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Personal Finance · head to head

Banktivity vs Monarch Money

Banktivity logo

Banktivity

Personal Finance

Personal finance for Mac and iOS

From
On request
Rated
-
Full reviewWebsite
Monarch Money logo

Monarch Money

Personal Finance

All-in-one wealth management platform

From
$99/year
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version; Monarch Money the free trial is one week, after which a paid subscription is required to keep using the app
  • They diverge on capability: Banktivity covers Account tracking, Monarch Money covers Budget management.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Banktivity and Monarch Money actually diverge.

Attributes where Banktivity and Monarch Money differ
AttributeBanktivityMonarch Money
Starting priceOn request$99/year
PlatformsMac, IOSWeb, IOS, Android
Founded20072022

Identical on both: pricing model (subscription), free tier (No), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Banktivity

  • Account tracking
  • Bill management
  • Budget forecasting
  • Mac support

Only in Monarch Money

  • Budget management
  • Tax planning
  • Financial insights
  • Cryptocurrency
  • Web support
  • Android support

Both cover

  • Investment tracking
  • Bank accounts
  • Investment accounts
  • IOS support

What people use each for

The jobs each tool is most often brought in to do.

Banktivity

  • Personal budgeting and money management on a Macnot Monarch Money
  • Investment and net worth trackingnot Monarch Money
  • Retirement planning projectionsnot Monarch Money
  • Connecting to over 14,000 financial institutionsnot Monarch Money

Monarch Money

  • Tracking household budgets and spending across linked bank accountsnot Banktivity
  • Shared budgeting between partners in one accountnot Banktivity
  • Monitoring net worth and investment balances alongside cash accountsnot Banktivity

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Banktivity

  • Runs on macOS, iPhone and iPad only, with no Windows, Android or web version
  • Pricing is not shown on the product page and sits behind a separate plans page

Monarch Money

  • The free trial is one week, after which a paid subscription is required to keep using the app
  • The advertised 30 percent discount with code WELCOME applies to the first year only and is restricted to new users
  • There is no free tier, and a Plus tier gates features above the base subscription

Pricing, plan by plan

Banktivity

On request
  • Monthly$4.99/month
    • Full feature access
    • Cloud sync
  • Annual$39.99/month
    • All monthly features
    • Discounted rate

Monarch Money

$99/year
  • Core Plan$99/year
    • 7-day free trial
  • Plus$null/year
    • Premium features

Which should you pick?

Choose Banktivity if

  • You need account tracking.
  • You work on Mac, IOS.
  • You also want bill management.
Banktivity review

Choose Monarch Money if

  • You need budget management.
  • You work on Web, IOS, Android.
  • You also want tax planning.
Monarch Money review

Questions people ask

Is Banktivity or Monarch Money better?
Neither clearly leads. Banktivity starts at On request and Monarch Money at $99/year, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Banktivity or Monarch Money?
Banktivity starts at On request and Monarch Money at $99/year.
Does Banktivity or Monarch Money run on more platforms?
Banktivity runs on Mac, IOS. Monarch Money runs on Web, IOS, Android.
What is Banktivity best used for?
Banktivity is most often used for personal budgeting and money management on a mac, investment and net worth tracking, retirement planning projections, connecting to over 14,000 financial institutions. Of those, personal budgeting and money management on a mac and investment and net worth tracking are not what Monarch Money is typically brought in for.
What can Banktivity do that Monarch Money cannot?
Banktivity covers Account tracking, Bill management, Budget forecasting, Mac support. Monarch Money covers Budget management, Tax planning, Financial insights, Cryptocurrency. Both handle Investment tracking, Bank accounts, Investment accounts, IOS support.

Answered from the vendors’ own pages

Banktivity: Does Banktivity offer a free trial?

Yes. Banktivity offers a 30-day free trial at any subscription level with no credit card required. This allows you to test the platform before committing.

Source
Monarch Money: How much does Monarch Money cost?

Monarch Money Core plan costs 99 USD/year, referenced in customer testimonials and promo code terms. Additional Plus tier exists but specific pricing is not disclosed on the main page.

Source
Banktivity: What devices does Banktivity support?

Banktivity is available on Mac, iPhone, and iPad with cross-device sync. Data is encrypted end-to-end across all devices.

Source
Monarch Money: Is there a free trial?

Yes, Monarch Money offers a 7-day free trial for new users with no credit card required.

Source
Banktivity: How many banks does Banktivity connect to?

Banktivity connects to 14,000+ banks, allowing direct connections to most major financial institutions.

Source
Monarch Money: Are there discounts available?

Monarch Money offers 30% off the first year with promo code WELCOME for new members on annual Core plan subscriptions. Cannot be combined with other offers.

Source
Banktivity: What financial planning tools does Banktivity include?

Banktivity includes budgeting, financial reporting, investment portfolio tracking, retirement planning tools, and net worth tracking across all your accounts.

Source
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