The price difference is real
Monarch charges $14.99/month. Breakfin is $10/month — and you get all the core features.
Breakfin
$10/mo
all features included
- All core features included
- Spending & net worth dashboards
- Budgets with rollover
- Shared household accounts
- No data selling, ever
Monarch Money
$14.99/mo
or $99.99/year
- Extensive feature set
- Polished, modern UI
- Investment tracking
- Shared finances
- No free tier
That's nearly $60 saved per year — with the same core feature set.
Feature-for-feature
See how Breakfin stacks up against Monarch Money on the features that matter most.
| Feature | Breakfin | Monarch Money |
|---|---|---|
| Price | $10/month | $14.99/month |
| Net worth tracking | ||
| Spending tracking | ||
| Budgeting | ||
| Investment tracking | ||
| Shared accounts | ||
| Mobile PWA | ||
| Data privacy (no selling) | ||
| Free tier |
Data current as of 2025. Monarch Money features based on publicly available information.
Who switches to Breakfin?
Breakfin is a natural fit for people who love what Monarch does but want a different trade-off.
The cost-conscious user
You want the same core power Monarch offers but not the $180/year price tag. Breakfin gives you spending tracking, budgets, and net worth for less — so you can put those savings toward your actual goals.
The simplicity seeker
Monarch is feature-rich, but sometimes that means overwhelming. Breakfin focuses on the essentials — clean dashboards, smart categorization, budgets — without the cognitive load of managing dozens of settings.
The privacy-conscious user
We don't sell your financial data or show you ads. Your transaction history, income, and spending patterns are yours — full stop. Breakfin earns revenue only through subscriptions.
The household manager
Like Monarch, Breakfin supports shared finances. Invite a partner or family member to your team, get a unified view of your household finances, and manage money together from one place.