Monarch Money vs Relay
A detailed comparison of Monarch Money and Relay in 2026. Compare pricing plans, features, and find out which finance service is right for you.
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.
Relay
Business banking with collaborative tools and automatic categorization
Relay is a financial and accounting service that provides business banking with collaborative tools and automatic categorization. Founded in 2018 and headquartered in Toronto, Canada, Relay offers 2 pricing plans. It offers a free tier as well as paid plans starting from $30/month. Key features include Business checking, Profit first, Automatic routing, Team access. Relay is a popular choice for users looking for quality finance subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Monarch Money | Relay |
|---|---|---|
| Starting Price | $14.99/mo | Free |
| Plans Available | 1 | 2 |
| Year Founded | 2019 | 2018 |
| Headquarters | San Francisco, California | Toronto, Canada |
| Account linking | ||
| Net worth tracking | ||
| Budgeting | ||
| Investment tracking | ||
| Goals | ||
| Collaboration | ||
| Business checking | ||
| Profit first | ||
| Automatic routing | ||
| Team access | ||
| Accounting sync |
Pricing Comparison
Compare all available plans and pricing tiers
Monarch Money Pricing
$99.99/yr
Relay Pricing
Frequently Asked Questions
Is Monarch Money or Relay better in 2026?
Both Monarch Money and Relay are excellent finance services. Monarch Money offers Account linking and Net worth tracking, while Relay features Business checking and Profit first. The best choice depends on your specific needs and budget.
How much does Monarch Money cost compared to Relay?
Monarch Money starts at $14.99/month, while Relay starts at $30/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Monarch Money and Relay subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Monarch Money and Relay. 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 Monarch Money, Relay, or both — track all your subscriptions in one place with smart alerts and analytics.