HouseCrew Money vs Monarch
An honest comparison for couples choosing a money app: what each does better, what each costs, and which to choose.
Checked October 2026
Monarch is the app many couples moved to when Mint closed, and it's polished: bank sync, investments, phone apps and goals. Money does something narrower. It looks closely at the next few weeks of each account, and keeps your records agreeing with the bank's, without connecting to the bank at all.
| HouseCrew Money | Monarch | |
|---|---|---|
| Price | $59 a year or $6.99 a month, 30 days free. Or $89 once for Windows | Core $99.99 a year or $14.99 a month; Plus, with forecasting, $199 a year. The first week is free |
| Runs on | Windows and the web, including a phone’s browser | The web, iPhone and Android |
| Getting transactions in | You download files from your bank (QFX, OFX, CSV, QIF or the statement PDF) and drop them in | Automatic bank sync; CSV import on the web |
| Looking ahead | Each account, day by day, for 31, 60 or 90 days, with alerts and a suggested covering transfer | In Plus: net worth and cash flow projected over years, with life events like a new home or a new job |
| Card payments | Statement balance, minimum and due date from the statement PDF, scheduled from the account you pay with | Statement balance and minimum due for cards through Bill Sync (US), from credit bureau data |
| Reconciling | Against the statement, matching the PDF’s lines, with “Why it’s off” | No statement reconciliation |
| Investments | No | Yes |
| Where your data lives | On your PC, or online for your household | Online, with Monarch |
| Sharing | Up to 5 people per budget, each with their own sign-in, at no extra cost | Invite household members, each with their own login, at no extra cost |
Two kinds of forecast
Monarch's forecasting, in its Plus plan, is long-range planning: where your net worth is heading, and what buying a home or changing jobs would do to it. Money's forecast is short-range and exact: Checking's balance on each of the next 90 days, from your actual bills, card statements and paydays, and a warning when it'll dip under your alert. If you want to know whether you can retire at 60, Monarch Plus answers that. If you want to know whether rent and the card payment clear before payday, that's Money.
Choose Monarch if…
- You want every account connected and updated without lifting a finger.
- You track investments and net worth, or plan years ahead.
- You want a phone app from the app stores.
Choose HouseCrew Money if…
- You'd rather not connect your bank accounts to any app.
- Your bills and paydays land close together, and you want to see each account's lowest point coming.
- You reconcile against your statements, or would like to.
- You want the option of keeping your data on your own PC, or paying once.
Moving across
Money reads Monarch's transaction export directly, every account in one file, with categories kept and transfers paired. Export from Monarch on the web, then drop the file on Money.
Monarch's prices and features are from monarch.com/pricing, itsMonarch Plus announcement (April 2026),Bill Sync and its help center, as of October 2026. If something here is out of date, please tell us at [email protected]and we'll fix it.