If you want a Monarch Money alternative that never asks for your bank login, this page puts the two apps side by side. We make one of them, Wealth Mutant. Every fact about Monarch here comes from Monarch's own website and help centre, checked on 3 October 2026.
Both are personal finance apps that gather your money into one picture. Wealth Mutant shows your budgets, every card and loan, and your net worth, then where your current pace leads 10, 20 and 30 years out. A 9-level path runs through it, from knowing your numbers to not needing to work.
The real difference is how the numbers get in. Monarch connects to your bank accounts and fills itself in. In Wealth Mutant you record each purchase yourself, which takes a few seconds. That daily moment is the idea behind Kakeibo, a Japanese way of keeping a written record of every purchase: putting it down is what makes you notice where your money goes. It also means you never share a bank password, and no outside company sits between you and your bank.
Monarch and Wealth Mutant, side by side
Monarch's column uses its own words where it can. Prices are as of 3 October 2026.
| Wealth Mutant | Monarch Money | |
|---|---|---|
| How spending gets in | You record it yourself, in a few seconds | Synced from your accounts through Plaid, Finicity or MX; you can add entries by hand too |
| Bank linking | Never: the app has no way to connect to a bank | The heart of the app, with "13,000+ financial institutions" |
| Where it works | Not tied to a country: pick your home currency from more than 150, and hold other currencies at rates you set | "Currently only available in the US and Canada", with USD or CAD accounts |
| Price | One payment (see pricing) | Core $99.99 a year, Plus $199.99 a year |
| Platforms | Installs from the browser on Android, iPhone, iPad and desktop; no app store | Web, plus iOS and Android apps |
| Budgets | Per category, or 3 flex buckets (Fixed, Flex, Non-Monthly), with optional rollover | Category budgets, or flex budgets with fixed, flexible and non-monthly buckets; rollovers |
| Cards and loans | Each card's statement day and due day; each loan's schedule, with a prepayment simulator | Synced as accounts; a goal can track paying one down |
| Net worth | The dashboard's main number, with metals and crypto at rates you set (no market prices fetched) | Synced accounts and investments, plus home values from Zillow Zestimates |
| Looking ahead | Where your pace leads in 10, 20 and 30 years, and a 9-level path | Goals, plus forecasting tools on the Plus plan |
| Two people | One shared account today | "Invite your partner" at no extra cost |
| Your data out | Transactions as CSV, or everything as a ZIP | CSV of transactions and balances, "even after your subscription or trial ends" |
| Best for | The whole picture, built from what you record, wherever you live | Every account synced automatically, in the US or Canada |
Where Monarch is the better choice
Monarch is built for people who would rather not type anything in, and it does that job well. It connects to more than 13,000 financial institutions through 3 data providers (Plaid, Finicity and MX), sorts transactions into categories, and spots recurring bills and subscriptions on its own.
It suits couples who want a login each: you can invite a partner at no extra cost. In Wealth Mutant today, two people share one account.
It also goes deeper on investments. Monarch syncs holdings such as stocks, funds, retirement accounts and crypto, and can add a home's value from Zillow. Wealth Mutant records the money you add and withdraw, and you update an investment's value yourself.
And Monarch has apps in the App Store and Google Play. Wealth Mutant installs from your browser instead.
Where Wealth Mutant is the better choice
If you live outside the US and Canada. Monarch's help centre says it "is currently only available in the US and Canada" and that it "does not perform any currency conversion". Wealth Mutant has no bank to connect to, so where you bank doesn't matter. You pick your home currency, and an account held in another currency, in grams of gold or in crypto converts into one net worth at the rate you set.
If you want to see where it all leads. Net worth is the first number on your dashboard. Future Self shows where your current pace takes it over the next 10, 20 and 30 years. On the Mutation Path, the app reads your own numbers, tells you which of 9 levels you're on, and shows what the next one asks of you.
If you want your cards and loans worked out from your own entries. Each card knows its statement day and its due day, so you see what's been billed and when it's due. Each loan carries its schedule, and the prepayment simulator shows what paying extra would save you.
If you like knowing where every purchase went. Recording one takes a few seconds: tap +, type the amount (the field does sums for you), pick a category. One-tap bookmarks cover the purchases you repeat, and bills that repeat post on their own dates. Because nothing links, you never hand over a bank password, and what we store is what you typed.
If you'd rather pay once. You buy Wealth Mutant one time and keep it, with core updates included for as long as the app exists.
What it costs
Monarch sells two yearly plans: Core at $99.99 a year and Plus at $199.99 a year, as its pricing page showed on 3 October 2026. Its help centre says a subscription renews until you cancel it. At today's price, 5 years of Core comes to $499.95.
Wealth Mutant is one payment, with nothing to renew. The price for your country is on our pricing page, and the refund policy and the terms have the details.
Bringing your Monarch history over
Moving takes one export from Monarch and one import here, with your AI assistant doing the conversion in between.
Download your history from Monarch
In Monarch on the web, open Settings, then Data, and choose Download Transactions. You get one CSV file with every transaction from every account. Monarch's help centre says this works even after your subscription ends.
Let your AI assistant convert it
Copy the conversion prompt from Wealth Mutant's import page and paste it, with your CSV, into the AI chat you normally use. It asks you one question first, what each account shows today, then hands back the filled-in workbook.
Check the preview, then import
The preview shows each account's ending balance before anything is saved. Import, and your accounts and transactions arrive together. Duplicates are skipped, and for 30 days one tap takes the whole import back out.
Budgets, goals and saved rules don't come across, so you set those up fresh. A loan arrives as the amount you owe; switch it to Scheduled, and from the rate and term it calculates each instalment, the interest inside it and your payoff date. The template workbook guide has every detail.
As a personal finance app, Wealth Mutant gives you the whole picture, from your budgets and cards to where your money is heading. It's built from a few seconds of recording each day, without ever handing over a bank login, and you pay once.
See where your money is heading, without a bank login.
Budgets, cards, loans and net worth in one place, filled in by you in seconds. One payment, and every core update is included for as long as the app exists.
or try it free for 7 days · no card neededBuying after a trial is final; buying without one has a 7-day refund.
Walk the tour to see every screen before you decide. For a longer look at how the two apps think about money, read Wealth Mutant vs Monarch Money.