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 the default recommendation after Mint shut down, and it earned that. It connects to over 13,000 financial institutions, handles budgeting and cash flow well, tracks investments and net worth, and its shared household access fits couples managing money together. The design is 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
Usually a mismatch of purpose. Plenty of people do not want to budget. They want their total net worth, their portfolio, and their progress toward a goal, and they do not need every coffee categorized to get it. Paying $99.99 a year, or $14.99 a month, for a budgeting engine you will not open is a bad deal, and Monarch's Plus tier at $199 a year widens the 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
Monarch answers where your money went this month. MyMoneyViz answers how much you are worth and whether it is growing. Both are fair questions, and they need different tools. If the second one is yours, connecting every account and adopting a budgeting system is a lot to do for an answer.
MyMoneyViz pulls live prices for listed securities and crypto automatically, so the portfolio value stays current without the bank logins, the broken syncs, or the single-currency, US-only limits.
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.