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Recontrol and Monarch, compared

Monarch is a money app for the US and Canada, with budgets, investments and a plan for couples.

As of 22 October 2026, from each product's own pages.

Side by side

QuestionRecontrolMonarch
Price$79.99 a year or $7.99 a monthCore: $99.99 a year or $14.99 a month. Plus: $199.99 a year.1
Free planYes: every account, plan and personNone1
SharingAs many spaces as you need, each with the people you chooseMembers share one household, all with the same access2
CurrenciesEach account in its own; totals in the one you chooseNo conversion: 10,000 CAD and 10,000 USD show as $20,0003
Bank syncBank accounts and cards in the US and Canada, through Plaid; stock and mutual fund holdings from Zerodha in IndiaUS and Canada, through Plaid, Finicity and MX4
AIChat, with a subscription; a free connector for Claude and ChatGPTA built-in assistant, and a connector for Claude, ChatGPT and others5

Where Monarch is ahead

  • Far more banks: over 13,000 institutions, by its count.6
  • Importing a CSV of past transactions.7
  • A Plus tier with forecasting and business tracking.8

Where Recontrol is different

Every transaction records where money came from and went, so paying off a card is never spending.

Moving over from Monarch

Export a CSV from Monarch to keep a copy, then connect your banks through Plaid for up to two years of history. Recontrol can't import a CSV yet.

Sources

  1. Monarch pricing
  2. Monarch for couples and households
  3. International accounts and currency
  4. Understanding data providers
  5. Monarch MCP connector
  6. monarch.com
  7. Importing transactions manually
  8. Monarch Plus tier

Unnumbered rows are common knowledge. Out of date? Tell support@recontrol.money.

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