mPiggy The short version: Monarch Money is a polished US aggregator—great if you bank in the US and want one paid dashboard for accounts and investments. mPiggy is free at the core, keeps your data on your device, and actually works in Poland and the EU. If Monarch can’t link your banks, mPiggy is the practical choice.
What is mPiggy?
mPiggy tracks wallets, transactions, budgets, goals, liabilities, and statistics on your device. Bank sync and AI are optional add-ons—you do not pay just to open the app, and there is no account required.
What is Monarch Money?
Monarch links US banks, cards, and investment accounts, with budgets, goals, couples planning, and extensive reports—behind a subscription. It is $14.99/month or $99.99/year for Core (a $199/year Plus tier adds more), with a 7-day trial that requires a card and no permanent free tier. Many former Mint users adopted it as the “new Mint.” Its bank integrations target the United States.
mPiggy vs Monarch by category
Pricing. Monarch is premium and subscription-only; mPiggy’s core is free, with optional add-ons. If you mainly want to budget, that is a meaningful yearly difference.
Geography. This is the deciding factor for many readers. Monarch’s automatic connections are US-centric, so users in Poland and the EU often cannot replicate the experience. mPiggy ships a Polish UI and region-appropriate Bank Connect.
Scope. Monarch is broader on the investment/aggregation side—US brokerage tracking and net-worth dashboards. mPiggy focuses on day-to-day budgeting, goals, and liabilities rather than US investment aggregation.
Privacy. Monarch is cloud-first by necessity (it aggregates accounts). mPiggy is offline-first—less of your financial life sitting in a foreign SaaS cloud by default.
Who mPiggy is best for
- You are in Poland or the EU, where Monarch can’t reliably link banks.
- You want to budget without a subscription.
- You prefer your data on your device.
- You want a Polish UI.
Who Monarch Money is best for
- You bank in the US and want automatic aggregation of accounts and investments.
- You want a premium, comprehensive dashboard in the “new Mint” style.
- You are happy paying for breadth and cloud convenience.
Getting started with mPiggy
Install the free app, add wallets, and import history from a file (CSV, OFX, QFX, QIF). No card, no trial clock—use it as long as you like.
Summary
Monarch is a premium US aggregator; mPiggy is a free, offline budget that works from Poland/EU. If Monarch cannot link your banks—or you simply do not want a subscription—start with mPiggy.