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Free tier. Calm approach.
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Warm?
See how we stack up. Pick who to compare.
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Monarch
$100/yr
YNAB
$109/yr
Copilot
$95/yr
Rocket
$72-144/yr
Simplifi
$72/yr
Empower
Free
Origin
$99/yr
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Warm
leads in
23+ features
vs selected competitors
Feature
30/30
Monarch
23/30
YNAB
14/30
Copilot
23/30
Rocket
16/30
Simplifi
18/30
Empower
17/30
Origin
26/30
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Pricing & Value
Free tier available
Starts under $60/year
Transparent pricing
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Account Management
Bank sync via Plaid
CSV & OFX import
Manual transactions
Auto-categorization
Smart transaction tags
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Budgeting
Category budgets
Merchant-level budgets
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Savings goals
Goal account linking
Custom categories
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Bills & Subscriptions
Recurring detection
Bill calendar
Cancel link library
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gem
Wealth & Assets
Net worth tracking
Investment account balances
Crypto tracking
Manual asset tracking
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Historical snapshots
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Analytics & Insights
Spending by category
Spending by merchant
Cash flow analysis
Financial health score
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Advanced Features
Cash flow forecasting
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Spending anomaly alerts
Household sharing
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Reports & export
AI financial assistant
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