Outside the US and Canada.
Its FAQ says Monarch is only available in the US and Canada, and its help centre says it doesn’t convert between currencies. An account in another currency is added up as if it were US dollars.
cent4cent vs Monarch
Monarch labels your transactions. cent4cent keeps your books.
A subscription budgeting app built on bank feeds: accounts, transactions, budgets, goals, a shared view for couples, and an AI assistant that can explain your numbers. It’s the most complete of the feed-based apps.
Claims about Monarch come from its own help centre and pricing page, as read in September 2026, paraphrased and rounded, with links below. Something wrong? support@cent4cent.com.
When Monarch is the better choice.
A household in the United States or Canada with one currency that wants bank feeds, a shared view with a partner and a dashboard to check in on. If that’s you, it’s a good product.
Where Monarch runs out.
Money someone owes you.
Its help centre suggests a Reimburse tag, or hiding a reimbursed transaction from your budget. Neither keeps what you’re owed as a figure, so the dinner you fronted and what your company owes you are tracked in your head.
Whether the number is right.
Monarch sorts with AI and can flag new transactions for you to review, but there’s no step where an account is checked against its statement. A missing or doubled transaction stays missing or doubled.
Monarch and cent4cent, side by side.
| Monarch | cent4cent | |
|---|---|---|
| Sorting your transactions | Sorted by its AI, with a rule offered when you change one | Done for you, and re-sorted back through your history as it learns |
| When it isn’t sure | Can flag new ones for you to review | Asks you in plain words, and keeps the answer as a rule |
| Money owed to you | A tag, or a hidden transaction | Kept by person, and closed automatically when they pay you back |
| A private holding and its terms | A balance you update, plus company share grants | Your figure, with its terms said in a sentence: a co-owner, a loan against it, tax to come |
| A second currency | No conversion | Each account in its own currency, with what the rate did on its own line |
| What moved your net worth | Explained in words by its AI | Every month split into saved, markets and currency, to the cent |
| Checks every account against your bank | No | Every account, every month, to the cent |
| Australian banks | No, US and Canada only | Any bank or fund, from its statements |
| Price | From about US$100 a year | A$10 a month or A$100 a year |
The sample month, kept in cent4cent.
In cent4cent the US-dollar shares stay in US dollars, Sam’s A$412 is a figure until he pays it back, and every account is matched to its statement.
See last month in cent4cent, next to Monarch.
Bring last month in and compare the two. 14 days free, no card needed.