Monthly price
- Monarch Money
- Core US$14.99Plus annual only
- Finnomia
- Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month
FinnomiaMonarch Money
Finnomia vs Monarch Money
A Canadian alternative to Monarch Money
Monarch is a capable household finance app with Canadian bank support. Finnomia makes Canadian connectivity and planning the starting point: Plaid plus Flinks, CAD subscriptions and registered-account and CPP/OAS tools.
Choose Finnomia when Canadian bank connectivity, contribution room and retirement assumptions matter most. Monarch remains a strong option for its established household workflow, native apps and broader Plus planning tools.
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.
- Canadian-owned and built
- Prices in Canadian dollars
- Read-only bank connections
Compare at a glance
| Feature | Monarch Money | Finnomia From $5.99 CAD/month on annual Core |
|---|---|---|
| Monthly price | Core US$14.99Plus annual only | Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month |
| Annual price | Core US$99.99Plus US$199.99 | Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year |
| Canadian bank connections | Yes | Yes |
| Bank data aggregators | Plaid, Finicity and MX | Plaid and Flinks |
| Contribution-room tracking | Not documented | Yes — Advanced and Family |
| Household access | Yes | Up to 5 on Family |
Finnomia vs Monarch Money at a glance
Annual price
- Monarch Money
- Core US$99.99Plus US$199.99
- Finnomia
- Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year
Canadian bank connections
- Monarch Money
- Yes
- Finnomia
- Yes
Bank data aggregators
- Monarch Money
- Plaid, Finicity and MX
- Finnomia
- Plaid and Flinks
Contribution-room tracking
- Monarch Money
- Not documented
- Finnomia
- Yes — Advanced and Family
Household access
- Monarch Money
- Yes
- Finnomia
- Up to 5 on Family
Prices are shown in their billing currency. Annual billing is paid upfront. Monthly equivalents and temporary offers are labelled.
Updated October 14, 2026
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.
Which should you choose?
Choose Monarch Money if…
- You value Monarch’s mature household budgeting and transaction-review workflow.
- You want public native mobile apps today.
- Monarch’s connections and Plus tools already meet your needs.
Choose Finnomia if…
- You want Canadian-focused connections using Plaid and Flinks.
- You want budgets, bills and a clear view of everyday spending.
- You want contribution-room, debt and CPP/OAS planning on Advanced or Family.
Full feature comparison
Finnomia features marked Yes are included on every plan unless a plan is named. Native apps are in internal beta; mobile web access is available now. “Not documented” means we could not confirm a feature in the sources reviewed.
| Feature | Monarch Money | Finnomia |
|---|---|---|
| Plans & pricing | ||
| Available plans | Core and Plus | Core, Advanced, Family |
| Monthly price | Core US$14.99Plus annual only | Core $8.99 CAD/monthAdvanced $14.99 CAD/monthFamily $24.99 CAD/month |
| Annual price | Core US$99.99Plus US$199.99 | Core $71.88 CAD/yearAdvanced $107.88 CAD/yearFamily $179.88 CAD/year |
| Free tier | No | No |
| Free trial | 7 days; card required | 14 days; credit card required |
| Billing currency | USD | CAD |
| Connections & data | ||
| Canadian bank connections | Yes | Yes |
| Bank data aggregators | Plaid, Finicity and MX | Plaid and Flinks |
| Connected accounts | Supported institutions; no published account cap | Core: up to 2; Advanced and Family: unlimited |
| Manual accounts | Yes | Yes |
| CSV import | Yes | Yes |
| Budgeting & everyday money | ||
| Category budgets | Yes | Yes |
| Automatic categorization | Yes | Yes |
| Split transactions | Yes | Yes |
| Budget rollover | Yes | Yes |
| Recurring bills and subscriptions | Yes | Yes |
| Custom alerts | Yes | Yes |
| Receipts and tags | Yes | Yes |
| CSV export | Yes | Yes — Advanced and Family |
| Goals & Canadian planning | ||
| Goals | Yes | Yes |
| Net-worth tracking | Yes | Yes — Advanced and Family |
| Investment tracking | Yes; advanced analysis on Plus | Yes — Advanced and Family |
| Cash-flow forecasting | Yes — Plus | Yes — Advanced and Family |
| Debt payoff planner | Debt goals | Yes — Advanced and Family |
| Contribution-room tracking | Not documented | Yes — Advanced and Family |
| CPP/OAS retirement scenarios | Not documented | Yes — Advanced and Family |
| Household & access | ||
| Household access | Yes | Up to 5 on Family |
| Web app | Yes | Yes |
| Native iOS app | Yes; Plus tools on web | Internal beta |
| Native Android app | Yes; Plus tools on web | Internal beta |
| Other differences | ||
| Transaction review | Review and household assignments | Yes |
Prices remain in their stated billing currency. Annual monthly equivalents require annual payment. Taxes, exchange rates and card-provider foreign-currency fees may affect the final charge. Promotional and renewal prices can differ.
Updated October 14, 2026
Finnomia plans and pricing
Choose the plan that fits your needs. All prices are in Canadian dollars.
Core
Everyday budgeting and spending.
- Monthly billing
- $8.99 CAD/month
- Annual billing
- $71.88 CAD/year
- Equivalent to $5.99/month, billed annually.
- Up to 2 connected accounts across up to 2 institutions
- Budgets, bills, transactions and standard goals
- Manual accounts and CSV import
Advanced
Everything in Core, plus financial planning.
- Monthly billing
- $14.99 CAD/month
- Annual billing
- $107.88 CAD/year
- Equivalent to $8.99/month, billed annually.
- Unlimited connected accounts
- Investments, contribution room and net worth
- Cash flow, debt and retirement planning
- Advanced goals and CSV export
Family
Everything in Advanced, together.
- Monthly billing
- $24.99 CAD/month
- Annual billing
- $179.88 CAD/year
- Equivalent to $14.99/month, billed annually.
- Up to 5 members, including the subscriber
- Separate member sign-ins
- Shared household budgets and overview
- Switch between personal and household views
Every plan includes a 14-day free trial. Credit card required. Cancel before the trial ends to avoid a charge. Taxes extra. Compare all Finnomia plan features.
Compare the plan as well as the price
Monarch Core costs US$14.99 monthly or US$99.99 annually. Plus costs US$199.99 annually and is billed yearly. Finnomia offers Core, Advanced and Family in CAD, with both monthly and annual billing on every plan.
What matters for a Canadian household
Monarch’s Plus tier now includes forecasting and deeper investment tools. A useful comparison is how each product handles your Canadian assumptions, rather than whether one has planning at all. Finnomia’s Advanced and Family plans combine CPP/OAS scenarios, contribution-room tracking and debt strategies with your daily financial picture.
For a household, compare the visibility model as well as the seat count. Finnomia Family includes five people total and lets an account owner hide transaction line items while retaining balances and spending totals in the household view. That is selective transaction privacy, not a completely hidden account.
Canadian connectivity is a product priority
Finnomia combines Plaid with Flinks, a provider with deep Canadian financial-data expertise and relationships with Canadian institutions. Flinks gives us a connection option built around Canadian banking alongside Plaid’s broader network.
Support varies by institution and account type. Check our connection status page and try your accounts during the trial. Manual accounts and CSV imports are available on every plan.
More control over everyday money and the longer-term plan
Review transactions, correct categories, split purchases and create rules that reduce repeat work. On Family, you can assign transaction reviews to household members and keep individual transaction details private while sharing balances and spending totals.
Advanced and Family bring investments, net worth, debt payoff and cash-flow forecasts together with Canadian retirement planning. Explore CPP and OAS timing, future contributions and retirement income in today’s or future dollars. These are planning estimates, not guaranteed outcomes.
Moving from Monarch Money to Finnomia
Export your Monarch transactions and keep an untouched backup. Finnomia accepts transaction CSVs, but does not currently offer a dedicated Monarch migration wizard or a guaranteed transfer of Monarch budgets, tags, rules and historical balances. Start with a small file, map columns and categories, and reconcile totals before importing more history.
Why Canadians choose Finnomia
Built for Canadian financial life
Canadian institutions
Flinks adds Canadian financial-data expertise to our Plaid connectivity, giving us another route to support Canadian institutions and resolve connection issues. Check your institution and account type on our connection status page.
Canadian accounts
Track TFSA, RRSP, FHSA and RESP contribution room alongside investments and net worth on Advanced and Family.
Canadian retirement
Model retirement income and compare CPP and OAS claiming assumptions as part of a broader drawdown plan.
Canadian-dollar pricing
Know what your subscription costs without converting a US-dollar list price or paying a foreign-currency card fee.
Household finances without shared passwords
The Family plan supports up to five members with shared household budgets and a combined household view.
A Canadian social purpose
Five percent of Finnomia’s profits support Canadian charities advancing financial and economic literacy.
FAQ
Sources
- Monarch pricing and Plus features
- Monarch in Canada
- Monarch connection providers
- Finnomia pricing
- Finnomia connection status
- Flinks Canadian coverage documentation
- Monarch Plus pricing, Canada availability and access
- Monarch CSV imports
- Monarch receipt attachments
- Monarch transaction controls and notifications
- Monarch July product update and data export
Published by Finnomia. We compare public product, pricing and support documentation with Finnomia’s available features. Source names appear above. Prices, features and institution support can change. Where a feature is not established in the reviewed documentation, we say so rather than treating it as unavailable. Mint information is historical.
Monarch Money is a trademark of its respective owner. Finnomia is not affiliated with Monarch Money.
See your Canadian financial life in one place
Connect your accounts, understand your spending and build a clearer plan for what comes next.
Credit card required. Cancel before the 14-day trial ends to avoid a charge. Plans are billed in Canadian dollars; taxes extra.