Stoke Money vs Monarch
Monarch is an all-in-one personal finance app: budgets, investments, net worth, and household sharing, with a cash flow projection built from your recurring bills.
Monarch's projection looks a few months ahead from the bills you confirm. Stoke forecasts every account day by day from the paychecks, bills, transfers, and card cycles it finds in your history, so you see the day money gets tight before it arrives. No budget to keep.
Side by side
| Feature | Stoke Money | Monarch |
|---|---|---|
| Price | ||
| Price | From $9/moFrom $60/yr | From $99.99/yr |
| Free option | ||
| Free option | YesManual entry and CSV import | No |
| Balance forecasting | ||
| Balance forecasting | Yes | Yes |
| Recurring detection | ||
| Recurring detection | Yes | Yes |
| True cash flow forecasting | ||
| True cash flow forecasting | YesCash flow modeled on credit card and loan payments, not charges | No |
| Budgeting | ||
| Budgeting | NoBy design. Spending forecasted instead. | Yes |
| Bank sync | ||
| Bank sync |
|
|
| CSV import | ||
| CSV import | YesTransactions and balances | YesTransactions and balances |
| Multi-currency | ||
| Multi-currency |
|
|
| Investments | ||
| Investments |
|
|
| Household sharing | ||
| Household sharing | No | Yes |
| Mobile apps | ||
| Mobile apps | No | YesiOS and Android |
| AI agent | ||
| AI agent | YesMCP, read and write. Pro only. | YesBuilt-in |
| Export / API | ||
| Export / API |
|
|
| Independent security audit | ||
| Independent security audit | No | YesSOC 2 Type 2 |
Verified October 2026. Corrections: feedback@stoke.money
Your balances, projected day by day
