I use monarch and I'm happy with it. Haven't used simplifi so can't compare.
this post was submitted on 29 Jan 2025
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What features do you like best?
It didn't force me into any weird bucket systems and felt like it clicked naturally with how I budget. The app is nice and works well, creating rules is easy. I don't really have anything to compare against, but it just all works for me.
One thing that I thought I saw on the webpage is that you can create your own categories and have the app learn how you categorize things. One thing I dislike about Simplifi is it will NEVER categorize a transaction into one of your custom categories, only ever using a default one. Is that true for Monarch?
No, you can make rules to do anything you want. I've never had to do anything too complex, I just set one transaction the way I want and then hit yes when it offers to make it a rule.
Don't know. But I did a quick search and found a number of sites doing comparison reviews.
First one specifically mentions Monarch is better for couples.
I investigated these but landed on copilot. Copilot is the least sucky of the options, but still sucky.
What convinced you to use Copilot over the others?
Probably the UX