Monarch Money shows your whole financial picture from the accounts you connect. Smartbills fills in the part a bank feed can't: what was on each receipt, who it should be split with, and when it can still be returned.
At a glance
Monarch Money is a personal finance app that connects bank, card, loan and investment accounts from thousands of institutions. It tracks spending, budgets, cash flow and net worth, finds recurring subscriptions, tracks savings goals and lets you invite a partner or a financial professional. It runs on the web, iPhone and Android.
Best for
People who want the detail behind each purchase, for splitting, returns and tax time.
Where it's stronger
Best for
Households who want every account, budget and goal in one shared view.
Where it's stronger
Every comparison on this site names what the other product does better. If we couldn't think of anything, we didn't publish the page.
Side by side
These are structural differences, not plan checkboxes. Capabilities change, so check the vendor's own documentation before deciding on any single row.
Every account and net worth in one view
Budgets and savings goals
Itemized receipts matched to charges
Splitting a purchase by item
Recurring subscriptions found
Return and warranty reminders
No need to give up your budget. Keep it where it is, and let Smartbills keep the receipts behind the spending.
Smartbills doesn't replace your budget or net worth view.
Receipts sent through Smartbills arrive, matched to the charge.
Forward or upload emailed receipts, and photograph the paper ones.
Share a receipt with your household and track who owes what.
FAQ
What people ask us before they sign up.
Keep comparing
The products people evaluate alongside Monarch Money.
YNAB plans every dollar before you spend it. Smartbills keeps the itemized receipts behind your spending, for splitting, returns and tax time.
Read the comparisonCopilot Money is a polished budget and investment tracker for Apple devices. Smartbills keeps the itemized receipts behind your spending, on iPhone and Android.
Read the comparisonRocket Money finds subscriptions and can cancel them for you. Smartbills flags them too, and adds the itemized receipt behind every other purchase.
Read the comparisonPocketGuard shows what's left to spend after bills. Smartbills keeps the itemized receipt for what you did spend, for splitting, returns and tax time.
Read the comparisonEach product works on its own, and when you run two, the same record carries from the receipt to the ledger entry.
The Smartbills receipt wallet for everything you buy: itemized receipts, email receipts you upload, and photos of the paper ones.
Split a bill by what each person actually had, starting from the receipt already on your phone, and the balance clears when a friend pays you back.
A tax receipt organizer that sorts medical, childcare, donation and tuition receipts by category as they come in and keeps a running total all year.
Get started
Get the app for free and connect the card you shop with. Receipts sent through Smartbills arrive on their own, and you photograph the rest.
