Money Tree
Money Tree vs Monarch Money
Monarch Money is a paid all-in-one money app with strong household sharing and investment tracking. Money Tree starts with a 7-day trial and is built around daily habits and goals.
Last reviewed
At a glance
| 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. |
Where Monarch Money is stronger
- 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.
Where Money Tree is different
- 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.
Which should you choose?
Choose Monarch Money if you manage money with a partner, want detailed investment tracking, or work mostly on a computer.
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.
Looking for a Monarch Money alternative? See what switching involves.
Questions
How does Money Tree's price compare with Monarch Money?
Money Tree has a 7-day trial of everything, with nothing held back. Monarch Money: No free plan. A 7-day free trial.
Does Monarch Money connect to my bank?
Automatic sync through several data providers, including Plaid, Finicity and MX, chosen per institution. Money Tree: Automatic, read-only sync through secure bank data providers. Connect as many banks as you like.
Which apps can I use Monarch Money on?
iOS, Android and web. Money Tree: iPhone, Mac and Android, from the App Store and Google Play.
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.