SaaS alternative · Personal Finance

Replace Empower / Monarch Money.
One .xlsx file. Paid once.

Empower / Monarch Money runs about $20/mo — that's $240/yr for as long as you keep paying. The Net Worth Tracker is one Excel file you pay $11 for once. Over 10 years you keep roughly $2,389.

Side-by-side

	Empower / Monarch Money	Net Worth Tracker
Cost	~~$20/mo · $240/yr~~	$11 once
10-year cost	~~$2,400~~	$11
Format	Web app · mobile app	.xlsx file · Excel / Sheets / Numbers
Your data lives	On their server	On your computer
Works offline	No	Yes
Cancel = lose access?	Yes	No — own forever
Edit any formula?	No	Yes — every cell
Live bank sync	Usually yes	No — manual entry
Phone-first workflow	Yes	Limited — desk-and-keyboard

Honest read: if you mostly use Empower / Monarch Money for live bank sync and phone tracking, stay where you are. If you use it for the weekly numbers and dashboards it shows you — the Excel workbook does that part for $11.

What you'd be switching to

Personal Finance · · .xlsx

Net Worth Tracker

Replaces Empower / Monarch Money (~$20/mo). Monthly-snapshot net worth ledger — assets vs debts across cash, investments, crypto, real estate, vehicles, and loans. No bank linking, no Plaid breakage, no data leaks. 30 seconds a month to log 8–15 balances; Dashboard reads the latest snapshot via SUMIFS+MAX(date).

$11 paid once See it →

Switch in 3 steps

01

Export your data from Empower / Monarch Money

Most apps have an export-to-CSV option in Settings. Grab the last 12 months at minimum so your historical trends carry over.
02

Paste it into the workbook

Open Net Worth Tracker in Excel, Google Sheets, or Numbers. Drop your CSV into the input sheet. The dashboards recompute automatically.
03

Cancel Empower / Monarch Money

You're saving ~$240 a year, forever. Your data lives on your computer now.

Things people ask

Will an Excel workbook really do everything Empower / Monarch Money does?

No — that's honest. Empower / Monarch Money has features a spreadsheet can't match (live bank sync, mobile app, AI assistance). What the workbook does is the core math you actually use weekly. If you're paying $20/mo mostly for features you never open, switching saves you $240/yr. If you genuinely use the platform-specific features, stay where you are.

What's the catch with paying $11 once vs $20/mo?

No catch. The workbook is a .xlsx file you download and own. There's no expiry, no account, no cloud lock-in. You enter your own data manually — that's the friction trade. Over 10 years you'd pay Empower / Monarch Money roughly $2,400. The workbook costs $11 once, so you keep ~$2,389.0.

What spreadsheet apps does it open in?

Microsoft Excel, Google Sheets, and Apple Numbers — all three open .xlsx natively. Google Sheets and Apple Numbers are free. You don't need an Excel subscription.

How do I switch from Empower / Monarch Money?

Three steps: (1) export your historical data from Empower / Monarch Money as CSV, (2) open the gridmoo workbook and paste the data into the input sheets, (3) cancel your Empower / Monarch Money subscription. Most users finish the switch in 30–60 minutes.