Money Tree
A Monarch Money alternative: Money Tree
Monarch Money covers a lot of ground for a yearly fee. If you mainly want to spend with confidence day to day and build a saving habit, Money Tree starts with a 7-day trial.
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Why people look for a Monarch Money alternative
- There is no free plan: after a 7-day trial, Core costs USD 14.99 a month or USD 99.99 a year.
- It is available only in the US and Canada.
What Money Tree offers instead
- Billed through the App Store or Google Play, with the price shown in your own currency.
- Safe to Spend gives you one number for what you can spend today.
- A pay-period planner that sets your income against budgets and upcoming bills.
- Daily streaks, XP, coins and private leaderboards with friends make checking in a habit.
When to stay with Monarch Money
Choose Monarch Money if you manage money with a partner, want detailed investment tracking, or work mostly on a computer.
- Shared household access, with transactions reviewed and assigned between members.
- Investment and net worth tracking, with deeper investment analysis on Plus.
- Several data providers, which can help connect more institutions.
- A full web app as well as iOS and Android.
Monarch Money and Money Tree in brief
| Feature | Money Tree | Monarch Money |
|---|---|---|
| Price | A 7-day trial, then Plus as a monthly or yearly subscription; the store shows the price in your currency. | Core is USD 14.99 a month or USD 99.99 a year. Plus is USD 199 a year, billed annually. |
| Plans and trial | No. Every account starts with a 7-day trial of everything, then Plus is a subscription. | No free plan. A 7-day free trial. |
| Bank connections | Automatic, read-only sync through secure bank data providers. Connect as many banks as you like. | Automatic sync through several data providers, including Plaid, Finicity and MX, chosen per institution. |
| Platforms | iPhone, Mac and Android, from the App Store and Google Play. | iOS, Android and web. |
| Budgeting style | Safe to Spend for today, category budgets with suggested limits, savings goals and a pay-period planner. | Category and category-group budgets, with a flexible option. |
| Where it works | Wherever its bank data providers cover your bank. The app shows the regions it supports when you connect. | The US and Canada. |
Switching
Money Tree does not import from other apps. Connect your bank and your transactions arrive automatically, so there is nothing to move across. Plus shows twelve months of history from the day you connect.
Questions
What is a good alternative to Monarch Money?
It depends on why you are leaving. Choose Money Tree if you want a phone-first habit built on Safe to Spend, streaks and goals, with a 7-day trial to try it. Choose Monarch Money if you manage money with a partner, want detailed investment tracking, or work mostly on a computer.
Can I move my data from Monarch Money to Money Tree?
Money Tree does not import from other apps. Connect your bank and your transactions arrive automatically, so there is nothing to move across. Plus shows twelve months of history from the day you connect.
How much does Money Tree cost?
Money Tree has a 7-day trial of everything, with nothing held back. After the trial, Plus is a monthly or yearly subscription.
Sources
Checked on 6 October 2026. Prices and features change; check each provider before you decide.
- https://www.monarch.com/pricing (7-day trial, no free plan, iOS and Android)
- https://help.monarch.com/hc/en-us/articles/9136169422996-Pricing (Core USD 14.99 a month or USD 99.99 a year, billed in USD)
- https://www.monarch.com/blog/monarch-plus (Plus at USD 199 a year, billed annually, investment features)
- https://help.monarch.com/hc/en-us/articles/33707613533972-Understanding-Data-Providers-and-Connections (Plaid, Finicity and MX)
- https://help.monarch.com/hc/en-us/articles/19985735202068-Monarch-FAQs (available in the US and Canada)
- https://www.monarch.com/download (iOS, Android and web)
- https://apps.apple.com/app/id6794328903 (Money Tree features, Plus and the 7-day trial)
Monarch Money is a trademark of its owner. Money Tree is not affiliated with or endorsed by Monarch Money. This page compares publicly available information and is not financial advice.