Monarch Money

Monarch Money is an all-in-one personal finance app that stands out with its built-in investment tracking. Unlike YNAB which focuses solely on budgeting, Monarch gives you a complete view of your financial picture: budget, net worth, investments and planning.

The app uses three bank connection providers (Plaid, Finicity and MX), giving it the best possible coverage for Canadian banks. If your bank doesn't work with Plaid, it might work with Finicity or MX.

Monarch offers unlimited sharing for couples, making it the best choice for households that want to manage finances together. The interface is modern and intuitive, with detailed graphs of your spending habits.