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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

EnvelopeBudget

★ 4.00
View Details →

Monarch Money

★ 4.50
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Freemium Subscription
Price Details Includes a 92-day free trial to test your budgeting chops. Post-trial, it’s $4/month or $40/year for premium features. Monthly or annual subscription plans; free trial available
Monthly Price $4.00 $14.99
Annual Price $40.00
Save $8.00/year
$99.99
Save $79.89/year
Founded 2010 2018
Platform Support
Web ✓ ✓
Ios ✓ ✓
Android ✓ ✓
Windows ✓ ✓
Mac ✓ ✓
Linux ✓ ✓
Features
Account syncing (bank, credit, investments) ✗ ✓
Ad-free experience ✗ ✓
Calendar view for transactions ✓ ✗
Collaboration with partners or advisors ✗ ✓
Comprehensive transaction search ✓ ✗
Custom reports and visualizations ✗ ✓
Customizable budgets ✗ ✓
Dashboard with account balance trends ✓ ✗
Debt snowball method support ✓ ✗
Goal tracking (savings, debt payoff) ✗ ✓
Net worth tracking ✗ ✓
Privacy-focused (no data selling) ✗ ✓
Real-time expense tracking ✓ ✗
Transaction categorization ✗ ✓
Virtual envelope budgeting ✓ ✗
Visual spending reports ✓ ✗
Pros & Cons
Pros
  • + 92-day free trial offers plenty of time to rethink your spending habits
  • + Slick, user-friendly interface for envelope budgeting fans
  • + Debt tracking tools to tackle your financial baggage
  • + Clean, intuitive interface
  • + Syncs a wide range of accounts
  • + Great for couples or shared budgeting
Cons
  • − Stuck on web-only until those mobile apps arrive
  • − Pricing details on their site are as clear as a foggy morning
  • − Mobile apps still in the oven—hope you like waiting
  • − 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

EnvelopeBudget

Best for:

Users wanting to try before buying

Platform coverage:

6 platforms

Feature count:

7 features

View Full Details Visit Website

Monarch Money

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

9 features

View Full Details Visit Website