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Avery vs Monarch Money

The Monarch Money alternative that keeps your data in a Google Sheet you own

Monarch Money is a polished Mint replacement — but it’s a closed app at $14.99/mo that connects US and Canadian banks only. Avery gives you automatic AI bank sync inside a Google Sheet you actually own, starting free.

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Avery running inside Google Sheets with a live financial dashboard

Connects to major US, UK & European banks

  • HSBCHSBC
  • BarclaysBarclays
  • LloydsLloyds
  • NatWestNatWest
  • SantanderSantander
  • RevolutRevolut
  • AIBAIB
  • NationwideNationwide
Comparison

Everything Monarch Money does, and a lot more.

The same spreadsheet workflow — with smarter automation and wider bank coverage. See how Avery compares, feature by feature.

Avery
Monarch Money
Your data lives in a Google Sheet you own
Free to start
7-day trial only
AI transaction categorization
UK & European bank connections
US & Canada only
Spreadsheet formulas & dashboards
Starting price
$9.99/mo
$14.99/mo
Start for free

Free to try — your data stays in your own Google Sheet.

Features

3 reasons Avery is better thanMonarch Money

• AI Categorization

Smart Sorting. While You Sleep.

Avery's AI automatically organizes and categorizes your transaction data based on your rules, keeping your budget updated without you lifting a finger.

  • Automated transaction tagging
  • Hands-free spending insights
Avery AI categorization view in Google Sheets

• Auto Update

Zero Manual Work.

Import every transaction across all your accounts with just two clicks, giving you an instant, accurate view of your finances going back two years.

  • Two-year historical retrieval
  • Multi-account transaction mapping
Avery dashboard view with financial charts

• Custom Rules

Set Your Rules. We'll Do The Rest.

Avery automatically categorizes your data and syncs your accounts daily while you sleep, so you stay updated without lifting a finger.

  • Custom categorization rules
  • Daily automated syncing
Avery custom rules and transactions screen
User Stories

What Our Users Say

Customer Note
GenYSolutions
As a software engineer, I value the flexibility to create my own charts and tables. The peace of mind knowing I own my data is critical.

GenYSolutions

FAQ

Frequently Asked Questions

Can I use Monarch Money in the UK or Europe?
No. Monarch only connects US and Canadian banks and works in USD with no multi-currency support. Avery connects banks across the US, UK, Ireland, Germany, France, and Spain via Plaid and GoCardless.
Does Monarch Money sync to Google Sheets?
No — Monarch only offers a manual CSV export. Avery automatically syncs your transactions straight into a Google Sheet you own, with daily updates.
Is there a free version of Monarch Money?
No. Monarch is a 7-day trial and then $14.99/month (or $99.99/year) with no free tier. Avery is free to start, with paid plans from $9.99/month.
Do I own my data with Monarch?
Your data lives inside Monarch’s app; you can export a CSV snapshot but the working data isn’t yours to control. With Avery, the data lives in your own Google Sheet, so you keep, customize, and own it directly.
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