ftrme vs Monarch
Monarch is the better pick if you want every account, investment and net-worth number in one dashboard, especially as a couple. ftrme is for people who don’t want to link anything yet and need a kind first step more than a dashboard.
By Max, founder of ftrme · Updated | ftrme | Monarch | |
|---|---|---|
| Price | $49 for the first year (founding beta price, refundable until your invite) | $14.99/month or $99.99/year, with a free trial |
| Needs your bank login? | No. Works in percentages, no bank login or payslip | Built around linking accounts (manual accounts are also possible) |
| How it works | Present Me / Future Me: see your split, see two futures, one small step a day | Track linked accounts, budgets, goals and net worth in one place |
| Tone | No judgment, by design | Clean, neutral, data-first |
| Status | Private beta, 50 founding seats | Established. Web, iOS and Android |
Competitor details last checked October 9, 2026. Monarch price from monarch.com/pricing. Prices change, so check their site before you buy.
When is Monarch the better pick?
If you have several accounts, investments or a partner to plan with, and you want everything synced automatically, Monarch is one of the most complete tools available.
When is ftrme the better pick?
If you’re not ready to hand over bank logins, or a dashboard full of numbers makes you close the app, ftrme asks for percentages only and turns them into one small step a day.
Can you use both?
Yes. ftrme doesn’t track accounts, so it doesn’t overlap much with Monarch.
We make ftrme, so we’re biased. We’ve tried to be fair. If something here is wrong or out of date, email hello@ftrme.com and we’ll fix it.
Quick answers
Is ftrme a Monarch alternative?
For some people. ftrme is for people who want to see where their money goes and take one small step a day without linking a bank or keeping a detailed budget. If you want a full picture of linked accounts, net worth and investments, including for couples, Monarch is the better tool.
Does ftrme need my bank login?
No. ftrme works in percentages: out of every 100 you earn, how much goes where. No bank login, no payslip.