A simpler alternative to Monarch
Monarch does a lot. Its Core plan costs $99.99 a year after a 7-day trial, forecasting needs the $199.99 Plus plan, and it only handles US and Canadian dollars. Let's Save has a free plan, a forecast on Plus at $39.90 a year, and accounts in any currency.
What's different
Platforms, price, and how each app handles your data.
Savings plans with limits
On Pro, Let's Save offers up to three savings plans, from gentle to aggressive. The AI picks which categories to trim. The amounts come from your own spending, and rent, insurance and loan payments are protected.
Imports you can undo
Monarch imports CSV files on the web, and an import can't be undone. Let's Save reads CSV and Excel files in your browser, sends only the rows you approve, and lets you undo an import for 30 days.
Every currency, not just dollars
Monarch shows every account with a dollar sign and doesn't convert anything, so ¥1,000 appears as $1,000. Let's Save converts each transaction at the rate from its own date.
What you pay
The Core plan, after a 7-day trial. Forecasting is in Plus, at $199.99 a year.
- No free plan
- US and Canadian dollars only
- Forecast on the $199.99 plan
The last three months are free with no time limit. Plus is $39.90 a year ($3.99 a month) for your whole history.
Plus applicable tax
- Free, last 3 months
- Forecast on Plus, $39.90 a year
- 160+ currencies
Feature by feature
Let's Save next to the apps people usually compare it with.
| Feature | Copilot Money | Monarch Money | Spendee | |
|---|---|---|---|---|
Platforms Our desktop and mobile apps are in testing | Web, desktop, mobile | Apple devices and web | Web, iOS, Android | Web, iOS, Android |
Free plan What you get without paying | Last 3 months, no time limit | 1-month trial | 7-day trial | 1 cash wallet, 1 budget |
Multi-currency Accounts in different currencies, converted for totals | 160+, rate of each date | USD only | USD and CAD, no conversion | Per wallet, rate you set |
CSV import Bringing in a bank export | In your browser, undo for 30 days | Apple Card and Mint files only | On the web, can't be undone | On the web, cash wallets only |
MCP connector Letting Claude or ChatGPT read your data | Every plan, with approvals | Read-only beta, waitlist | Paused | None |
AI What the AI does | Savings plans that spare fixed bills | Assistant (beta), categories | Assistant, insights, categories | Receipt scan (Premium) |
Partner access Sharing with a partner | Free, private accounts stay private | One shared login | Free, nothing hidden | Shared cash wallets on Plus |
Try Let's Save for free
Try the free plan and bring your transactions over with a CSV export.