# KeepUp vs Monarch Money (2026)

Monarch Money is a budgeting app that also tracks your net worth. KeepUp is a verified net worth ranking platform: it shows where your net worth ranks among real people and against your country's wealth data, and it tracks every account in any currency. Choose Monarch to budget. Choose KeepUp to see where you stand.

| Feature | KeepUp | Monarch Money |
| --- | --- | --- |
| Net worth ranking | Leaderboard of real people, overall and by country, region, and age | Not offered |
| Compare with national wealth data | Your percentile in 37 countries, by age | Not offered |
| Verified net worth | Verified badge when 80% or more of your assets come from connected accounts | Not offered |
| Budgeting | Not offered | Budgets, spending categories, and cash flow |
| Currencies | Any currency, converted into one display currency | No currency conversion. Monarch advises connecting only USD or CAD accounts |
| Countries | US, Canada, UK, Switzerland, EU, and EEA | Built for US and Canadian accounts |
| Account connections | Read-only, through Plaid. Crypto exchanges through SnapTrade (US) | Through Plaid, Finicity, and MX |
| Apps | Web app. iOS app in development | Web, iOS, and Android |
| Price | Free | $14.99 a month or $99.99 a year. No free plan |

## Choose KeepUp if

- You want to know where your net worth ranks, among real people and against your country's wealth data.
- Your money spans currencies or countries.
- You want a net worth tracker that is free.

## Choose Monarch Money if

- You want to budget: spending categories, cash flow, and monthly plans.
- You want native iOS and Android apps today.
- All your accounts are in US or Canadian dollars.

## Common questions

### Can I use KeepUp and Monarch together?

Yes. KeepUp connects to your accounts read-only, so it works alongside a budgeting app. Keep budgeting in Monarch and use KeepUp to see where your net worth ranks.

### How can KeepUp be free?

For US users, KeepUp has a [Marketplace](/marketplace) of financial products matched to the portfolio you track. If you take one, the provider pays KeepUp a referral fee, and you never pay more. No provider learns anything about you unless you ask for an introduction. See the [Advertiser Disclosure](/advertiser-disclosure).

### Is it safe to connect my accounts to KeepUp?

KeepUp can see your balances but can never move money: every connection is read-only, and there is no transfer, payment, or trading feature. You sign in to your bank on the bank's own page, so your login never reaches KeepUp. See the [Security page](/security).

### Can I take my data with me if I leave?

Yes. You can download all of your data as JSON, or delete your account, at any time from your settings.

## More comparisons

- [KeepUp vs Empower](/compare/keepup-vs-empower)
- [KeepUp vs Kubera](/compare/keepup-vs-kubera)

## Sources

Facts about Monarch Money checked on November 3, 2026.

- [Monarch pricing](https://www.monarch.com/pricing)
- [Monarch Help: International Accounts and Currency](https://help.monarch.com/hc/en-us/articles/360048393552-International-Accounts-and-Currency)
- [Monarch Help: Understanding Data Providers and Connections](https://help.monarch.com/hc/en-us/articles/33707613533972-Understanding-Data-Providers-and-Connections)

Written by KeepUp. Monarch Money is a trademark of its owner, and KeepUp is not affiliated with it. Something out of date? Email [support@keepup.finance](mailto:support@keepup.finance).

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Source: https://keepup.finance/compare/keepup-vs-monarch · KeepUp