Monarch vs. You Need a Budget
Go beyond budgeting with Monarch
Monarch's all-in-one money management platform helps families track their entire financial picture and plan for their future. Join thousands of others switching to Monarch, the best YNAB alternative.
Monarch
All-in-one money management
Monarch isn't just a budgeting app, it's a complete money management platform that helps you see your entire financial picture in one place.
Recurring expense detection
Get clarity on where you're spending your money by automatically detecting your recurring bills and subscriptions. Get notified before you're billed next, cancel what you no longer need.
Powerful investment tools
Monarch tracks all of your investment holdings in all of your accounts, so you can analyze your entire portfolio's performance and allocation.
Long-term planning
Monarch helps you generate a financial plan that stretches years into the future. This helps you effectively plan for your larger financial goals and chart a path to retirement.
Vote on our product roadmap
We let our users vote on the features they want us to build next. We use this information to define our product roadmap to ensure we're always building the best product for our customers.
Modern, intuitive design
Monarch has a beautiful, intuitive, and clean design across web and mobile. We obsess over the details to make sure every piece of the product is easy to use.
You Need a Budget
Budgeting
YNAB is a budgeting tool that focuses on helping people spend less than they make every month.
No recurring detection
YNAB does not automatically identify your subscriptions, making it harder to find and cancel unwanted recurring expenses.
No investment tracking
YNAB can track your account balances, but does not track your investment holdings.
Short-term budgeting
YNAB focuses on budgeting the money you currently have so you don't overspend.
Public roadmap
YNAB does highlight what features are upcoming, but doesn't let users suggest new ideas or vote on anything.
Outdated design
YNAB's complicated interface requires a lot of time and effort to learn and navigate.
4.8What our customers are saying
I tried YNAB, I tried Mint, I use Monarch. So much more intuitive and the UI/UX is delightful.
Joshua W.
It's beautifully designed and it just works, as advertised; Significantly fewer syncing issues than it's competitors.
Stephen C.
Makes it easy to see all my spending across accounts, with no ads and no unwanted advisors calling me.
Aaron V.
Monarch is an elegant way of keeping track of my finances. I can make changes on my Android and they're instantly viewable on my Mac.
Enrique K.