Compared from 1,479 real customer reviews

YNAB vs Merrill Edge Self-Directed vs Monarch

Side by side from 1,479 real reviews. Every count is the same as on each product’s page.

How the signal works
The signal score

A score out of 100 for how well reviewed a product is. It rises with positive reviews and with how many there are; negative and mixed reviews take points off.

So a handful of glowing reviews can’t beat a product lots of people like. No sponsored placements.

81 signal

886 reviews

67 signal

79 reviews

79 signal

514 reviews

In short

Many customers say it changed how they handle money, with zero-based budgeting that is worth the subscription once learned.

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Mint-style overview that many moved to from Mint, YNAB or Copilot; accounts that stop syncing.

Liked mostreviews mentioning it

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Specs

Type
Budgeting app
Fees
$109 a year (annual plan)
Minimum
Not listed
Type
Brokerage account
Fees
$0 online stock, ETF and option trades; no annual account fees (options contract and other fees may apply)
Minimum
No balance minimums
Type
Budgeting and net-worth app
Fees
Core $99.99 a year or $14.99/month; Plus $199 a year
Minimum
Not listed

More comparisons

Shares count reviews with a clear verdict from the recent window, like each product’s page. Tags are counted over the same reviews. All products