A Monarch Money alternative without bank sync
Beyond Payday is for households who want a plan — bills, what’s left, net worth and retirement — without syncing accounts. If you want synced accounts and category budgets, Monarch may suit you.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo).
Why people switch to Beyond Payday
No bank login, ever
Type your numbers in or import a spreadsheet.
Retirement, month by month
On Pro, to age 95 with Social Security, pensions and taxes.
Kids included, with permissions
Owner, spouse or partner, and children, each with per-feature access.
A free debt payoff plan
Avalanche or snowball, with a projected debt-free date.
Beyond Payday and Monarch at a glance
Yes (their site says so) No (their site says so) Couldn’t confirm
| Feature | Beyond Payday | Monarch |
|---|---|---|
| Price | Free plan, or Pro at $9/mo or $90/yr | Couldn’t confirm on their site |
| Free plan | Yes. Income, bills, net worth, goals and debt payoff | Couldn’t confirm on their site |
| Free trial | Yes. 30 days of Pro, no card needed | Yes, their site says so: First week freesource: Monarch pricing page, checked Oct 1, 2026 (opens in a new tab) |
| Links bank accounts | No. By design: no bank login needed | Yes, their site says so: Yes, via data providerssource: Monarch help: Data Providers and Connections, checked Oct 1, 2026 (opens in a new tab) |
| Household sharing | Yes. Owner, spouse or partner, and kids, with per-person permissions | Yes, their site says so: Members free, own loginssource: Monarch help: Add Members, checked Oct 1, 2026 (opens in a new tab) |
| Retirement plan | Yes. On Pro: month by month to age 95 | Yes, their site says so: Forecasting (Plus tier)source: Monarch help: Forecasting, checked Oct 1, 2026 (opens in a new tab) |
| Social Security timing | Yes. On Pro: any claiming age 62–70, spousal and survivor | Yes, their site says so: In Forecastingsource: Monarch help: Forecasting in Monarch, checked Oct 1, 2026 (opens in a new tab) |
| Debt payoff plan | Yes. Free: avalanche or snowball, with a debt-free date | Yes, their site says so: Pay down goalssource: Monarch blog: Goals, reimagined, checked Oct 1, 2026 (opens in a new tab) |
| Business tracking | Yes. On Pro: one or more businesses | Yes, their site says so: On its Plus tiersource: Monarch blog: Introducing Monarch Plus, checked Oct 1, 2026 (opens in a new tab) |
| AI assistant | Yes. On Pro: Beth answers from your own numbers | Yes, their site says so: AI Assistantsource: Monarch blog: Winter Release, checked Oct 1, 2026 (opens in a new tab) |
| Connects to ChatGPT & Claude | Yes. Connect either one to your own data | Couldn’t confirm on their site |
| Data export | Yes. Every plan: a .zip of JSON and CSV files | Yes, their site says so: Transaction CSVsource: Monarch help: Downloading Transaction History, checked Oct 1, 2026 (opens in a new tab) |
| Tracks transactions | No. By design: no transaction busywork | Yes, their site says so: Yessource: monarch.com, checked Oct 1, 2026 (opens in a new tab) |
| Platforms | iPhone, Android and Windows apps, plus a web app you can install on any phone or computer | Yes, their site says so: Web, iOS, Androidsource: monarch.com, checked Oct 1, 2026 (opens in a new tab) |
| Category budgets | No. By design: needs, wants and what’s left | Yes, their site says so: Yes, plus flex budgetingsource: Monarch help: Creating Your Budget, checked Oct 1, 2026 (opens in a new tab) |
Based on each company’s own website, checked Oct 1, 2026. A – means we couldn’t confirm it on their site; features change, so check with them. Beyond Payday isn’t affiliated with Monarch.
Something wrong or missing? Let us know and we’ll review it and update this page.
Beyond Payday is a great fit if…
- You want your plan without syncing accounts.
- You want retirement mapped out month by month.
- You want kids in the account with limited access.
Might not be for you if…
- You want accounts synced and transactions budgeted by category.Source: Monarch help: Data Providers and Connections (opens in a new tab), verified Oct 1, 2026Source: Monarch help: Creating Your Budget (opens in a new tab), verified Oct 1, 2026
- You live in Canada. Beyond Payday is US-only.Source: Monarch FAQs (opens in a new tab), verified Oct 1, 2026
How switching works
Import or type in your bills, assets and debts
CSV, TSV or XLSX files work. Transactions don’t carry over — Beyond Payday doesn’t track them. How import works
Add your income
Type it in, or scan a paystub photo and review what it fills in (3 scans on Free, unlimited on Pro).
Leave any time with your data
Export everything as a .zip of JSON and CSV files, on every plan.
Questions
- Does Beyond Payday link to my bank?
- No. It never asks for a bank login. You type your numbers in or import them from a spreadsheet, and you keep them current.
- Can Beyond Payday project my retirement?
- Yes, on Pro. It projects your money month by month to age 95, with Social Security, pensions, taxes and an optional Monte Carlo run. Projections are estimates, not guarantees, and not financial advice.
- Can I bring my data over?
- Beyond Payday imports bills, assets and debts from a CSV, TSV or XLSX file, so a spreadsheet of your recurring bills and account balances works well. Monarch’s help center describes downloading an account’s transaction history as a CSV file, but transactions do not carry over, because Beyond Payday does not track individual transactions.Source: Monarch help: Downloading Transaction History (opens in a new tab), verified Oct 1, 2026
- Can my partner and kids use it too?
- Yes. One account covers the household: an owner, a spouse or partner, and children, with per-feature permissions for each person. One subscription covers everyone.
- Is there a free plan?
- Yes. The Free plan covers the dashboard, income, bills, assets, debts, net worth, goals, the Scenario Tester, import and export. Pro adds retirement planning, business tracking and Beth, the AI assistant. New accounts start with a 30-day Pro trial with no card needed, and keep the Free plan afterward unless they subscribe.
- Can I use it outside the US?
- No. Beyond Payday is built for US households only: amounts are in US dollars, and taxes and Social Security rules are US-only.
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Facts verified Oct 1, 2026 from each company’s own website (or an archived copy of it); features change — check the provider for current details.
Current details from each provider: monarch.com (opens in a new tab).
Monarch Money and Monarch are trademarks of their respective owners. Beyond Payday has no affiliation with or endorsement from them.
Beyond Payday is a planning tool, not a financial advisor. Its figures are estimates based on what you enter, not guarantees.
Plan your household’s money without connecting accounts
Income, bills, what is left each month, net worth and, on Pro, retirement. No bank login.
30 days of Pro free — no card; keep the Free plan after unless you subscribe ($9/mo). After 30 days you keep the Free plan — no charge, no card.