Home / Comparisons / Origin vs Monarch
Origin vs Monarch (2026)
Price, free plan, features and SEC status side by side, from each company's own pages and the SEC database (verified 2026-10-26).
Origin
- Annual: $99/yr (≈$8.25/mo)
- Monthly: $12.99/mo
- New-member promo: $9 for first year, renews $99/yr (sign-up page); help center also describes a $1 first-year promo
Free plan: no · Trial: Not currently — help center says the free trial is unavailable during the first-year promo
Best for: One app for budgets, investments and occasional human planning
Our take: The broadest all-in-one here: budgeting, investing and an AI advisor for one flat membership. Good value if you'll use three or more features. Overkill if you only want a budget.
Try OriginMonarch
- Core: $99.99/yr (≈$8.33/mo); $14.99 monthly
- Plus: $199.99/yr (≈$16.67/mo)
Free plan: no · Trial: 7 days, payment method required
Best for: Couples and households sharing a budget
Our take: One of the best budgeting apps. It isn't an AI adviser. Think of it as excellent tracking.
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Feature by feature
| Origin | Monarch | |
|---|---|---|
| Starts at | $8.25/mo | $8.33/mo |
| Free plan | no | no |
| Free trial | Not currently — help center says the free trial is unavailable during the first-year promo | 7 days, payment method required |
| Budgeting | yes | yes |
| Planning | yes | yes |
| Portfolio analysis | yes | yes |
| Manages money | not listed | not listed |
| SEC-registered adviser | Yes, CRD 305353 | Not found in IAPD |
| AI feature | "Proactive AI Financial Advisor"; ask Origin anything about your money | AI Assistant ('ask anything'), weekly summaries |
| Last verified | 2026-10-26 | 2026-10-26 |
Which should you pick?
- Origin is best for: One app for budgets, investments and occasional human planning.
- Monarch is best for: Couples and households sharing a budget.
These picks are our editorial opinion. The facts above link to their sources on each app's page.
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