Comparison · facts checked 2026-08-03
Monarch tracks what happened. WealthAge tells you what happens next.
You already track your money and you are deciding whether to switch. Checklist first: the ordinary things both apps must do. Then the differences, including where Monarch wins.
Side by side
| Monarch | WealthAge | |
|---|---|---|
| Accounts in one place | yes | yes |
| Spending categorized automatically | yes | yes; correct once and the rule sticks |
| Recurring charges and subscriptions | yes | yes, found and named |
| Net worth and investments | yes | yes |
| Export your data | yes | yes, any day |
| Upload your own file instead of connecting | supported: manual accounts and CSV import | supported: csv, ofx, qfx, xlsx, pdf, every row keeping its file, page and line |
| A score for what you'd survive | no | the WealthAge Resilience Score, validated on 24,162 households |
| Prices a decision before you make it | no | Plan: a change priced in runway and FI terms |
| Platforms | web, iPhone, Android | web today; native apps on the roadmap |
| Price per year | $99.99 (Core), $199 (Plus) | $129, one plan |
| Trial | 7 days, 30% first-year promo running | no trial; the free stress test instead |
Every Monarch fact checked against monarch.com on 2026-08-03 (their domain just moved from monarchmoney.com) and may change. Tell us if one is stale and we will fix it.
Where Monarch wins
Three real advantages, stated plainly.
Monarch is $29 a year cheaper on Core, and cheaper still under the 30% first-year promo it is running now. It has native iPhone and Android apps today. And it is the strongest app in the category for couples: mature sync and collaboration between partners that WealthAge does not yet match. If shared money management at a lower price decides it, Monarch is the better buy today.
What the difference buys is the part Monarch does not do: a validated measure of what your household could survive, a plan that prices a decision in months of runway before you make it, and a file-upload path that keeps every row traceable to its file, page and line.
The proof, in one paragraph
The score behind that survival claim was validated on the U.S. Census Bureau's Survey of Income and Program Participation: 24,162 real households, their finances against whether they actually hit hardship the following year. Given two households, one of which hits hardship, the months-of-expenses rule picks the right one 64% of the time; the simulation picks it 72% of the time. One of our published fixtures takes home $18,000 a month and scores 422; income is not resilience. The method is published: how the score is validated.
Switch in an afternoon
Switching from Monarch
Can I import my Monarch data?
Yes. Export your data from Monarch settings and upload the file here, no bank login needed. If a file does not parse, a person looks at it.
Why is WealthAge more expensive?
Monarch Core is $99.99 a year and WealthAge is $129. The difference funds the resilience layer: the score, validated on 24,162 U.S. households, and Plan, which prices a decision in runway terms before you make it. If you do not want those, Monarch is a cheaper good tracker.
Is WealthAge good for couples?
Not yet, honestly. Monarch's partner collaboration is the best in the category, and WealthAge does not match it today. If shared money management decides it, Monarch is the better buy.