Does Alluvium support couples and households?

Yes — the household is the unit rather than an add-on. You and your partner share one financial picture instead of reconciling separate apps.

Can I bring my existing data over?

If your current app exports transactions as CSV, Alluvium can import them, so your history carries across.

What does double-entry actually change day to day?

Mostly it changes what you do not have to do. Transfers stop being counted as spending, reimbursements net out properly, and your net worth is right without monthly cleanup.

Is Alluvium a full financial planner?

No. It is deliberately a budgeting and ledger tool — money in, money out, and where it all sits. If you want retirement projections and broad goal planning in the same app, a wider planner will serve you better.

Alluvium vs Monarch

Both built for two.
One is built on double-entry.

Monarch has a real reputation for handling shared household finances, and we are not going to pretend otherwise — if you want breadth of planning across a couple's whole financial life, it earns its place. Alluvium competes on a narrower claim: that the underlying numbers should be provably exact.

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Double-entry ledger
Household by default
Rules you write and audit
No credit card to start

In $13.4KOut $11.2K

What Alluvium does differently

Accuracy first, then automation.

Exact, not approximate

Double-entry posts every dollar twice. Transfers, reimbursements and repayments between accounts never distort the picture.

Percentages, not re-budgeting

Allocate shares of income so a lean month and a big month both stay balanced without redoing the budget.

Rules, not guesses

Categorisation you write and audit. Nothing lands somewhere unexplained, and you can fix the rule rather than the transaction.

Paid, so you are not the product

A subscription with no ads and nothing to sell — your financial data is never used for advertising or tracking.

Side by side

Monarch vs Alluvium.

We won't summarise Monarch's feature list or pricing here. Their product changes and ours would go stale, and a comparison table you can't trust is worse than none. Read their current details from them — below is what Alluvium does and who each app suits.

Which one is for you

We would rather you picked right.

Pick Monarch if…

You want breadth: joint finances, goals, and long-range planning in one polished place. Handling couples properly is genuinely one of its strengths, so if that is the deciding factor, this is not a comparison where we claim an edge. Pick the tool that covers the ground you actually need.

Pick Alluvium if…

Precision is the thing you keep failing to get elsewhere. If transfers between your accounts keep polluting your spending totals, if you want automation you can audit line by line, or if your income varies enough that fixed budgets never survive contact with reality — that is the specific problem Alluvium is built to solve.

Common questions

Does Alluvium support couples and households?: Yes — the household is the unit rather than an add-on. You and your partner share one financial picture instead of reconciling separate apps.
Can I bring my existing data over?: If your current app exports transactions as CSV, Alluvium can import them, so your history carries across.
What does double-entry actually change day to day?: Mostly it changes what you do not have to do. Transfers stop being counted as spending, reimbursements net out properly, and your net worth is right without monthly cleanup.
Is Alluvium a full financial planner?: No. It is deliberately a budgeting and ledger tool — money in, money out, and where it all sits. If you want retirement projections and broad goal planning in the same app, a wider planner will serve you better.

Try it on your own numbers.

Import your history, connect your banks, and see whether exact beats familiar.

Start free — no credit card

Monarch and Monarch Money are trademarks of their respective owner. Alluvium is not affiliated with, endorsed by, or sponsored by Monarch.