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Stoke Money vs Monarch

Monarch is an all-in-one personal finance app: budgets, investments, net worth, and household sharing, with a cash flow projection built from your recurring bills.

Monarch's projection looks a few months ahead from the bills you confirm. Stoke forecasts every account day by day from the paychecks, bills, transfers, and card cycles it finds in your history, so you see the day money gets tight before it arrives. No budget to keep.

Side by side

 Stoke MoneyMonarch
Price
From $9/moFrom $60/yr
From $99.99/yr
Free option
YesManual entry only
No
Balance forecasting
Yes
Yes
Recurring detection
Yes
Yes
True cash flow forecasting
YesCash flow modeled on credit card and loan payments, not charges
No
Budgeting
NoBy design. Spending forecasted instead.
Yes
Bank sync
  • Yes: Plaid
US and Canada
  • Yes: Plaid
  • Yes: MX
  • Yes: Finicity
US and Canada
Multi-currency
  • Yes: Accounts in any currency
  • No: Conversion to one currency
  • Yes: Accounts in any currency
  • No: Conversion to one currency
Investments
  • Yes: Balances
  • No: Holdings
  • No: Performance
  • Yes: Balances
  • Yes: Holdings
  • Yes: Performance
Household sharing
No
Yes
Mobile apps
No
YesiOS and Android
AI agent
YesMCP, read and write. Pro only.
YesBuilt-in
Export / API
  • No: Export as CSV
  • No: API
  • Yes: Download via AI agent (MCP)
Pro only
  • Yes: Export as CSV
  • No: API
  • No: Download via AI agent (MCP)

Verified September 2026. Corrections: feedback@stoke.money

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