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Wrenfold vs Monarch Money
Many people looking for a Mint replacement land on Monarch. Wrenfold is the other kind of replacement: an app you own, with your data in a file on your device.
Intuit shut down Mint in March 2024 and invited Mint users to move to Credit Karma. Source.
| What | Wrenfold | Monarch Money |
|---|---|---|
| Price | $79 once, then $5 a month for updates and email support. Free to try in your browser with up to 60 entries, no sign-up. | Monarch lists $14.99 per month or $99.99 per year. The pricing page also offers a Plus tier and says new members get their first week free. |
| Where your data is kept | In a file on your own phone or computer. We never receive your accounts, balances or transactions. | Monarch says data is stored in US-based AWS (Amazon Web Services) data centers. |
| Devices | iPhone and iPad (from the browser, added to the Home Screen), Mac and Windows. One purchase covers all of them. | Web browser, iPhone, iPad, and Android. |
| Getting your transactions in | Imports your bank's CSV, OFX or text PDF statements, with rules that categorize for you. No bank connection of our own; you can link SimpleFIN yourself, a separate paid service. | Yes. Monarch connects financial accounts through Plaid, Finicity (owned by Mastercard), and MX, and an account can be switched to a different provider if needed. |
| If you stop paying | The app keeps working and your data stays yours. You stop getting updates. | Cancelling a subscription does not delete the account. Deleting the account is a separate, permanent step that removes all data, and Monarch recommends downloading transaction and account history first. |
| What it leaves out or adds | Not included: A bank connection of our own, tracking of individual stocks and funds, and an App Store app. | Advertised strengths: Plus tier adds net worth and cash flow forecasting; Plus tier tracks business finances separately from personal ones; Plus tier adds investment gains and losses and fund analysis using Morningstar data; 7-day free trial for new sign-ups. |
Monarch Money details from its own pages, checked 2026-10-30: source 1, source 2, source 3, source 4, source 5, source 6. Prices and features change, so confirm on their site. Monarch Money is a trademark of its owner; we are not affiliated with it.
Choose Monarch Money if
You want every account synced automatically, investment tracking, and access from any browser with shared access for a partner.
Choose Wrenfold if
You care most about privacy and ownership, you do not need investment tracking, and you would rather not pay a yearly subscription.
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FAQ
Questions about switching
What is the main difference between Wrenfold and Monarch Money?
Many people looking for a Mint replacement land on Monarch. Wrenfold is the other kind of replacement: an app you own, with your data in a file on your device.
Is Wrenfold a Mint alternative?
It covers the budgeting, bills and net worth side of what people used Mint for, without an account on our servers. It does not track individual investments.
Do I need an account to use Wrenfold?
No sign-up is needed to try it in your browser. A purchase gives you the app and updates.
Who should choose Monarch Money?
Choose Monarch Money if you want every account synced automatically, investment tracking, and access from any browser with shared access for a partner.
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