let our users vote on the features they want us to build next. We use this information to define our product roadmap to ensure we're always building the best product for our customers.
Modern, intuitive design
Monarch has a beautiful, intuitive, and clean design across web and mobile. We obsess over the details to make sure every piece of the product is easy to use.
You Need a Budget
Budgeting
YNAB is a budgeting tool that focuses on helping people spend less than they make every month.
No recurring detection
YNAB does not automatically identify your subscriptions, making it harder to find and cancel unwanted recurring expenses.
No investment tracking
YNAB can track your account balances, but does not track your investment holdings.
Short-term budgeting
YNAB focuses on budgeting the money you currently have so you don't overspend.
Public roadmap
YNAB does highlight what features are upcoming, but doesn't let users suggest new ideas or vote on anything.
Outdated design
YNAB's complicated interface requires a lot of time and effort to learn and navigate.
4.9
25,000+ reviews

The money app everyone is talking about

“Monarch Money is the best overall budget app for 2024. It's the best for anyone looking to cut expenses and increase savings—especially couples or families.”

“I looked at Monarch Money, NerdWallet, Rocket Money, Quicken Simplifi, and YNAB (You Need A Budget). My top pick? Monarch Money. Monarch is more than just a budgeting app. It provides everything you need to manage your personal finances.”

“Monarch Money has become one of the most hyped-up Mint alternatives among Reddit users since Mint is set to shut down in 2024.”

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“Looking for a mint alternative? THIS IS IT! I wish I switched a long time ago. It does everything mint couldn't. Layout is amazing. Totally and completely worth the money!”

Evan J.
App Store
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“It's beautifully designed and it just works, as advertised; Significantly fewer syncing issues than it's competitors.”

Stephen C.
App Store
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“I tried YNAB, I tried Mint, I use Monarch. So much more intuitive and the UI/UX is delightful.”

Joshua W.
App Store
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“I love monarch! Especially the cash flow and plan pages. I’ve already recommended it to several friends!”

Leisha L.
App Store
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“Monarch is an elegant way of keeping track of my finances. I can make changes on my Android and they're instantly viewable on my Mac.”

Enrique K.
App Store
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“The intuitive dashboard and cash flow trackers are simple to navigate. The planning tool is awesome. Love this tool!”

Danica E.
App Store
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“Excellent interface, super easy to use. By far the best money management and planning app I've used.”

Paul W.
App Store
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“Moved here from Mint, and wish I had done so years ago. Monarch is what Mint should have been. I'm way more satisfied with Monarch than I ever was with Mint.”

Kate R.
App Store

Make the switch from You Need a Budget to Monarch

Monarch is a rapidly growing platform that brings together everything you need to improve your financial health. Join thousands of families using Monarch to achieve financial wellness.

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