Pay Once. Not $180/Year.
Monarch Money costs $14.99/month or $99.99/year, every year. CheckSpent is a single payment of $7.95 AUD. You pay once, get your full subscription report, and you're done. No ongoing commitment.
Monarch Money charges $14.99/month — that's $180/year, every year. CheckSpent finds your hidden subscriptions for a single one-time payment, with no bank login and no account needed.
No account needed · No bank login · Results in minutes
Monarch Money costs $14.99/month or $99.99/year, every year. CheckSpent is a single payment of $7.95 AUD. You pay once, get your full subscription report, and you're done. No ongoing commitment.
Monarch Money requires connecting your bank accounts before showing you anything. CheckSpent works from a simple file upload — we detect your subscriptions without ever touching your bank.
Monarch Money only operates in the United States and Canada. CheckSpent works with bank statements from any country worldwide — Australia, UK, New Zealand, and beyond.
Every claim below is sourced directly from Monarch Money's official website.
| Feature | CheckSpent ✅ | Monarch Money |
|---|---|---|
| Pricing model | ✅ One-time $7.95 AUD | ❌ $14.99/month or $99.99/year |
| Requires bank login | ✅ No — file upload only | ❌ Yes — mandatory |
| Requires account creation | ✅ No account needed | ❌ Account required |
| Available outside US/Canada | ✅ Works worldwide | ❌ US and Canada only |
| Data retained after analysis | ✅ No data stored | ❌ Transaction history stored |
| Free trial | ✅ One-time $7.95 AUD — no trial needed | ⚠️ 7-day trial then $14.99/mo |
| Cancellation guides included | ✅ Yes, step-by-step | ❌ Not included |
| 1:1 savings session available | ✅ Yes ($395 AUD) | ❌ Not available |
Monarch Money pricing and features verified from monarchmoney.com as of April 2026. Features may change — check their site for the latest.
Export your transactions as PDF, CSV, or screenshot from your bank's app. Any bank, any country.
Our AI scans your statement and identifies every recurring charge, including ones you've forgotten about.
Get a full report with cancellation guides, negotiation templates, and savings estimates. Keep what you want, cut the rest.
Monarch Money is a powerful budgeting platform — but most people don't need ongoing monthly tracking. They just need to know what subscriptions they're paying for right now. CheckSpent gives you that answer in minutes, for a single one-time payment.
Start Your Free Check📋 About the accuracy of this comparison
This page is provided for general informational purposes only. All information regarding third-party products and services, including Monarch Money, is based on publicly available sources at the time of writing. We make no representations as to the accuracy, completeness, or currency of this information. Product features, pricing, and availability may change at any time without notice.
We are not affiliated with, endorsed by, or sponsored by Monarch Money. All third-party trademarks and brand names are the property of their respective owners and are used here solely for identification and comparison purposes.
Before making any financial or purchasing decision, we strongly recommend that you visit the relevant provider's website directly to verify current terms, pricing, features, and availability in your jurisdiction.
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One-time payment · No subscription · No login required
File never stored · No names or IDs retained · No deposits tracked