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NomadWealth vs Monarch Money
Monarch Money is one of the best post-Mint budgeting apps: bank sync, spending categories, shared budgets — around $99 a year, US/Canada-focused, in the cloud. But budgeting is its center of gravity; net worth is the summary line. NomadWealth starts where Monarch stops: the balance sheet itself — property, private loans, business income, holdings across currencies — with performance attribution and a year-end tax pack. It doesn't do budgeting, and it doesn't do bank sync; it does ownership.
| Feature | NomadWealth | Monarch |
|---|---|---|
| Budgeting & cash-flow tools | ||
| Automatic bank sync (US/CA) | ||
| Self-hosted, your own data | ||
| One-time price — no subscription | ||
| First-class multi-currency | ||
| Real estate | ||
| Private loans receivable | ||
| Business income & cash | ||
| Income separated from capital gains | ||
| Year-end tax pack at event-date FX | ||
| Return attribution by holding period | ||
| FIRE / net-worth projection |
If your problem is monthly spending, Monarch is the better tool — that's what it's built for. If your problem is knowing what you're worth across assets, currencies and countries — and owning that record yourself — NomadWealth is built for exactly that, for less than two years of Monarch.
The table shows the full Pro feature set. You can also start with the free Lite version — the same self-hosted app with honest caps — and upgrade in place.