Croft vs Monarch
Checked . Every fact about Monarch on this page comes from Monarch's own pages, listed under Sources. Prices and features change, so check their site for the latest.
Croft suits people paying down card and loan debt who want to know what's safe to pay from each paycheck without coming up short before payday. Monarch suits people who want budgeting, spending, net worth and goals in one app, including people who manage money with a partner.[2]
14 days free, then less than 40¢ a day ($11.99 billed monthly). Card required. Cancel anytime.
Side by side
| Feature | Croft | Monarch |
|---|---|---|
| Price | $11.99/month or $89/year. | Core: $14.99 a month or $99.99 a year. Plus: $199.99 a year (plus tax where applicable).[1] |
| Free trial | 14 days free. Card required. Cancel anytime. | 7 days free ("Your first week is on us").[1][2] |
| Approach | Plans each paycheck: bills and minimum payments first, a cushion in checking, then what's safe to put toward debt. | Budgeting, tracking (net worth, spending and cash flow) and planning in one app.[2] |
| Connects to your bank | Yes, read-only through Plaid. Croft can't move money. | Yes. It syncs with multiple financial data providers to connect with 13,000+ financial institutions. The providers aren't named on the page.[2] |
| Platforms | Web app. | Web, iOS and Android.[2] |
| Shows what's safe to pay right now | Yes. One number for what can go to debt today, updated whenever anything changes. | Not stated* |
| Shows your lowest balance before payday | Yes. The lowest your checking gets before your next paycheck, and the day. | Not stated*Monarch lists forecasts of your spending beyond the current month.[4] |
| Debt payoff plan with a date | Yes. Every card and loan in one plan, with your debt-free date. | Not stated*Monarch's goals feature names paying off student loans or credit card debt as one use.[5] |
| Finds your bills automatically | Yes. Croft drafts your bills and paychecks from your checking for you to review. | Yes. Recurring bills and subscriptions are picked up from patterns in your transactions and shown as a calendar or a list.[3][2] |
* Not stated: we didn't find this on the Monarch pages listed under Sources as of Nov 11, 2026. It may still be offered; check Monarch's site.
When Monarch may be the better fit
- You want your net worth, investments and spending in one place, not only checking and debt. Monarch connects bank accounts, credit cards, loans, real estate and investments.[2]
- You budget with a partner. Monarch says you can collaborate with your partner at no extra cost.[2]
- You're saving toward goals like a vacation or a home remodel, and want to track them next to your budget.[2][5]
Questions people ask
How much does Monarch cost?
As of Nov 11, 2026, Monarch's pricing page lists the Core plan at $14.99 a month or $99.99 a year, and the Plus plan at $199.99 a year, plus tax where applicable.
Does Monarch have a free trial?
As of Nov 11, 2026, Monarch's site offers a free trial for 7 days ("Your first week is on us").
Does Croft move my money?
No. Croft connects to your bank through Plaid to read balances and transactions. It can't move money out of your bank or make payments from your accounts. When Croft suggests a payment, you make it yourself at your bank or card issuer.
Is there a free trial?
Yes. Creating your account and setting up cost nothing. Your 14-day free trial starts when you add a card, just before your plan. After that, it's less than 40¢ a day: $11.99 billed monthly, or $89 a year.
Sources, checked
- Monarch: Pricing: https://www.monarch.com/pricing
- Monarch: Home page: https://www.monarch.com/
- Monarch: Tracking features: https://www.monarch.com/features/tracking
- Monarch: Budgeting features: https://www.monarch.com/features/budgeting
- Monarch: Planning features: https://www.monarch.com/features/planning
Monarch is a trademark of its owner. Croft isn't affiliated with or endorsed by Monarch.
You're not bad with money. You're busy.
14 days free, then less than 40¢ a day ($11.99 billed monthly). Card required. Cancel anytime.
New to Croft? Read what Croft is and how it handles your data.