Side by side · Budgeting apps
PocketSmith vs Monarch
Who should pick which, from each company’s own pricing pages and terms.
We check it out so you don’t have to.
How we researched this page: we read each company’s own pricing pages and terms, independent tests, and customer reviews. We did not use these products ourselves. Prices change often, so each one shows the date we checked it.
In short: PocketSmith — cash-flow forecasting. Monarch — couples, all-round money view. The details, prices and honest downsides are below.
| Item | PocketSmith | Monarch |
|---|---|---|
| Best for | Cash-flow forecasting | Couples, all-round money view |
| Starting price | Free; $9.99/mo yearly or $14.95 monthly, checked October 25, 2026 | $99.99/yr (Core), checked October 25, 2026 |
| Trial / refund | Free plan | 7-day trial |
Who PocketSmith fits
Planners who want to see their balance projected months or years ahead.
Watch out for: More complex than most apps here. Bank feeds on the cheapest plan are limited to one country (October 23, 2026).
Who Monarch fits
Couples and families who want one shared view of accounts, budgets, investments and goals.
Watch out for: No free plan. Bank connections can break at times, as with every app here.
Quick verdict
Monarch is the better all-round app for couples and families who want one shared view of accounts, budgets and goals. PocketSmith is for planners who want their balance projected months or years ahead, and it has a free plan, but it’s more complex than most budgeting apps.
Visit PocketSmith’s official site
More on each: PocketSmith in Best Budgeting Apps · our full Monarch review
See every option in Best Budgeting Apps, including companies not covered here.
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