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Finance · 11 alternatives

Instead of Monarch Money, try one of these 11.

Every alternative is lined up against Monarch Money on what people actually switch for: price, open source, self-hosting, offline use and platforms. Monarch Money sits in the first row, so you can see what you give up.

Show onlySorted by likes · 11 of 11
Alternative
Price
Open source
Self-host
Offline
Platforms
Monarch MoneyWhat you have now
Modern budgeting and net-worth tracking, Mint-style.
PricePaid
$15/mo
Open sourceNo
Self-hostNo
OfflinePartial
Platforms
Web · iOS · Android
YNAB#1
Zero-based budgeting that gives every dollar a job.
PricePaid
$15/mo
Open sourceNo
Self-hostNo
OfflinePartial
Platforms
Web · iOS · Android
Actual Budget#2
Open-source, self-hosted envelope budgeting.
PriceFree
Open sourceYes
Self-hostYes
OfflineYes
Platforms
Web · Mac · Win · Linux
Firefly III#3
Self-hosted personal finance manager.
PriceFree
Open sourceYes
Self-hostYes
OfflineNo
Platforms
Web
GnuCash#4
Double-entry accounting for personal and small business.
PriceFree
Open sourceYes
Self-hostNo
OfflineYes
Platforms
Win · Mac · Linux
HomeBank#5
Free desktop money manager with budgets, reports and bank imports.
PriceFree
Open sourceYes
Self-hostNo
OfflineYes
Platforms
Win · Mac · Linux
MoneyManager Ex#6
Cross-platform finance tracker for accounts, budgets and spending.
PriceFree
Open sourceYes
Self-hostNo
OfflineYes
Platforms
Win · Mac · Linux · Android · iOS
Buxfer#7
Online money manager with shared expenses and bill splitting.
PricePaid
Open sourceNo
Self-hostNo
OfflinePartial
Platforms
Web · iOS · Android
PocketSmith#8
Cash-flow forecasting across banks, with multi-currency budgets.
PriceFreemium
Open sourceNo
Self-hostNo
OfflinePartial
Platforms
Web · Win · Mac · Linux · iOS · Android
Rocket Money#9
Finds and cancels subscriptions, then tracks your spending.
PriceFreemium
Open sourceNo
Self-hostNo
OfflinePartial
Platforms
Web · iOS · Android
Lunch Money#10
Simple multicurrency budgeting web app for modern spenders.
PricePaid
Open sourceNo
Self-hostNo
OfflinePartial
Platforms
Web · iOS · Android
Quicken Simplifi#11
Quicken's subscription budgeting app for spending and savings goals.
PriceFreemium
Open sourceNo
Self-hostNo
OfflinePartial
Platforms
Web · iOS · Android

How to read this. “Yes” means fully supported by the maker. “Partial” means it works with caveats. Likes reflect community popularity; vendors can’t pay for them or for placement. How we compare.

Monarch Money alternatives at a glance

Monarch Money is a paid finance app ($15/mo). We compared 11 alternatives: 5 are open source, 5 are completely free, 2 can be self-hosted and 4 work fully offline. The most popular is YNAB, with 820 likes.

Most liked overallYNAB

Zero-based budgeting that gives every dollar a job.

Paid
Best free optionActual Budget

Open-source, self-hosted envelope budgeting.

Free · Open source · Self‑hostable · Works offline
Best open-source optionFirefly III

Self-hosted personal finance manager.

Free · Open source · Self‑hostable
Best for offline useGnuCash

Double-entry accounting for personal and small business.

Free · Open source · Works offline

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