The short comparison

• Price. Monarch is $99.99 a year, $14.99 a month, or $199.99 a year for its Plus tier, after a one-week trial. Worthtally is free for everyday tracking; Pro is $9.99 a year on the App Store and Google Play, or $29.99 once on every platform. Both read from their store listings on 2026-09-18.
• How data gets in. Monarch connects unlimited accounts and pulls balances and transactions automatically. Worthtally is manual entry only. It never asks for a bank password.
• Where data lives. Monarch syncs through its own service, so your data lives with Monarch. Worthtally stores everything in a database on your device and never sends a figure to a server we run.
• Account. Monarch needs a login. Worthtally has no account, no sign-up and no cloud.
• Platforms. Monarch runs on the web and as mobile and iPad apps. Worthtally runs as a native app on iPhone, iPad, Mac, Android and Windows. It has no web version.
• Sharing. Monarch lets you invite collaborators to one household. Worthtally has no shared login; you move data between your own devices with a backup file.
• What a bank link cannot see. Cold-wallet crypto, a house and a vehicle have to be typed in either way. In Worthtally that is the whole model, so nothing breaks when a bank changes its login.

Pick Monarch if

• You have many accounts and want balances to update on their own.
• You share money with a partner and want one shared dashboard.
• You want transactions pulled in from your bank every day without typing them.

Pick Worthtally if

• You refuse to hand a bank password to a third party, or your bank keeps breaking the link.
• You track net worth monthly by hand and want the trend, planners and a tax pack without a subscription.
• You want the app on a Mac or a Windows PC as a real desktop app, not a website.
• You want to pay once and be done.

How Worthtally does it

Everyday tracking, including unlimited accounts and 90 days of history, is always free. Pro adds full history and is $9.99 a year on the App Store and Google Play, or $29.99 once for lifetime access on every platform. Windows is lifetime only. One Apple purchase covers iPhone, iPad and Mac, with Family Sharing. Nothing forces you into a subscription.

Pro also adds QIF, OFX and QBO exports, a tax-year pack PDF with a quarterly breakdown and a capital-gains appendix, an accountant bundle ZIP, and live crypto prices from a read-only public price feed.

The free tier is not a demo. You get all nine account kinds (cash, checking, savings, investment, retirement, crypto, real estate, vehicle and debt), the transaction ledger, goals, the FIRE, retirement, emergency and debt planners, live exchange rates, and export to CSV, JSON or Markdown at any time. Budgets, categories, tags, bills and what-if scenarios are Pro.

Get Worthtally

• App Store (iPhone and iPad)
• Mac App Store
• Google Play
• Microsoft Store

Related questions

Can I move from Monarch to Worthtally?

Worthtally's CSV import takes a file of balances or transactions, in the free tier. Whether and how Monarch exports one is up to Monarch; check its help pages first.

Does Worthtally sync between my phone and my Mac?

Not through a server. You back up on one device and restore on the other with your own file. On Apple devices you can back up to iCloud Drive with one tap, in the free tier.

Is Worthtally a budgeting app like Monarch?

It has budgets by category with budget-versus-actual, custom categories, bills and recurring transactions in Pro, and goals free. The difference is where the transactions come from: you enter or CSV-import them in Worthtally, Monarch imports them from your bank.