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Best Monarch Money alternatives in 2026

Monarch Money is hosted budgeting app with account sync and investment tracking. These 5 alternatives come from the same rankings, ordered by editorial score. Connected products carry a small, disclosed lift.

5 alternatives From best budgeting apps How we rank

Ranked alternatives

  1. 1

    YNAB

    Zero-based envelope budgeting with bank connections, debt planning and subscription sharing, on web, iOS and Android. It is subscription-only after a 34-day trial, and the method takes time to learn.

    Best for Envelope budgeting with a hands-on plan

    WebiOS, iPadOSAndroidSubscription

    91.0of 100
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  2. 2

    Actual Budget

    Has a free option; is open source; also runs on Windows, macOS, Linux. Free, MIT-licensed envelope budgeting app with desktop apps and a server for syncing and bank connections. It needs a server for full sync, and phone use runs through a browser.

    Best for Free self-hosted envelope budgeting

    WindowsmacOSLinuxWebSelf-hostedFree and open sourceOpen source

    86.0of 100
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  3. 3

    Copilot Money

    Also runs on macOS. Automatic transaction categorization on iPhone, iPad, Mac and the web, with budgets and net worth in one app. It has no Android app, and the subscription follows a one-month trial.

    Best for Apple users who want automatic categories

    WebiOS, iPadOSmacOSSubscription

    84.0of 100
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  4. 4

    Simplifi by Quicken

    A spending plan that updates with transactions, with savings goals, cash-flow projections and a retirement planner. It is a paid subscription with no open-source or self-hosted option, and it suits spending plans more than envelopes.

    Best for Spending plans with goals and cash-flow views

    WebiOSAndroidSubscription

    81.5of 100
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  5. 5

    Firefly III

    Has a free option; is open source. A free, open-source double-entry ledger that you run on your own server with Docker or a self-managed install. It rewards accounting-minded users, but setup, backups and upgrades are the owner's job.

    Best for Self-hosted double-entry bookkeeping

    WebSelf-hostedFree and open sourceOpen source

    79.0of 100
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Narrow the alternatives

Free alternatives to Monarch Money

Open-source alternatives to Monarch Money

Monarch Money alternatives for macOS

About Monarch Money alternatives

What is the best alternative to Monarch Money?
On listme.name the highest-scored alternative is YNAB, followed by Actual Budget. The right choice depends on price, platform and whether you need open source.
Is there a free alternative to Monarch Money?
Yes. Free options include Actual Budget, Firefly III.