Monarch Money brings all your accounts together by syncing with thousands of banks and adds goals, investments and a recurring-bills calendar. Xpenses is narrower: it plans your recurring bills and income and tells you what will be left at the end of the month, without needing a bank link. If you want everything synced in one place, Monarch does more.
| Monarch Money | Xpenses | |
|---|---|---|
| Price | $14.99/month or $99.99/year (Core plan) | Free plan; Pro $3.99/month or $34.99/year |
| Free trial or free plan | 7-day free trial; no free plan listed | Free plan with no time limit |
| Platforms | Web, iOS and Android | Web app on any device; iPhone and Android apps in preparation |
| Sharing | Collaborate with your partner or advisor at no extra cost | Pro covers a shared wallet for two |
| Bank connection | Syncs with 13,000+ financial institutions | No bank connection needed: manual entry, statement import or photos of your banking app read on the device |
| File import | CSV import, including for accounts whose bank does not connect | CSV, OFX, QFX and QIF statements |
| Upcoming bills | Recurring calendar with upcoming transactions, mark as paid, reminder 3 days before | Month list of recurring bills, one-tap paid, month-end forecast on the free plan |
Monarch Money is the better fit if…
Monarch suits people who want all accounts, investments and net worth synced automatically in one place, with partner access included.
Xpenses is the better fit if…
Xpenses suits people who mainly want to know what is left at month end, prefer not to link their bank, or want a free plan or Pro at $34.99 a year.
Sources
- Monarch pricing (2026-10)
- Monarch home page (2026-10)
- Monarch: tags and CSV import (Dec 16, 2021) (2026-10)
- Monarch: track recurring bills and subscriptions (Jul 26, 2022) (2026-10)
Xpenses prices and features as of October 11, 2026.