Monarch Money vs Substack
A detailed comparison of Monarch Money and Substack 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.
Substack
Platform for independent newsletter writers
Substack is a news and media service that provides platform for independent newsletter writers. Founded in 2017 and headquartered in San Francisco, California, Substack offers 2 pricing plans. It offers a free tier as well as paid plans starting from $undefined/month. Key features include Newsletter platform, Podcasts, Chat, Notes. Substack is a popular choice for users looking for quality news subscriptions.
Feature Comparison
Side-by-side comparison of features and capabilities
| Feature | Monarch Money | Substack |
|---|---|---|
| Starting Price | $14.99/mo | Free |
| Plans Available | 1 | 2 |
| Year Founded | 2019 | 2017 |
| Headquarters | San Francisco, California | San Francisco, California |
| Account linking | ||
| Net worth tracking | ||
| Budgeting | ||
| Investment tracking | ||
| Goals | ||
| Collaboration | ||
| Newsletter platform | ||
| Podcasts | ||
| Chat | ||
| Notes | ||
| Community | ||
| Monetization |
Pricing Comparison
Compare all available plans and pricing tiers
Monarch Money Pricing
$99.99/yr
Substack Pricing
Frequently Asked Questions
Is Monarch Money or Substack better in 2026?
Both Monarch Money and Substack are excellent finance services. Monarch Money offers Account linking and Net worth tracking, while Substack features Newsletter platform and Podcasts. The best choice depends on your specific needs and budget.
How much does Monarch Money cost compared to Substack?
Monarch Money starts at $14.99/month, while Substack starts at $Free/month. Both offer multiple pricing tiers to fit different budgets.
Can I track both Monarch Money and Substack subscriptions?
Yes! TrackMySubscriptions lets you track all your subscriptions in one place, including Monarch Money and Substack. 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, Substack, or both — track all your subscriptions in one place with smart alerts and analytics.