A Monarch Money Alternative for Tracking Wealth, Not Budgeting
Monarch is one of the best budgeting apps to come out of Mint's shutdown. But if what you actually want is a private net worth and portfolio view with live prices, a budgeting-first, bank-sync tool is more than you need.
What Monarch Money Does Well
Monarch Money became a default recommendation after Mint shut down, and deservedly so. It connects to over 13,000 financial institutions, handles budgeting and cash flow well, tracks investments and net worth, and its shared household access makes it a genuinely good fit for couples managing money together. Its AI assistant and clean design are a real step up from the free tools it replaced.
Monarch is, at its heart, a budgeting app. The category-level transaction tracking is the point, and everything else, including net worth, is built around that spend and cash-flow engine. If you want to manage a monthly budget and see your net worth as a bonus, that is exactly what it is designed for.
Why People Look for a Monarch Alternative
The most common reason is a mismatch of purpose. A lot of people do not want to budget. They want to see their total net worth, their portfolio, and their progress toward a goal, and they do not need every coffee categorized to do it. Paying $99.99 a year (or $14.99 a month) for a budgeting engine you will not use is a poor fit, and Monarch's Plus tier at $199 a year only widens that gap.
The second reason is the sync model. Monarch's budgeting depends on connecting your accounts so transactions flow in automatically. That means bank and brokerage logins routed through an aggregator, the same connections that periodically break and need re-authentication, and the same privacy trade-off aggregation always carries. It is also US-focused and single-currency, which is a hard wall for anyone tracking money across borders.
MyMoneyViz vs Monarch Money
MyMoneyViz is not trying to be a budgeting app. It is a net worth and portfolio tracker: enter your positions once, get live prices in any currency, and watch your net worth and goals over time, with no account connection involved.
| Feature | MyMoneyViz | Monarch Money |
|---|---|---|
| Bank / brokerage login required | No | Yes (auto-sync) |
| Live automatic prices | ||
| Primary focus | Net worth & portfolio | Budgeting |
| Multi-currency | ||
| Manual, private entry option | ||
| Asset types | Stocks, ETFs, crypto, cash, real estate, debt | Bank, brokerage, loans, property |
| Price | Free to start | $99.99 / year |
Monarch pricing and features verified July 2026 from public reviews and monarch.com. Monarch Core is $99.99/year (or $14.99/month); the Plus tier is $199/year. Pricing and features may change.
A Different Job, Done Simply
The clearest way to think about it: Monarch answers “where did my money go this month?” MyMoneyViz answers “how much am I worth, and is it growing?” Both are valid questions, but they call for different tools. If the second question is the one you care about, you should not have to connect every account and adopt a whole budgeting system to get an answer.
Because MyMoneyViz pulls live prices for listed securities and crypto automatically, you still get an always-current portfolio value, you just get it without the bank logins, the broken syncs, or the single-currency, US-only constraints.
Which One Fits You
Pick based on the job you are hiring the tool to do.
- Budgeting and transaction categorization are things you actually want to do.
- You are comfortable connecting accounts for automatic transaction sync.
- You and a partner want a shared household budgeting workspace.
- Your finances are US-based and in a single currency.
- You want net worth and portfolio tracking, not a budgeting app.
- You would rather not connect any bank or brokerage login.
- You track across multiple currencies or outside the US.
- You do not want to pay a yearly subscription for features you will not use.
Switching Is Quick
There is no budget to rebuild and no accounts to connect. You enter what you own, once, and live prices handle the updates.
- 1
Create a free account
No credit card and no bank connection required to start.
- 2
Add your positions
List your holdings in any currency, plus cash, property, and debts as manual values for a complete net worth.
- 3
Live prices stay current
Stocks, ETFs, and crypto refresh automatically in your chosen currency, with no sync to maintain.
- 4
Track goals over time
Set targets and follow your net worth trend, updating balances whenever suits you.
Keep Comparing
An honest side-by-side of the main tools, from bank-sync apps to private manual options.
How MyMoneyViz compares to Kubera's $249/year aggregating balance sheet.
How MyMoneyViz compares to Empower's free, US-focused, bank-login dashboard.
Where Monarch, and a private option, fit among the Mint replacements.