MintValt vs. Monarch.
Monarch shows every amount with a $ and converts nothing. MintValt keeps each account in its own currency and adds them all up, from any bank, without a bank login.
where my money is
salary, London£3,900
savings, TorontoC$9,000
mum, Berlin€1,300
= ?
What each app makes of it
- Monarch
- $3,900 + $9,000 + $1,300?
- MintValt
- about $13,300, all of it
Side by side
| Topic | MintValt | Monarch |
|---|---|---|
| Currencies | 150+. Each account keeps its own, and totals are converted into the one you pick | Every amount is shown with a $ and nothing is converted. Monarch recommends USD or CAD accounts only |
| Bank login | Never asked for. MintValt does not connect to banks | Syncs your accounts through a bank connection |
| Price | $100 a year, or $10 a month, for everything | $99.99 a year, or $14.99 a month |
| Free trial | 30 days, every feature, no card | Your first week |
| Forecast | Six months ahead, with what-if scenarios | Forecasting tools, on the Plus plan |
Checked against Monarch's own website on 17/10/2026. Prices in US dollars. Something out of date? Tell us and we will fix it.
Switching from Monarch?
Your history comes with you. Nothing to export from Monarch.
- 1
Download a year of statements
From each bank, as PDF or CSV. Any bank, in any country.
- 2
Upload them
MintValt reads every row and files it, each account in its own currency.
- 3
See it all, added up
Your history arrives in the currency you pick, at each month's own rate.
Common questions
- Does Monarch work with accounts outside the US and Canada?
- Its help centre recommends connecting only USD or CAD accounts, because it does not convert currencies. MintValt reads statements from any bank and converts 150+ currencies.
- Why does MintValt not sync with my bank like Monarch does?
- On purpose. Syncing means handing your bank login, or a token for it, to a connection service. MintValt asks for nothing but the statements you already download, and does not keep the files.
- Is uploading statements a lot of work?
- Download the statement your bank already gives you, then upload it or forward the bank email. The AI reads the rows and categorises them for you to check.
- Can I share MintValt with a partner?
- Yes. A household is shared with up to six people, each with their own login, and you choose which accounts are shared.
The best comparison is your own numbers.
Upload one statement and see what yours add up to. Get in line now, and start the day your invite arrives.