Looking at Monarch? Try a free subscription audit first.
Skycopia is a free Monarch Money alternative for subscription tracking — it audits every recurring charge on your bank, gives you the cancel steps, and protects you from re-bills. Monarch itself is a capable $99.99+/yr all-in-one budgeting and net-worth app across iOS, Android, web, and desktop — worth it if you want that broader picture, but overkill if subscriptions are the specific problem.
☁️Hi, I'm Sky. Monarch shows you the whole picture. I just handle the subscriptions quietly billing you inside it.
Free audit · Read-only bank access via Plaid · No credit card
Real numbers from one user's own account, July 2026 — yours will vary.
Here's what the audit finds
A sample household's audit — demo data, not a real account. It flagged $2,159/yr in likely waste across unused apps, price hikes, and overlapping services:
- Peloton Appunused 4 mo$528/yr
- LinkedIn Premiumunused 5 mo$480/yr
- Planet Fitnessunused 3 mo$300/yr
- Audibleunused$179/yr
- Netflix Premiumprice ↑ 15%$276/yr
- The New York Timesprice ↑ 21%$204/yr
- HBO Maxoverlaps Disney+$192/yr
One user's own audit flagged $19,207/yr across 62 recurring charges — real numbers, July 2026. Yours will vary; that's the point.
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One sample audit flagged $2,159/yr — see yours in about a minute.
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Skycopia vs Monarch
| Feature | Skycopia | Monarch |
|---|---|---|
| Free to use | Yes — full audit, no card | No — 7-day trial, then $14.99/mo or $99.99/yr (Plus tier: $199/yr) |
| Platform support | Web-based, any device | iOS, Android, web, and desktop |
| Finds recurring charges from your bank | Yes (Plaid, read-only) — dedicated subscription audit | Yes — automatically detects recurring subscriptions |
| Cancellation guidance | Step-by-step playbook for each service | Not a Monarch feature |
| Re-charge protection | Alerts if a cancelled service bills you again | Not a Monarch feature |
| Net worth & investment tracking | Not the focus — subscriptions and recurring spend | Yes — banks, investments, real estate, in one dashboard |
| Budgeting & goal planning | Spending view focused on recurring charges | Flexible budgets, financial goals, cash flow reports |
| Shared household / couples | Yes — attributed decisions (who cancelled what) | Yes — partner access at no extra cost |
Monarch details reflect its publicly documented state as of mid-2026 and may change. Monarch is a trademark of its respective owner; Skycopia is not affiliated with it.
What Monarch doesn't do
Monarch surfaces recurring charges as part of its transaction tracking, which is genuinely useful. But it stops at detection — there's no built-in path from "here's a forgotten subscription" to "here's exactly how to cancel it," and nothing watching to make sure a cancelled service doesn't quietly start billing you again.
Skycopia is built around that specific gap: connect your bank read-only, get every recurring charge surfaced with a one-tap cancel playbook, and have each cancellation guarded afterward. It won't track your net worth or your portfolio — but for the subscription side of what Monarch does, it's free and purpose-built.
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✂️Cancel Monarch Money
Step-by-step steps to cancel your Monarch subscription.
📖Cancellation guides
Step-by-step cancel steps for 566+ services.
⚖️Compare all alternatives
See Skycopia vs 5 budgeting apps, side by side.
Up and running in minutes
No accountant required.
Connect your bank
Read-only via Plaid, two minutes — Skycopia pulls up to 24 months of history. Or start with a CSV upload, free.
Rule on your audit deck
Sky lines up every charge that looks off, one at a time, receipts included. Cancel, review, or monitor — the whole deck takes minutes.
Sky stands guard
Follow the cancel playbook, then Protection watches forever — zombie rebills, price hikes, and re-charges get flagged within a day.
That's the whole process — ready to see your own audit?
Run your free auditFAQ
What's the difference between Skycopia and Monarch Money?
Monarch (formerly Monarch Money) is a paid ($14.99/mo or $99.99/yr, with a $199/yr Plus tier) all-in-one budgeting and net-worth app on iOS, Android, web, and desktop. Skycopia is a free, focused subscription audit: it finds every recurring charge, hands you the exact cancel steps, and guards each cancellation so a merchant can't quietly re-bill you — things Monarch doesn't do.
Does Monarch detect subscriptions like Skycopia does?
Yes — Monarch automatically flags recurring charges as part of its transaction tracking. Where it stops is the next step: Monarch doesn't hand you cancellation steps for what it finds, and it has no watch-and-alert feature if a cancelled service starts billing again. Skycopia is built specifically to close that gap.
Is Monarch worth $99.99 a year (or $199 for Plus)?
If you want one dashboard for budgeting, net worth, and investments across banks, brokerages, and real estate, Monarch is a genuinely capable, actively developed app — the new Plus tier adds deeper planning tools for business or rental income. If what you actually want is to stop paying for subscriptions you forgot about, Skycopia does that specific job for free, with cancellation help and re-charge protection Monarch doesn't offer.
Can Skycopia replace Monarch?
Not entirely, and it doesn't try to. Skycopia deliberately stays focused on subscriptions and recurring spend rather than replicating Monarch's full budgeting, net-worth, and investment tracking. If that broader picture is what you need, Monarch (or a similar app) will serve it better.
How much does Skycopia cost?
The audit is free — connect your bank and see everything Skycopia finds, no credit card. Pro ($15/month) adds Protection guarding, refund tracking, and the shared household. Insider ($25/month) unlocks everything in beta, including Sky AI chat. See the full plan comparison for what's included at each tier.
Is Skycopia safe to connect to my bank?
Bank access is read-only through Plaid — the same connection used by apps like Venmo and Robinhood. Skycopia can see transactions to find subscriptions; it can't move money. Your transactions are never used to train AI, and there are no advertising or credit-offer partners looking at your data.
See what you're paying for — free
Connect your bank read-only and Skycopia finds every subscription, forgotten trial, and price hike, with the cancel steps for each. No card, no ads on your data.
One user's own audit flagged $19,207/yr — real numbers, July 2026. Yours will vary; that's the point.
Run your free audit