Monarch Money is one of the best general-purpose finance apps available. But if your money decisions start with your faith, you deserve an app that starts there too — at the same price.
“Where your treasure is, there your heart will be also.” — Matthew 6:21
When Mint shut down in 2024, Monarch Money became the default recommendation for people who want to see all their accounts, budgets, and investments in one place. It earned that spot: Monarch is polished, reliable, and genuinely good at tracking your financial life.
But tracking is not the same as stewardship. Monarch — like every mainstream finance app — treats giving as just another expense category. There is no tithe tracking, no biblical framework for how to divide your income, and no encouragement to be generous. It tells you where your money went; it has no opinion on where it should go.
Faithful Finance was built from the ground up on a different premise: your money is a resource you steward, not just a number you optimize. That means giving comes first (the biblical 10-10-80 framework), your tithe has a dedicated tracker with goals and history, and the AI coach answers with Scripture-informed wisdom — alongside all the practical features you would expect: Plaid bank sync, budgets, net worth, investments, debt payoff, retirement planning, and native mobile apps.
The remarkable part? The yearly price is essentially identical. You are not paying extra for the faith layer — you are choosing what your finance app is built around.
| Feature | ✦ Faithful Finance | Monarch Money |
|---|---|---|
| Biblical 10-10-80 budget framework | Yes | No |
| Tithe & giving tracker with goals | Yes | No |
| AI coach with biblical wisdom | Yes | General AI |
| Faith-based challenges & gamification | Yes | No |
| Monthly gift card drawing rewards (coming soon) | Yes | No |
| Stewardship & investing courses | Yes | No |
| Community & accountability partners | Yes | No |
| Bank account sync | Yes | Yes |
| Budgeting & spending analytics | Yes | Yes |
| Investment & net worth tracking | Yes | Yes |
| Couples / household finance | Yes | Yes |
| Debt payoff planning | Yes | Basic |
| Retirement projections | Yes | Basic |
| Mobile apps (iOS & Android) | Yes | Yes |
Based on publicly available feature and pricing information, which may change. This comparison reflects our honest understanding — always verify details with each provider.
$8.33/mo billed yearly ($99.99/yr)
About $99.99/yr, or $14.99/mo monthly
Monarch Money and Faithful Finance cost roughly the same per year and share the same practical core: connected accounts, budgets, investments, and a couples-friendly design. If you evaluate them on a generic feature checklist, both are strong.
The real question is what you want at the center of your financial life. Monarch is built around optimization — a superb dashboard for watching your net worth. Faithful Finance is built around stewardship — giving first, saving intentionally, living generously, and growing in community. If that resonates with how you actually want to handle money, the choice makes itself.
Yes — especially for Christians. Faithful Finance matches Monarch Money on the practical core (bank sync via Plaid, budgeting, investment and net worth tracking, couples support, mobile apps) at a nearly identical yearly price, and adds what Monarch does not offer: a tithe and giving tracker, the biblical 10-10-80 budget framework, an AI coach rooted in Scripture, faith-based challenges, courses, and community.
No. In Monarch Money, giving is handled like any other spending category. Faithful Finance has a dedicated giving tracker that records every tithe, offering, and donation, shows your giving as a percentage of income, and tracks progress toward your tithe goal.
Both are about $99.99 per year. Faithful Finance is $8.33/month billed yearly or $12.99/month billed monthly, and every subscription covers you plus your spouse. Monarch Money is around $99.99/year or $14.99/month. Pricing can change, so verify current rates with each provider.
Yes. Connect your bank accounts through Plaid and your transactions sync automatically — there is no manual data migration needed to get started. Your budget is then generated around the 10-10-80 framework, and you can adjust every category to match your real life.
Yes. The Steward plan includes investment portfolio tracking, and Steward Pro adds equity compensation tracking (RSUs, options, ESPP), asset and sector allocation analysis, diversification scoring, and concentration risk alerts.
Join Faithful Finance and manage money the way it was meant to be managed — with generosity, wisdom, and faith. 7-day free trial, then from $8.33/mo — everything included.