Subskim vs Monarch Money
Monarch Money is a paid budgeting app for the US and Canada that brings your financial accounts into one view and detects recurring charges from synced transactions. Subskim is a free renewal calendar you fill in by hand or from a screenshot, with no bank connection and each subscription in its own currency.
Last updated October 15, 2026
Subskim vs Monarch Money, feature by feature
| Feature | Subskim | Monarch Money |
|---|---|---|
| How subscriptions get in | Added by hand or imported from a screenshot of a billing page, up to 50 imports a month | Detected from synced transactions for you to review, or added by hand as a recurring merchant |
| Bank connection | Not needed; Subskim never asks for bank logins | Connects your accounts through third-party data providers; manual accounts are also supported |
| CSV import | No | Yes, transaction history from a CSV file, on web only |
| Where it works | Anywhere; each subscription keeps its own currency and totals convert to your main currency | US and Canada only; amounts show a $ sign with no currency conversion |
| Renewal calendar | Yes, the core view, with a list and a dashboard of monthly and yearly totals | Yes, a recurring calendar and list for subscriptions, bills and paychecks |
| Reminders | Not yet; email and push reminders are coming next | Yes, payment reminders, plus email and push notification settings for recurring merchants and accounts |
| Budgeting and net worth | No; monthly and yearly subscription totals only | Yes, budgets, net worth, goals and reports |
| Apps | Web now; iOS and Android coming soon | Web, iPhone, iPad and Android |
| Price | Free, every feature included, no card to sign up | Paid only: Core $14.99/month or $99.99/year, Plus $199.99/year (USD); 7-day free trial with a payment method |
Choose Subskim if
- You want to track subscriptions without linking bank accounts or paying for an app.
- You live outside the US and Canada, or pay for tools in more than one currency.
- You want free trials flagged with the date they convert and the price, and a monthly review to keep, downgrade or cancel.
Choose Monarch Money if
- You bank in the US or Canada and want recurring charges found in your synced accounts, with notifications today.
- You want budgets, net worth, goals and reports in the same app, and to import transactions from CSV files.
- You share finances with a partner: household members get their own logins under one subscription at no extra cost.
Monarch Money details checked on October 15, 2026 from Monarch Money's public pages. Plans and features change, so check their site for the latest.Monarch pricing pageMonarch download pageMonarch in CanadaMonarch tracking features pageHelp Center: Tracking Recurring Expenses and BillsHelp Center: Monarch FAQsHelp Center: Connect or Manually Add AccountsHelp Center: Manual AccountsHelp Center: Importing Transactions ManuallyHelp Center: International Accounts and CurrencyHelp Center: PricingMonarch on the App Store (US)
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