1Pick YNAB to plan every dollar
YNAB asks you to assign each dollar to a category before you spend it. It lists $14.99 a month or $109 a year, with a 34-day trial.
2Pick Monarch to see everything
Monarch pulls your accounts, investments and net worth into one view. It lists $14.99 a month or $99.99 a year, with a 7-day trial.
3If you budget as a couple
Oaktally is made for two people who keep their own money and share the bills. It splits each bill by income and costs from $5.99 a month for both of you.
4What Oaktally does not do yet
Oaktally does not connect to your bank. You add spending by voice, with a receipt photo or with a tap, which takes a few seconds and keeps you looking at every purchase.
5Checked on their own sites
Prices and features checked on each company's own site on October 20, 2026.
Frequently asked questions
Which is cheaper, YNAB or Monarch?
Both list $14.99 a month. Paid yearly, Monarch is $99.99 and YNAB is $109.
Can two people share YNAB or Monarch?
Yes. YNAB lists up to 6 people on one plan, and Monarch lets you invite a partner.
Do YNAB and Monarch connect to my bank?
Yes, both sync with your bank. Oaktally does not; you add spending by voice, receipt photo or a tap.
Which has the longer free trial?
YNAB, at 34 days. Monarch lists 7 days.
Further reading
YNAB pricing ↗YNAB features ↗Monarch pricing ↗Monarch: Shared Views ↗Educational examples, not individual financial advice.