SubScale vs Monarch Money
Start free and keep your records on your own phone.
Feature Comparison Table
SubScale vs Monarch Money
| What matters | SubScale | Monarch Money |
|---|---|---|
| Keep using it free | 10 subscriptions, trial tracking and a widget | Paid subscription after the trial; no permanent free plan |
| Works without Wi-Fi or mobile data | Core tracking and reminders work offline. Fresh rates and logos need internet. | Account refresh and cross-device sync need internet; offline coverage not verified |
| Track different currencies together | See supported currencies together in your chosen currency. | Recommends USD/CAD connected accounts; mixed-currency conversion not established |
| 100% local tracking records | 100% of your tracking records stored on your device. No SubScale cloud upload. | Financial records sync across web and phones |
| No signup | No SubScale account required | Monarch account required |
| Bank access | No bank connection used | Connected accounts power automatic tracking |
| Ads | None, including the free plan | No ads |
Prices vary by region and platform. Applicable taxes may differ.
Why choose SubScale? Choose SubScale for a permanent free plan and private subscription tracking without a financial-account connection.
What you get with SubScale
Complete privacy, offline tracking, and full control over your recurring costs.
| What matters to you | What SubScale gives you |
|---|---|
| Start without paying | 10 subscriptions, free trial tracking, basic reminders and widgets — Free. No ads. |
| Keep your information private | No signup. No bank connection. No personal information collected by SubScale. 100% of your tracking records are stored on your device, with no SubScale cloud upload. |
| Track more than subscriptions | Subscriptions and everyday expenses in one app. Enter and manage your own records. |
| Pay in different currencies | See supported currencies together in your chosen currency. Less mental maths. |
| Check what is coming up | Flip cards and a free home-screen widget. Week, month and year calendar views — Premium. |
| Understand and share your spending | Category insights and top spenders, plus PDF and Excel reports you can share with family — Premium. |
| Use it without internet | Core tracking, saved records and reminders work offline. Fresh exchange rates and logos need internet. |
| Switch phones on your terms | Encrypted backup code created on your phone; restore on Android or iPhone — Premium. No SubScale cloud account. Keep your backup code safe. |
| Stay in control | You choose what to track and edit. Premium adds unlimited subscriptions and management tools. |
| Affordable Premium | US iOS: $12.99/year. India: ₹999/year on iOS and Android. A permanent free plan is also available. |
Managing an entry in SubScale does not cancel the subscription with its provider. Backups are manual; keep your encrypted code to restore your records. Reports and backup codes leave your phone only when you choose to copy or share them.
Start with SubScale. Keep your spending under your control.
Track 10 subscriptions free, with free trial tracking, widgets and no ads.Want the full toolkit? Try Premium free for 3 months with SUBSCALE26.
Sources & Verification
Reviewed on 5 October 2026 from official competitor listings and documentation.
- Monarch official feature overview
- Monarch pricing model
- Monarch availability and trial
- SubScale facts verified from official release assets, owner confirmations, and the official App Store listing.
Disclaimer: Third-party features, terms, and pricing are subject to change by their respective providers. SubScale provides manual on-device subscription and expense tracking.