The free Monarch Money alternative
Budget by OpenApps is a free Monarch Money alternative: Free. No subscription, no trial. Monarch Money's free plan: No free plan after a free first week.
What each one costs
| App | Free plan | Paid plans |
|---|---|---|
| Budget | Free. No subscription, no trial. | None |
| Monarch Money | No free plan after a free first week. | No free plan after a short trial. Core is listed at $14.99 a month or $99.99 a year (2026). |
A yearly subscription, and it wants your bank logins.
Switching from Monarch Money
Enter accounts and balances in Budget, or import a CSV from your bank, and plan the month.
Questions
Is there a free alternative to Monarch Money?
Yes. Budget by OpenApps does what Monarch Money does for budgeting and net worth, for free, with no sign-up.
Does Monarch Money have a free plan?
No free plan after a free first week. That is from Monarch Money's own site, checked October 19, 2026.
What does Monarch Money cost?
No free plan after a short trial. Core is listed at $14.99 a month or $99.99 a year (2026).
How do I switch from Monarch Money?
Enter accounts and balances in Budget, or import a CSV from your bank, and plan the month.
Can an AI assistant use Budget instead of Monarch Money?
Yes. Budget has a public API that needs no key, so an assistant can do the job for you.
Monarch Money is a trademark of its owner. OpenApps is not affiliated with it. Monarch Money's paid prices above are approximate and change often; check its site for current pricing.