YNAB and Monarch become paid subscriptions when their trial ends. Fin has a free plan, works without connecting a bank, and splits trips and shared costs with friends, right on your phone.
vs
YNAB
vs
Monarch
Where Fin stands out
A free plan, not a countdown
Manual transactions, budgets and goals are free in Fin. YNAB's 34-day and Monarch's 7-day trials end in a paid subscription.
No bank login needed
Start with manual accounts on day one. Connect an eligible bank later, only if you want to.
Split costs with friends
Split groups track shared expenses, who owes what and payments between friends who keep their own money separate.
Ask about your own money
Ask Fin questions about your spending, like how this month's groceries compare with last month's.
Fin compared with YNAB and Monarch
Feature
Free to start
YNAB
Monarch
Free plan
Yes: manual transactions, budgets and goals
34-day free trial, then a paid subscription
7-day free trial with a payment method, then a paid subscription
Use it without a bank connection
Yes, free from day one
Manual entry and file import, paid after the trial
Manual accounts and transactions, paid after the trial
Split costs with friends
Split groups: shared expenses, who owes what, recorded payments
YNAB Together shares one subscription with up to 5 other people
Household members share one view of every account and transaction
Paid price
Optional Fin Plus; current price shown in the app before you subscribe
US$14.99/month or US$109/year, plus tax
Core US$14.99/month or US$99.99/year; Plus US$199.99/year
Canadian bank connections
Optional on eligible plans; depends on institution and region
Select Canadian banks via Plaid and MX; YNAB notes Canadian connections can be harder
Supports Canadian institutions; check its connection status dashboard
Apps
iPhone and Android
See each company's site for current platforms
YNAB and Monarch details come from their own websites, checked November 12, 2026, and linked below. Prices can change.
Choose Fin if you want to
Start without paying and keep using the free plan for as long as it works for you.
Keep your bank login to yourself and track by hand, or connect later.
Split a trip, a flat or a dinner with friends without sharing your whole finances.
Do it all on your phone, on iPhone or Android.
YNAB is built around its own budgeting method, and Monarch around a shared household view of connected accounts. If that is exactly what you need and a subscription suits you, they are worth a look. If you want to start free and keep it simple, start with Fin.
YNAB and Monarch names and logos belong to their owners and are shown only to identify their apps. Fin is not affiliated with or endorsed by either company.
Start free with Fin.
Budgets, goals and manual tracking on the free plan. Bank connection is optional.
Get for iPhone