Compared
Orla vs Monarch.
Monarch budgets bank money in America and Canada. Orla budgets the same money next to exchanges and wallets.
Prices and coverage below checked on 28 August 2026, on Monarch's own pricing and download pages.
Side by side
What each one is, and what it costs.
The honest version, including the row where they win.
| Orla | Monarch | |
|---|---|---|
| What it isIn one sentence | One book for banks, exchanges and wallets, with budgets, invoices and tax | A budget and a net worth tracker for a household, with planning on the upper tier |
| PriceTheir pricing page, this month | Free plan with no time limit and no card; paid from $25 a month | Core $14.99 a month or $99.99 a year; Plus $199.99 a year; no free tier, and the 7 day trial asks for a payment method |
| Where it worksWho can sign up | Open banking in Europe, the UK and the US; statements and cash anywhere | "In the United States and Canada", in their own words |
| CryptoExchanges and wallets | Native: six exchanges, four kinds of chain, cost basis kept through swaps | One integration, Coinbase. No other exchange or wallet is named on their pricing page |
| Getting paidInvoices and pay links | Invoices, pay links, reminders, cards | None; it is not what Monarch is for |
| SharingMore than one person | Spaces with roles: family, group, business, each with its own books | A partner for free, and read only access for a financial professional |
| A business inside itIf you also invoice | A business space with roles, approvals, VAT returns and an accountant seat | On Plus: an LLC, a rental or a side business tracked apart, with P&L and export ready reports |
| Phone appsWhere they win today | An iPhone app is built and close to the store. Until it lands, Orla installs from the browser on iPhone and Android, full screen and with its own icon | App Store, Google Play, iPad and web |
Fair is fair
When Monarch is the right choice.
A comparison you can trust has to be able to say this.
- →Your money sits in American or Canadian banks, and none of it is on a chain
- →You want retirement forecasting, an investment breakdown and a will, none of which Orla does
- →You want the app from a store today, rated by a hundred thousand people
Where Orla is different
The money Monarch counts once, or not at all.
If any of these is your money, the comparison decides itself.
- →Coins that move: a sale, a stablecoin invoice, a transfer between your own wallets, each a line in the budget
- →Money that arrives against an invoice, chased without you and marked paid when it lands
- →A bank outside the United States and Canada
Questions
The questions the table does not answer.
Does Monarch support crypto?
Their pricing page names one crypto integration, Coinbase, on both tiers, and no other exchange or wallet. Orla connects six exchanges and four kinds of chain, keeps a cost basis through swaps and transfers, and budgets those transactions next to the bank ones.
Can I use Monarch outside the United States?
Their download page says web, iPhone, iPad and Android “in the United States and Canada”. Orla connects banks through open banking in Europe, the UK and the US, imports statements from anywhere, and reads exchanges and wallets wherever you live.
Is Orla cheaper than Monarch?
Monarch publishes no free tier: Core is $14.99 a month or $99.99 a year, Plus is $199.99 a year, and the 7 day trial asks for a payment method up front. Orla has a free plan with no time limit and no card, and paid plans from $25 a month.
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Read next: budgeting apps that handle crypto, how Orla compares with YNAB.
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