Comparison

Infnits vs Monarch Money

Monarch Money is a subscription-based personal finance app for budgeting, cash flow, and net-worth tracking — one of the most popular Mint replacements. Infnits is a free dividend and portfolio analytics app focused specifically on investable securities and dividend income. They overlap on portfolio tracking but Monarch is budget-first while Infnits is dividend-first. Here is how they compare in 2026.

TL;DR

Monarch Money is a budgeting and cash flow app with decent investment tracking as a secondary feature.
Infnits is a dividend income and portfolio analytics app with no budgeting.
Monarch charges ~$99/year. Infnits has a free tier.
Pick Monarch if you want to replace Mint and manage your whole financial life. Pick Infnits if you care specifically about dividend income and portfolio health.

Feature-by-feature comparison

Feature	Infnits	Monarch
Core use case	Dividend income + portfolio analytics	Budgeting + net worth
Budgeting / cash flow	No	Yes — core feature
Dividend calendar	Yes	No
Dividend income forecast	Yes — stochastic	No
Portfolio health score	Yes	No
Monte Carlo simulation	Yes	No
AI insights	Yes — dividend-specific	No
Bill tracking	No	Yes
Brokerage sync	SnapTrade + Plaid	Plaid
Mobile app	iOS + Android	iOS + Android + Web
Pricing	Free + Pro	$99/year

Where Infnits is stronger

Dividend calendar and income forecasting Monarch does not offer
Free tier vs Monarch's subscription-only model
Portfolio-specific analytics: health score, concentration audit, Monte Carlo
Tax-loss harvesting via TaxPilot

Where Monarch is stronger

Full-featured budgeting and bill tracking
Shared household accounts and finance collaboration
Goal-based planning across all of finance, not just investments

Who should pick what

Pick Infnits if: Dividend investors who want free, specialized analytics on their brokerage holdings and do not need budgeting.

Pick Monarch Money if: Households replacing Mint who need budgeting, bill tracking, and net-worth in one subscription.

Frequently asked questions

Does Monarch Money track dividends?

Monarch tracks investment account balances and transactions, but it does not provide a dividend calendar, dividend income forecast, or per-holding dividend safety analysis. Infnits specializes in all of those.

Should I use both Monarch and Infnits?

Many dividend-focused investors do. Monarch handles budgeting and cash flow; Infnits handles the dividend income and portfolio analytics. They are complementary, not competitive.

Is Infnits free?

Yes. Infnits has a free tier that covers dividend tracking, income forecasting, health scoring, and Monte Carlo projections. Pro unlocks extended projections and premium insights.

Try Infnits free

Connect your brokerage, see your real portfolio with projected dividend income, Monte Carlo forecasts, and AI-generated insights — all in a native iOS and Android app.

Get Infnits