Stoke Money vs Monarch
Monarch is one of the strongest all-in-one personal finance apps: budgets, investment tracking, household sharing, and native mobile apps, at $99.99/yr for the Core plan. In April 2026 it added a $199/yr Plus tier whose headline feature is Forecasting — a multi-year projection of your net worth with life events you can drag onto a timeline.
The two apps forecast different things. Monarch Plus projects your net worth years into the future, with life events like buying a home or retiring. Stoke projects what each of your account balances will be over the coming days and weeks. Monarch has no daily balance forecast at any tier, and Stoke has no long-horizon net-worth projection. Monarch is also built around budgets, while Stoke doesn't have them.
Side by side
| Stoke Money | Monarch | |
|---|---|---|
| Price | $9/mo or $60/yr | Core $99.99/yr (or $14.99/mo); Plus $199/yr |
| Free option | YesManual entry, no bank sync | No |
| Forecasting | YesDaily balance forecast for every account, up to a year ahead | YesMulti-year net-worth projection with life events — Plus only ($199/yr); no daily balance forecast |
| Recurring detection | YesDetected automatically from your transaction history | Yes |
| Credit-card payment forecasting | YesStatement balance, minimum, or fixed — on the due date | No |
| What-if planning | YesPlans layered onto the forecast | YesPlus only — life events on the net-worth projection |
| Budgeting | No | YesFlex budgets with rollover |
| Bank sync | Plaid (US banks) | Plaid, MX, and Mastercard (Finicity) — US and Canada |
| Multi-currency | YesAccounts in any currency; automatic conversion coming soon | NoBank sync is US/Canada; mixed currencies sum unconverted, as if equivalent |
| Investments | NoBalances only | YesPlus adds Morningstar-powered analysis |
| Household sharing | No | YesIncluded in Core |
| Mobile apps | NoResponsive web app | YesiOS and Android |
| Export / API | No | YesCSV export; no official public API |
Comparison last verified June 2026. Monarch's pricing and features change — check their site for current details. Spot an inaccuracy? Tell us at feedback@stoke.money and we'll fix it.
Where Monarch is better
- All-in-one: budgets, goals, investments, and net-worth tracking in one place
- Household sharing included at no extra cost
- Native iOS and Android apps
- Three bank-data aggregators with per-institution choice, covering US and Canada
- Plus tier's Forecasting models long-term decisions like retirement or a home purchase
Where Stoke is better
- Costs $60/yr — Monarch Core is $99.99/yr, and its forecasting tier is $199/yr
- Daily account balance forecasting, which Monarch doesn't offer at any tier
- Credit-card payments forecast by statement cycle
- Recurring activity is inferred from your transaction history, so there's nothing to set up or maintain
Which should you pick?
Pick Monarch if you want one app for budgets, investments, and a shared household view — and especially if you budget actively. It's the stronger all-rounder.
Pick Stoke if you mainly want to know what your balances will look like in the weeks and months ahead, without maintaining budgets.