Verdict at a glance
Pick Monarch Money if
Pick Monarch Money if you're a US couple who wants one shared view of budgets and net worth.
How we compared: published fees, account types and review scores for each, verified against the provider’s own price pages.
The short version
Monarch is stronger on net worth, investments and household sharing; Simplifi is cheaper and lighter for straightforward spend tracking. Both leave you with a snapshot rather than a plan.
Why people compare them
Both pitch themselves as the friendly Mint replacement, so they compete on the same shortlist.
Price and fit, side by side
| Feature | Monarch Money | Quicken Simplifi |
|---|---|---|
| Cheapest paid plan | Monarch Money$99.99 per year | Quicken Simplifi$2.99 per month |
| Free tier | Monarch MoneyNo | Quicken SimplifiNo |
| Billed in pounds | Monarch MoneyNo | Quicken SimplifiNo |
| Best for | Monarch MoneyUS couples who want one shared view of budgets and net worth | Quicken SimplifiUS users who want Quicken's reliability without the weight of the desktop product |
Where Monarch Money wins
- Genuinely good for couples and shared household finances
- Clean interface with strong net worth and investment tracking
- Subscription funded rather than advertising funded, and says it does not sell data
Where Quicken Simplifi wins
- Cheap for the category at $2.99 a month billed annually in the first year
- Backed by Quicken, which has been doing personal finance software for decades
- A 30-day money-back guarantee applies to the whole purchase, not just a partial refund
Where both fall short
- Neither applies UK tax rules to what it shows you.
- Both are built US-first, so UK users pay in dollars and work around US assumptions.
If neither is quite right
If what you actually want is the retirement answer rather than a better dashboard, that is the gap Delphina was built for: UK pensions, ISAs and tax, projected to the age you want to stop. It does not do the job Monarch Money does for us couples who want one shared view of budgets and net worth, so if that is the real problem, Monarch Money is still the better buy. Free plan is £0, no card.
See where you actually stand, free
Track your net worth, assets and a five-year forecast built on your real position, not a guess. Free plan, no card.
See where I standDecided? Here’s the next question.
The verdict on the platform is one question. Whether you’re actually saving enough is another, and Delphina answers it from what you already hold and what you pay in each month.
Free. No card required. About two minutes.
Monarch Money vs Quicken Simplifi: common questions
Monarch Money is $99.99 per year and Quicken Simplifi is $2.99 per month. Compare the billing period before the number: an annual price and a monthly price are not the same thing.
You can, and some people do, because they solve different halves of the problem. It does mean paying for both, so add the two annual figures together before deciding.
Judge it on billing currency, Open Banking coverage and whether ISAs and pensions are handled. Check each one against those three points, because a tool that scores well elsewhere can still be a poor fit in the UK.
Monarch Money suits us couples who want one shared view of budgets and net worth. Quicken Simplifi suits us users who want quicken's reliability without the weight of the desktop product. The one that matches how you already think about money will take less setting up.
Delphina covers the gap both leave, which is UK pensions, ISAs and tax projected forward to retirement. The trade-off is that it does not do the job Monarch Money does for us couples who want one shared view of budgets and net worth, so if that is the real need, pick one of these two.