Looking for a Monarch alternative?
Monarch watches your whole financial life. FloosYo does one job: changing how you spend, one voice-logged expense at a time.
Monarch became the default Mint successor for a reason: it syncs everything, tracks net worth, and gives couples one shared dashboard. If that's what you need, it's genuinely good at it. But a dashboard that watches your money isn't the same as a tool that changes what you do with it. If your problem is spending, not visibility, the all-in-one approach can turn into a monthly report you glance at and close.
FloosYo vs Monarch at a glance
| FloosYo | Monarch | |
|---|---|---|
| Price | $9.99/mo · $99.99/yr | $14.99/mo · $99.99/yr, Plus $199/yr |
| Free trial | 48 hours, no credit card | 7 days, card required upfront |
| Focus | Changing spending habits | Full financial dashboard |
| Expense entry | Voice or manual, AI categorized | Bank import |
| Bank sync | — By design | ✓ 13,000+ institutions |
| Forward projections | ✓ Daily, monthly, yearly cost | — |
| Payday envelope assignment | ✓ | Category budgets |
| Net worth & investments | — | ✓ |
| Household sharing | — | ✓ |
| Platforms | iPhone | Web, iPhone, Android |
Where FloosYo is different
Awareness at the moment of spending
Bank sync tells you three days later. Saying "spent 15 dollars at Doordash" as it happens is what actually builds the habit.
Forward, not backward
Every expense shows its projected cost: a $5 daily coffee reads as $1,825 a year. Dashboards report the past; projections change the future.
Try it without handing over a card
48 hours of the full app, no credit card. Monarch's trial charges you unless you remember to cancel.
Nothing to link, nothing to leak
No aggregator sits between you and your bank. What you log is all the app knows.
When Monarch is the better choice
- You want net worth, investments and accounts in one dashboard.
- You manage money as a couple and need shared household access.
- You want transactions imported automatically from 13,000+ institutions.
- You budget on desktop or Android; FloosYo is iPhone only today.
48 hours, full app, no card
If it doesn't change how you spend, nothing to cancel.
Download on the App Store