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My AI Fin App vs Monarch Money
The polished all-in-one for accounts, investments, and shared households.
Monarch is the app most people moved to when Mint shut down: accounts, investments, budgets, goals, and a partner login, in a very polished package at a premium price. Here's where we differ.
Facts about Monarch Money checked September 2026 from the sources below. If something is out of date, tell us.
Price
My AI Fin App
Free for everything you enter by hand. Pro is $5.99/mo or $49/yr for bank sync, and free during early access.
Monarch Money
$14.99/mo or $99.99/yr for Core. A Plus plan is $199/yr. 7-day free trial, no free tier.
Free tier
My AI Fin App
Yes. Unlimited, no ads, not a trial.
Monarch Money
No. Trial only.
Bank sync
My AI Fin App
Pro, through Plaid, refreshed nightly. Manual entry is a full path.
Monarch Money
Included in the subscription.
Apple Card
My AI Fin App
Yes, Pro. The iPhone app reads Apple Card, Apple Cash and Apple Savings from Wallet through Apple's FinanceKit, with no bank login, and updates each time you open it.
Monarch Money
Yes, through Apple's FinanceKit in the iPhone app. Monarch was a launch partner in 2024.
Debt payoff
My AI Fin App
The center of the app: snowball and avalanche side by side, extra payments that roll over, planning payments that actually shrink card balances, and a warning when a payment can't cover its own interest.
Monarch Money
Debts show in net worth and can be set as goals; budgeting comes first.
Investments
My AI Fin App
Holdings from synced brokerage and retirement accounts: shares, price, value and gain against cost. No performance or allocation analysis.
Monarch Money
Holdings, allocation, and performance tracking.
Households
My AI Fin App
Free, with owner, member, and viewer roles. Every member's bank connections feed one picture.
Monarch Money
Partner access included.
Net worth
My AI Fin App
Recorded daily with milestones.
Monarch Money
Net worth over time with account breakdowns.
AI assistants
My AI Fin App
Connect Claude, ChatGPT or Cursor to your own data. The app does the math; the assistant explains it. Read-only by default, revoke any time.
Monarch Money
A built-in assistant and a weekly recap inside Monarch. No connection to an outside assistant: Monarch has an assistant inside Monarch; ours lets the assistant you already use read your numbers.
Privacy
My AI Fin App
No ads, no data selling. Revenue is Pro subscriptions.
Monarch Money
No ads; subscription-funded.
Pick Monarch Money if
- You want investment holdings and performance in the same app.
- You want the most polished all-in-one and the price is not a concern.
- You are replacing Mint and want the closest thing to it.
Pick My AI Fin App if
- Debt is the problem you are solving and you want a date.
- You want a real free tier, not a seven-day trial.
- You want Spanish or French.
How we make money
Pro. $5.99 a month, or $49 a year, for automatic bank sync. That is the whole list. Everything you can type in by hand is free for as long as you use it, with no ads, no offers and no selling your data, ever.
- No ads
- No "recommended" offers
- No data sold
- No credit card to start
Sources
Other comparisons
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Fifteen minutes to the full picture.
Connect a bank or type in a few balances. Net worth, budget, spending, your debt-free date and alerts: free to start, with nothing to sell you.
No credit card. No ads. Your data is never sold. Pro is free during early access.