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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Buckets

★ 4.30
View Details →

Monarch Money

★ 4.50
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Paid Subscription
Price Details One-time purchase of $64 for a lifetime license, usable on all household devices. Optional SimpleFIN bank sync costs $15/year. Monthly or annual subscription plans; free trial available
Monthly Price Free $14.99
Annual Price $64.00 $99.99
Save $79.89/year
Founded 2017 2018
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
Account syncing (bank, credit, investments)
Ad-free experience
Collaboration with partners or advisors
Custom reports and visualizations
Customizable budget buckets
Customizable budgets
Debt account management
Envelope budgeting system
Goal tracking (savings, debt payoff)
Local data storage for privacy
Manual transaction entry
Multi-device license for household
Net wealth tracking
Net worth tracking
Optional bank syncing via SimpleFIN
Privacy-focused (no data selling)
Recurring expense reports
Transaction categorization
Untimed free trial
Pros & Cons
Pros
  • + One-time fee, no subscription nonsense
  • + Data stays on your device—privacy first
  • + Flexible bucket system for custom budgets
  • + Clean, intuitive interface
  • + Syncs a wide range of accounts
  • + Great for couples or shared budgeting
Cons
  • No native bank syncing without extra cost
  • Mobile app is read-only (for now)
  • No iOS app, sorry Apple fans
  • No free plan—paywall city
  • Can’t import Mint data directly (ouch)
  • Some features feel basic for the price

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Quick Summary

Buckets

Best for:

One-time purchase preference

Platform coverage:

4 platforms

Feature count:

10 features

Monarch Money

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

9 features