Empower Finance vs Monarch Money
A detailed comparison of Empower Finance and Monarch Money in 2026. Compare pricing plans, features, and find out which finance service is right for you.
Empower Finance
Personal finance app for budgeting, investing, and retirement planning
Empower Finance is a financial and accounting service that provides personal finance app for budgeting, investing, and retirement planning. Founded in 2009 and headquartered in Redwood City, California, Empower Finance offers 2 pricing plans. It offers a free tier as well as paid plans starting from $undefined/month. Key features include Budgeting, Net worth tracking, Investment analysis, Retirement planner. Empower Finance is a popular choice for users looking for quality finance subscriptions.
Monarch Money
Modern personal finance and wealth management
Monarch Money is a financial and accounting service that provides modern personal finance and wealth management. Founded in 2019 and headquartered in San Francisco, California, Monarch Money offers 1 pricing plan. Plans start from $14.99/month. Key features include Account linking, Net worth tracking, Budgeting, Investment tracking. Monarch Money is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Empower Finance | Monarch Money |
|---|---|---|
| Starting Price | Free | $14.99/mo |
| Plans Available | 2 | 1 |
| Year Founded | 2009 | 2019 |
| Headquarters | Redwood City, California | San Francisco, California |
| Budgeting | ||
| Net worth tracking | ||
| Investment analysis | ||
| Retirement planner | ||
| Spending tracker | ||
| Account linking | ||
| Investment tracking | ||
| Goals | ||
| Collaboration |
Pricing Comparison
Compare all available plans and pricing tiers
Empower Finance Pricing
Monarch Money Pricing
$99.99/yr
Frequently Asked Questions
Is Empower Finance or Monarch Money better in 2026?
Both Empower Finance and Monarch Money are excellent finance services. Empower Finance offers Budgeting and Net worth tracking, while Monarch Money features Account linking and Net worth tracking. The best choice depends on your specific needs and budget.
How much does Empower Finance cost compared to Monarch Money?
Empower Finance starts at $Free/month, while Monarch Money starts at $14.99/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Empower Finance and Monarch Money subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Empower Finance and Monarch Money. Get renewal alerts, spending analytics, and never miss a payment — 100% free.
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Track Both Services in One Dashboard
Whether you choose Empower Finance, Monarch Money, or both — track all your subscriptions in one place with smart alerts and analytics.