Monarch Money alternative
The Monarch alternative that shows you what's coming.
Monarch tracks the past in beautiful detail. Recurna projects the future — week by week, 52 weeks out — and lets you test any change in a sandbox before it happens. $8 CAD, not $20.
Two different bets on your money
Forecast the future, or chart the past.
Forecast-first — Recurna
We show you what your dollars are already going to do, 52 weeks out, and let you test changes in a sandbox before any of them happen. Anchor each recurring pattern once; the year draws itself. No envelopes, no zero-sum ritual.
Track + sync — Monarch
Monarch connects to your banks and shows last month in excellent detail — clean charts, smart categorisation, collaborative household budgets. The view is beautiful — and mostly rear-view. Light projection features exist, but the forecast isn't the product.
Side by side
Recurna vs Monarch.
Recurna
- Core approach
- Forecast-first
- How far ahead you see
- 52 weeks — unlimited on Pro
- What-if sandbox
- Yes — on Pro
- Weekly cash-flow view
- Yes
- Works without bank sync
- Yes — manual-first, no Plaid
- Data stays out of US aggregators
- Yes
- Price (CAD / mo)
- $8
Monarch
- Core approach
- Track + sync
- How far ahead you see
- Light projection
- What-if sandbox
- —
- Weekly cash-flow view
- Monthly
- Works without bank sync
- Sync-centric
- Data stays out of US aggregators
- —
- Price (CAD / mo)
- ≈$20
Monarch price in CAD, converted from USD, verified May 2026. Recurna is $8 CAD/month, or $72/year (works out to $6/mo).
Your $8 forecast. Monarch's $20 tracker.
Monarch is around $20 CAD/month. Recurna is $8 — and tells you what's coming instead of what happened. The unlimited horizon and what-if sandbox aren't sold at any price by Monarch.
See the full pricing →Common questions
Switching from Monarch.
Is Recurna a good Monarch Money alternative?
Monarch is beautifully designed for tracking what happened last month. Recurna is built for what happens next — it projects your real balance week by week, 52 weeks out, and lets you test any change in a sandbox before you commit. If you want to see the future instead of the past, Recurna is the right fit.
Does Recurna sync to my bank accounts?
Recurna is manual-first. You anchor recurring patterns — paycheque, rent, subscriptions — once, and the forecast draws itself. No Plaid, no US data aggregators. For people who don't want their bank credentials shared with third parties, that's the point.
What does Recurna do that Monarch doesn't?
Recurna shows your rolling balance week by week — 52 weeks by default, further on Pro — and includes a what-if sandbox where you can test any future change before committing to it. Monarch's projection features are light; its strength is beautiful historical tracking.
How is the price different?
Monarch is around $20 CAD/month. Recurna is $8 CAD/month — about half. The free tier gives you a 12-week forecast forever. Pro unlocks the unlimited horizon and the what-if sandbox.
Coming from Monarch?
See your year. Test the future before you live it.
Founding members get Pro free for a year, then $6/mo locked for two more. A free 12-week tier ships at public launch.
Recurna Flow is in invite-only beta — apply for a founding seat .