Monarch shows you everything.
Fred does something with it.
Monarch earned its reputation. It is the most polished of the bank-syncing apps, built by people who knew Mint from the inside, and it will show you every account you own in one beautiful place. Then it hands the picture to you.
The short version
Monarch believes in the picture: connect every account and see all of it, beautifully, billed in USD and built first for the US. The picture turns out to be the easy part. What is hard is the evening you spend working out what it means. Your pay changed, three categories are running hot, the trip is in April, and somewhere in all of that is the only question you actually had, which is whether you can say yes to Saturday. Fred does that part. He already knows your numbers, including what you really take home after federal and provincial tax, CPP, and EI, so you are not asking a forum full of Americans or a chatbot that has never seen your finances. He builds the plan, keeps it current, and asks before he changes anything.
Want the money work done for you?
Trial for freeBuilding your budget
Keeping it current
Every payday
Logging an expense
Going over budget
A what-if question
A subscription creeping up in price
Knowing what is safe to spend today
Deciding
Built for
Billed in
Built-in Canadian take-home pay calculator
Bank linking
Investment holdings tracking
Native mobile apps
Price
| Feature | deezbills | Monarch |
|---|---|---|
| Building your budget | Fred builds it from a few questions about your life | You build it from your synced categories |
| Keeping it current | Fred updates it as bills, pay, and prices change | The sync keeps the data current. The budget is yours to maintain |
| Every payday | Fred maps your paycheck across bills, goals, and debt | You decide where it goes |
| Logging an expense | Text Fred or forward the receipt. He files it | Imported, then yours to review |
| Going over budget | Fred covers it and tells you what he moved | You rebalance the categories |
| A what-if question | Fred checks it against your real plan | You work it through in the reports |
| A subscription creeping up in price | Fred spots it and flags it | Listed for you to spot |
| Knowing what is safe to spend today | Fred keeps one number current | You read the dashboard and decide |
| Deciding | Still yours. Fred asks first, and nothing moves without your OK | Yours, along with all of the above |
| Built for | Canada first, US fully supported | US-origin, now available in Canada |
| Billed in | CAD | USD |
| Built-in Canadian take-home pay calculator | Yes | No |
| Bank linking | None, by design | Core to the experience |
| Investment holdings tracking | Balances only today; automated tracking on the roadmap | Holdings and performance |
| Native mobile apps | Web works on any phone. iOS and Android apps on the roadmap | iOS and Android |
| Price | $17.99 CAD/mo or $149.99 CAD/yr, 14-day trial | $14.99 USD/mo or $99.99 USD/yr, 7-day trial |
Pricing checked June 2026; prices and promotions may change. Monarch bills in US dollars; at typical exchange rates $99.99 USD is roughly $140 CAD per year, while deezbills bills Canadians in CAD with no exchange surprises. Monarch is a trademark of its owner; deezbills is not affiliated with or endorsed by Monarch.
Ready for the work to be done for you?
Trial for freeSo who is Fred?
Fred is the financial copilot inside deezbills. He works from what you really take home after federal and provincial tax, CPP, and EI, so a paycheque that changes is not one more thing for you to absorb. He builds the plan, keeps it current, and tells you what is safe to spend. He suggests, you approve, and nothing changes without your OK.
These are real answers from real runs, not scripts written for this page. Press play, or watch the video.
Actual Fred responses from a synthetic Smith family profile.
Is deezbills a good Monarch Money alternative for Canadians?
Yes, especially if you want more than a Canadian-friendly dashboard. deezbills is built Canada-first: CAD billing, Canadian take-home-pay math, CPP, EI, federal and provincial taxes for every province and territory, and payday planning from your real net pay. The bigger difference is what happens next: the safe-to-spend system turns your bills, goals, debt, timing, and income into one current decision, while Fred keeps the plan updated and helps you model changes before you commit.
How much does deezbills cost compared to Monarch?
Monarch is $14.99 USD a month or $99.99 USD a year, billed in US dollars, which lands around $140 CAD a year at typical exchange rates. deezbills is $17.99 CAD a month or $149.99 CAD a year, billed in Canadian dollars with a 14-day free trial. Similar money; the difference is what it buys. Monarch is a polished dashboard over synced accounts. deezbills is a self-updating plan that turns bills, goals, debt, timing, and real take-home pay into one safe-to-spend number. Prices checked June 2026 and may change.
Does deezbills sync my bank accounts like Monarch does?
No, by design. Monarch is built around automatic bank feeds through aggregators, and it does that well. deezbills never asks for a bank connection: spending arrives by Gmail capture, receipt photos, statement uploads, texting Fred, or quick add, so your credentials stay with your bank and there is no sync to break. It also means deezbills works no matter where you bank.
Does Monarch handle Canadian taxes or TFSA and RRSP accounts?
Monarch is available in Canada and connects to many Canadian institutions, and its public positioning centers on tracking, budgeting, planning, accounts, investments, and reports. deezbills is built around Canadian take-home pay from the start: federal and provincial taxes, CPP, and EI, with payday planning by province. To be fair the other way, deezbills tracks investment balances only today, while Monarch tracks holdings.
What is the safe-to-spend number?
Safe-to-spend is the number deezbills is built around. It is not just your bank balance minus a few categories. It reflects bills, goals, debt, spending, timing, and real take-home pay, then gives you one practical answer before you spend. If you want the details, Pulse is there too. The point is that you do not have to interpret a whole dashboard before making a normal money decision.
What does deezbills do differently from Monarch?
Monarch shows you a beautiful, complete picture of your accounts. deezbills turns your money picture into a plan you can act on. Fred, your financial copilot, keeps that plan current: he logs the expense you text him, shows where each paycheck should go, adjusts budgets when life changes, and models what-ifs against your real plan before you commit. You approve every change. One is a dashboard you read; the other is a planning system that helps you decide.