Monarch is a polished, bank-linked money app at $99.99 a year. If you want budgets, net worth and shared bills without connecting your bank, NetWorth+ has a free plan, and Pro costs $49.99 a year.
At a glance
Monarch and NetWorth+
In short
NetWorth+ is a cheaper alternative to Monarch Money for iPhone and Android. It tracks budgets by category, net worth, credit cards, loans and shared bills, has a free plan with no time limit, and Pro costs $49.99 a year against Monarch's $99.99. Unlike Monarch, it never connects to your bank, so it does not import transactions automatically: you add them, import a CSV, or type them to Numo or scan a receipt.
Monarch
$99.99 a year
NetWorth+ Pro
$49.99 a year
Free plan
NetWorth+ only
Bank login
NetWorth+ never asks
Compared
| Monarch | NetWorth+ | |
|---|---|---|
| Price | $99.99 a year, or $14.99 a month | Free. Pro $49.99 a year, or $7.99 a month |
| Free plan | No | Yes |
| Connects to your bank | Yes | Never |
| Imports transactions automatically | Yes | No, CSV import instead |
| Budgets and net worth | Yes | Yes |
| Partner access | Invite household members at no extra cost | Shared bills, and one account's balance read-only |
| Split bills with roommates or friends | No | Yes |
Monarch's prices are from its pricing page and its household sharing from its collaboration page on monarchmoney.com, both checked October 2026.
Being fair
Monarch is built around connecting your accounts, and it is good at it.
If you want every transaction and investment balance to arrive by itself, and a partner to see the whole picture with their own login, Monarch does that and NetWorth+ does not. That convenience is what the higher price pays for.
NetWorth+ is for people who would rather not connect their bank at all, want to split bills with people outside the household, or simply want to pay less, or nothing.
Instead of syncing
Download the month from your bank's website, import it, and approve the rows in your Financial Inbox.
Type what you spent in plain words and Numo fills in the transaction for you to save.
Take a photo and the transaction is filled in for you to check.
Everything most people need to track their money.
or $49.99 a year
Yearly works out cheaper.
Sign in with the account you use in the app. Cancel any time.
US prices, checked October 2026. Prices in every country
Questions
Free on iPhone and Android. Pro is $49.99 a year.
Android and iPhone. No bank login. No ads.