Wealtie vs Monarch: Monarch or Wealtie? The honest version.
Both help you see where your money goes. They disagree on whether your bank should be involved, and on what a budget is for. Here is each on the same six questions, from Monarch’s own website.
| Feature | Wealtie | Monarch |
|---|---|---|
| Free plan | Yes, with no time limit and no card | No. The first week is free |
| Paid plan | Pro: $5.99/month, $34.99/6 months or $59.99/year | Subscription only — see monarch.com/pricing for current prices |
| Bank connection | Never. You log what you spend; nothing is imported | Built around syncing; manual accounts and CSV import are also supported |
| Multiple currencies | 68, each account in its own, totals converted at each day's rate | Shown with $ only; no currency conversion, so USD or CAD accounts are recommended |
| Sharing | Share one account with roles (Pro, for the owner); whoever accepts joins on any plan | Household members on one subscription, at no extra cost |
| Platforms | iPhone and Android | iPhone, Android and web |
Checked 4 October 2026 against each app’s own website. Prices in US dollars; they can vary by country.
Which one fits you
Monarch is a good app. Whether it's the right one depends on a few things only you know.
Choose Monarch if
- You want every account, investments included, synced automatically.
- Your money is in US dollars or Canadian dollars.
- You want a web dashboard as well as the phone apps.
Choose Wealtie if
- You don't want to connect a bank, or you live where syncing isn't available.
- Your accounts are in more than one currency — Wealtie supports 68 and converts between them.
- You want a free plan rather than a trial.
- You want a budget you keep month after month, with a streak that counts it.
What people switch for
- Budget Health
- Where this month's pace ends, said while there's still most of the month left.
- Two streaks
- One for months inside the budget, one for months the income goal was reached.
- An income goal
- A target to reach, separate from the limit, built for income that moves.
- 68 currencies
- Each account in its own, one total in yours, on the free plan.
What people ask when they compare
Yes. Wealtie has a free plan with no time limit; Monarch is a paid subscription after its first free week. Wealtie Pro, which lifts the free plan's limits, is $5.99 a month or $59.99 a year.
Yes, 68 of them. Each account keeps its own currency, a purchase can be logged in whatever it was priced in, and totals are converted into the currency you choose at each day's rate. Monarch's help centre says it shows everything with $ and doesn't convert between currencies.
No, by design. Wealtie never asks for a bank login. You add accounts with their current balance and log what moves, which works in every country and counts cash the same as a card.
Run both for a month. Keep the one you open.
Wealtie's free plan has no time limit, so there's no clock on the comparison. Add an account, set a budget and see which app you still open on the 16th.
