A simpler, spreadsheet-first alternative to Monarch Money for people who want bank sync, categorization, and Google Sheets control. Monarch 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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Last updated June 2026 · prices and bank coverage reviewed regularly
Connects to major US, UK & European banks
HSBC
Barclays
Lloyds
NatWest
Santander
Revolut
AIB
NationwideThe same spreadsheet workflow — with smarter automation and wider bank coverage. See how Avery compares, feature by feature.
Free to try — your data stays in your own Google Sheet.
Monarch is popular with couples for shared budgeting and collaborator access. Avery supports the same household setup: a Google Sheet can be shared with a partner, and because it’s just a sheet, both of you get full edit access without per-seat add-ons.
Monarch’s net-worth dashboard is polished but locked inside its app. Avery gives you the raw, categorized data in a Google Sheet, so you can build a net-worth tracker, charts, and dashboards exactly how you want — and they’re yours to keep.
Monarch is $14.99/month (or $99.99/year) with only a 7-day trial and no free tier. Avery is free to start and $9.99/month when you upgrade — and you’re never on a trial clock.
With Monarch your financial data lives in their cloud; you can export a CSV snapshot, but the working data isn’t yours to control. Avery keeps every transaction in a Google Sheet in your own Drive.
• AI Categorization
Avery's AI automatically organizes and categorizes your transaction data based on your rules, keeping your budget updated without you lifting a finger.
• Auto Update
Import every transaction across all your accounts with just two clicks, giving you an instant, accurate view of your finances going back two years.
• Custom Rules
Avery automatically categorizes your data and syncs your accounts daily while you sleep, so you stay updated without lifting a finger.
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