HyWorth and Monarch compared
Two products that track what a household owns, listed alphabetically. Each fact comes from the product's own public pages, with the date we read it.
Currencies
- HyWorth
All 30 supported currencies, converted daily into one total in the currency you choose.
- Monarch
Not stated on its own public pages.
Countries' tax rules
- HyWorth
Tax brackets in the planner (Pro).
- Monarch
Not stated on its own public pages.
Planning
- HyWorth
Scenarios, tax brackets and Monte Carlo simulations (Pro).
- Monarch
Savings goals alongside your budget, and monthly and yearly forecasts of your spending.
Source: monarch.com/features/budgeting, read on 15 November 2026
Bank connections
- HyWorth
Optional, with Pro: bank and brokerage accounts in the United States and Canada. Elsewhere you enter balances yourself, once a month.
- Monarch
Connects through Plaid, Finicity, MX or Spinwheel.
Where data is kept
- HyWorth
Stored in Switzerland (Zurich), processed in the EU (Frankfurt).
- Monarch
Not stated on its own public pages.
Budgeting
- HyWorth
Budget tracking, on the free plan.
- Monarch
Two ways to budget, with rules that categorise transactions automatically.
Source: monarch.com/features/budgeting, read on 15 November 2026
Price
- HyWorth
Free plan. Pro is CHF 300 a year; founding members pay CHF 120 a year for the first 24 months.
- Monarch
$99.99 a year or $14.99 a month; the first week is free.
Where HyWorth is weaker
A fair comparison says where we fall short, too.
- There is no bank transaction feed: you can record transactions on an account by hand, but HyWorth is not built for day-to-day spending tracking. Finary (Plus and Pro) and Monarch track transactions automatically.
Who HyWorth is built for
For the family CFO with money in more than one country: track all of it, plan your life choices on it, and watch it grow.
How we compared
We read each product's own public pages and wrote down what they say. Where a product's pages do not say, the page says so; we do not guess, and we do not use reviews. We read every fact again at least every 120 days.
Spotted a fact that is out of date? Write to darius@hyworth.ai and we will check it.
See your own family's picture
HyWorth adds up every account, property and pension you have, in any of thirty currencies, converted with the rate shown. You then plan your life choices on that one number.
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