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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

GnuCash

★ 4.20
View Details →

Monarch Money

★ 4.50
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Free Subscription
Price Details Completely free, open-source, and no hidden costs—unless you count the time spent learning its quirks. Monthly or annual subscription plans; free trial available
Monthly Price Free $14.99
Annual Price Free $99.99
Save $79.89/year
Founded 1998 2018
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
Account syncing (bank, credit, investments)
Ad-free experience
Check printing
Collaboration with partners or advisors
Custom reports and visualizations
Customizable budgets
Detailed reports and graphs
Double-entry bookkeeping
Financial calculations
Goal tracking (savings, debt payoff)
Mortgage and loan tracking
Multi-currency support
Net worth tracking
Privacy-focused (no data selling)
QIF/OFX/CSV import
Scheduled transactions
Small business accounting tools
Stock and mutual fund tracking
Transaction categorization
Pros & Cons
Pros
  • + Free as in beer and speech
  • + Robust accounting features for small businesses
  • + No vendor lock-in—your data is yours
  • + Clean, intuitive interface
  • + Syncs a wide range of accounts
  • + Great for couples or shared budgeting
Cons
  • Interface looks like it’s stuck in 1998
  • Learning curve steeper than a tax audit
  • No mobile app for on-the-go budgeting
  • 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

GnuCash

Best for:

Budget-conscious users

Platform coverage:

3 platforms

Feature count:

10 features

Monarch Money

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

9 features