OmniAccount vs Monarch Money
Beautiful tracking meets
real enforcement.
Monarch shows you where your money went. OmniAccount controls where it goes. Same great tracking. Actual spending control.
Monarch does tracking right
If you moved to Monarch after Mint shut down, you made a great choice. Monarch gives you:
- ✓ Beautiful dashboards that make finances actually pleasant to look at
- ✓ Shared access for couples to see everything together
- ✓ Solid auto-categorization that learns your patterns
- ✓ Net worth tracking across all your accounts
But tracking has one fundamental problem:
"You spent $847 on dining out this month."
Great. Thanks. But the money's already gone.
- ✗ Alerts don't stop spending. Getting a "you've exceeded your budget" notification doesn't un-spend the money.
- ✗ Awareness isn't action. Knowing you overspend on Amazon doesn't stop the next Prime purchase.
- ✗ Retroactive reports. Monthly summaries tell you what happened, not what's happening.
What if tracking could take action?
OmniAccount keeps everything you love about Monarch—and adds the power to actually control spending.
Monarch
"You spent $600 on groceries. You were $100 over budget."
OmniAccount
"You've spent $500 on groceries. $100 left this month. Card declined at checkout when you tried to spend $150."
The key differences
Virtual Cards That Enforce
Every budget category gets a virtual card. Groceries card. Gas card. Entertainment card. Each one automatically stops when that category's budget is reached.
Real-Time, Not Retrospective
No more end-of-month surprises. Know exactly where you stand with every swipe. Enforcement happens at the moment of purchase, not in a report three weeks later.
Family That Extends Beyond Couples
Monarch is great for couples. OmniAccount works for couples, kids, teens, and extended family. Everyone gets appropriate controls and visibility.
AI That Takes Action
Monarch's AI categorizes. OmniAccount's AI categorizes, detects patterns, spots anomalies, and suggests optimizations. Intelligence that leads to savings, not just insights.
Feature Comparison
Side-by-side: what each platform offers.
Monarch
Tracking
- ✓ Bank aggregation
- ✓ Net worth tracking
- ✓ Investments
- ✓ Spending reports
Budgeting
- ✓ Budget categories
- ✓ Budget alerts
- ✗ Real-time enforcement
- ✗ Transaction blocking
Cards & Family
- ✗ Virtual cards
- ✓ Couples sharing
- ✗ Kids accounts
Pricing
$14.99/mo
7-day trial
OmniAccount
Tracking
- ✓ Bank aggregation
- ✓ Net worth tracking
- ✓ Investments
- ✓ Spending reports
Budgeting
- ✓ Budget categories
- ✓ Budget alerts
- ✓ Real-time enforcement
- ✓ Transaction blocking
Cards & Family
- ✓ Virtual cards
- ✓ Couples sharing
- ✓ Kids accounts
Pricing
$14.99/mo
Founding: $9.99/mo forever
| Feature | Monarch | OmniAccount |
|---|---|---|
| Tracking & Visibility | ||
| Bank account aggregation | ✓ | ✓ |
| Transaction categorization | ✓ | ✓ |
| Net worth tracking | ✓ | ✓ |
| Investment tracking | ✓ | ✓ |
| Spending reports | ✓ | ✓ |
| Subscription detection | ✓ | ✓ |
| Budgeting | ||
| Budget categories | ✓ | ✓ |
| Budget alerts | ✓ | ✓ |
| Budget rollover | ✓ | ✓ |
| Real-time budget enforcement | ✗ | ✓ |
| Transaction blocking at limit | ✗ | ✓ |
| Goals | ✓ | ✓ + AI suggestions |
| Cards & Control | ||
| Virtual card issuance | ✗ | ✓ |
| Per-category cards | ✗ | ✓ |
| Spending limits on cards | ✗ | ✓ |
| Merchant category blocking | ✗ | ✓ |
| Physical card | ✗ | 1 per member |
| Family | ||
| Shared access for couples | ✓ | ✓ |
| Kids/teen accounts | ✗ | ✓ |
| Parental controls | ✗ | ✓ |
| Per-user cards with limits | ✗ | ✓ |
| Pricing | ||
| Monthly price | $14.99/mo | $14.99/mo |
| Founding member price | — | $9.99/mo forever |
| Free trial | 7 days | 30 days |
Which is right for you?
Honest guidance on which platform fits your needs.
Stick with Monarch if...
- • Knowing where money goes is enough for you to change behavior
- • You have the discipline to stop spending when you see alerts
- • You don't want or need separate cards for different categories
- • You're just tracking for a couple with no kids who need controls
- • You love Monarch's specific interface and don't want to relearn
Choose OmniAccount if...
- ✓ You know you overspend despite tracking—and you want it to stop
- ✓ You want hard limits that actually prevent overspending
- ✓ You have kids or teens who need controlled spending
- ✓ You want AI that suggests improvements, not just categorizes
- ✓ You're tired of after-the-fact reports and want real-time control
Frequently Asked Questions
What's the difference between OmniAccount and Monarch?
▾
Monarch excels at tracking and visualizing your finances with beautiful dashboards. But tracking tells you about spending after it happens. OmniAccount adds real-time enforcement through virtual cards—when you hit your budget limit, spending actually stops.
Does OmniAccount have the same tracking features as Monarch?
▾
Yes. OmniAccount provides bank aggregation, transaction categorization, net worth tracking, and spending reports similar to Monarch. The difference is OmniAccount can act on this information by declining transactions that exceed your budget.
Is Monarch better for couples than OmniAccount?
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Monarch is excellent for couples who want to track together. OmniAccount is better for couples who want to enforce together. Both support shared access, but OmniAccount gives each partner their own cards with shared or separate budget limits.
Should I switch from Monarch to OmniAccount?
▾
Consider switching if you consistently exceed your budgets despite tracking them in Monarch. If knowing you overspent isn't enough—if you need spending to actually stop when you hit your limit— OmniAccount adds that enforcement layer.
Can I use both Monarch and OmniAccount?
▾
Technically yes, but there's no need. OmniAccount provides the same tracking capabilities as Monarch plus enforcement. Using both would be redundant and expensive. If you love Monarch's specific visualizations, you could keep it for reporting while using OmniAccount cards for enforcement.
What about Monarch's lifetime deal?
▾
Monarch's $249.99 lifetime deal is excellent value if you only need tracking. If you need enforcement, you'd need to add another service anyway. OmniAccount's founding member price ($9.99/mo forever) gives you tracking plus enforcement in one platform.
Ready for tracking that takes action?
Join the waitlist for early access. Founding members lock in $9.99/month forever.
Be first in line when we launch.