Switching from Monarch

Monarch showed you your money. SkrillaPlan asks you to direct it. That's the real difference, and it's worth understanding before you move a single transaction.

Watching isn't steering

Monarch is a tracking app: it gathers your accounts, draws the dashboards, and tells you what happened. Useful — the way a rearview mirror is useful.

Envelope budgeting works the other way around. You decide what your dollars do before they do it, and the app keeps score against your plan. Watching becomes steering. If the method is new to you, read Envelope budgeting, plainly first — five minutes, and the rest of this guide makes twice the sense.

Bring your history

Export from Monarch: download your transactions as CSV.
Drop the file on our Import screen. If the columns need pointing out, a mapping step appears — date, amount, description — and a preview shows exactly what will land. Nothing imports until you commit.
Import twice by accident? Nothing doubles. Duplicates are skipped by fingerprint, always.

Turn categories into envelopes

Your Monarch categories carry over with your transactions — now give them jobs:

On the Categories screen, rename what's close, archive what isn't you, and shelve related categories into groups. Fewer beats more: if two categories are hard to tell apart, they're one.
Where Monarch had savings goals, set a goal on a category — click its name on the Budget screen: monthly funding, a target balance, or a target by a date. Same intent, but the money for it sits in a named envelope instead of a wish.

Where your dashboards went

Reports covers the ground: the monthly overview, cash flow and your savings rate, category trends with six-month sparklines, spending-changes ("what's different this month"), and the recurring-subscriptions list with price-increase flags. The difference: every chart is measured against a plan you set, not just a past you had.

The privacy difference

Monarch's own privacy policy discloses session-replay tooling and advertising partners. SkrillaPlan runs zero trackers — no analytics, no ads, no session recording, nothing third-party at all. Your money is your business; the full short list is at What we don't do.

What to expect the first week

The method asks more of you than tracking did — one assignment session on payday, a few five-minute check-ins. In exchange, the app stops telling you what happened and starts telling you whether the plan is working. Most switchers say the same thing after a month: the dashboards were interesting, but deciding is what changed the numbers.

Welcome over. Getting started takes it from here.