Tuppence vs Monarch
Monarch brings every account into one dashboard: spending, budgets, investments and net worth, shared with your partner or your financial professional. Tuppence does the opposite: nothing linked, you log what you spend in three seconds. Two different tools for two different people.
Data checked on October 20, 2026
Log a spend in three seconds and always see what's left: Tuppence — free, no account, no bank connection.
Side by side
| Tuppence | Monarch | |
|---|---|---|
| Price | Free; Tuppence+ $2.99 a week (3-day free trial) or $17.99 a year (7-day free trial) | 7-day free trial, then $14.99 a month or $99.99 a year; Yearly Plus listed at $199.99 |
| Free version | Free forever: log, edit and delete spending, categories and templates, a searchable ledger, the monthly summary and one overall budget | No free version after the trial |
| Bank linking | No, by design: you log spending yourself, no bank credentials | Yes: connect your accounts and Monarch auto-categorizes them |
| Budgeting | One overall budget free; category and period budgets (day, week, month, year) with Tuppence+, with what's left as a big number | Flex Budgeting or Category Budgeting, with progress bars and a widget |
| Bills and subscriptions | Weekly, monthly or yearly, with the total committed per month (Tuppence+); when you import a CSV it suggests which charges repeat | Calendar or list of bills and subscriptions, with notifications |
| Investments and net worth | Not covered | Net worth, investment performance, credit card statement balances |
| Sharing | No: built for one person | Partner, household members and financial professionals at no extra cost |
| Account and data | No account to create; data stays on your phone and in your iCloud | Read-only access to your financial accounts; credentials not stored, per the listing |
| Ads | No ads | No ads |
| Savings goals | Savings goals with the amount to set aside each month (Tuppence+) | Goals with contributions inside the monthly budget |
Highlighted: the stronger app on that point, where the difference is clear.
Which one to choose
Choose Tuppence if
- You'd rather not connect your bank accounts to an app
- You want to stay free, or pay $17.99 a year instead of a membership
- You only need to know where the money goes and what's left
- You keep track on your own
Choose Monarch if
- You want every account, investment and your net worth in one view
- You manage money with a partner or an advisor
- You want bills and subscriptions found for you
- You'd rather not log anything by hand
Frequently asked questions
Is Monarch free?
No. According to the US App Store listing, Monarch is free to try for 7 days, then $14.99 a month or $99.99 a year (a Yearly Plus plan is listed at $199.99). Tuppence is free for logging spending; Tuppence+ is $2.99 a week or $17.99 a year.
Was Monarch a Mint replacement?
Monarch's own listing quotes Forbes calling it the “Best Mint Replacement”. If you used Mint for automatic tracking, Monarch is the closer fit; if you want something manual and private, Tuppence is.
Where is my data stored?
Tuppence keeps it on your phone and, if you turn sync on, in your personal iCloud; there's no account. Monarch connects to your accounts with read-only access and says it never stores your financial credentials; details are in its privacy policy.
Read next
Prices, features and ratings come from each app's US App Store listing on October 20, 2026 and may change; Tuppence's come from the app itself. Listings: Tuppence, Monarch.
Monarch and Monarch Money are trademarks of their respective owners. Tuppence is an independent project with no affiliation, sponsorship or endorsement from them. This page compares apps; it is not financial advice.