Choose Franklin AI for:
- Conversational guidance
- Answers before dashboards
- Immediate clarity
- Free preview, no card required
Choose Monarch for:
- Hands-on financial control
- Deep analytics
- Extensive customization options
- Free trial, card required
Franklin AI
Conversational AI advisor
Ask questions and get personalized analysis and next steps.
Guided Budgeting
Franklin tracks progress and incorporates your budget into conversational guidance.
Immediate understanding
Designed for instant clarity. No configuration required.
Beautiful visualizations
Clear Sankey money flow diagrams, no setup required.
Free preview without payment method
Free preview. No payment method is required.
Monarch
AI features
Informational insights based on your data.
Detailed Budget Controls
Highly customizable budgeting with rollovers, groups, and detailed category controls.
Advanced setup
Extensive customization options.
Beautiful visualizations
Customizable Sankey money flow diagrams based on your category structure.
Free trial with payment method
7-day free trial. Payment method required upfront.
Franklin AI
Monarch
Conversational AI advisor
Ask questions and get personalized analysis and next steps.
AI features
Informational insights based on your data.
Guided Budgeting
Franklin tracks progress and incorporates your budget into conversational guidance.
Detailed Budget Controls
Highly customizable budgeting with rollovers, groups, and detailed category controls.
Immediate understanding
Designed for instant clarity. No configuration required.
Advanced setup
Extensive customization options.
Beautiful visualizations
Clear Sankey money flow diagrams, no setup required.
Beautiful visualizations
Customizable Sankey money flow diagrams based on your category structure.
Free preview without payment method
Free preview. No payment method is required.
Free trial with payment method
7-day free trial. Payment method required upfront.
How Franklin Thinks About Money
Franklin is designed around one idea: most people don't want to manage their finances — they want to understand them.
- Simple, clean dashboards including Sankey diagrams that make sense the moment you open the app
- Clear category breakdowns you can drill into
- An AI advisor that answers your actual questions — "What am I overspending on?" "Can I afford this trip?" "Where is my money going?" — using your real spending data
- Budget tracking that works in the background, not as a full-time project
Franklin does the analysis for you, so you don't have to.
How Monarch Thinks About Money
Monarch is built for users who enjoy going deep on their finances.
- Extensive dashboards including Sankey diagrams, cash flow views, and investment analytics
- Long-term financial planning that stretches years into the future
- Built-in collaboration for couples at no extra cost
- Portfolio performance benchmarking against the S&P 500
- High levels of customization — categories, rules, groups, rollovers
For detail-oriented planners, that's a genuine strength.
Why some Monarch users switch to Franklin
- They're tired of tuning categories every month.
- They don't want to maintain rules to keep reports accurate.
- They ask "Where did my money go?" instead of building dashboards.
- They want to understand their money, not manage a system.