| Orbeva | Monarch | YNAB | Empower | |
|---|---|---|---|---|
| Tells you your #1 next move | ✓ | – | – | – |
| Tax-optimal way to fund it (withdrawal order) | ✓ | – | – | – |
| Margin & liquidation watch (distance-to-call) | ✓ | – | – | – |
| Concentration-risk alerts | ✓ | – | – | ~ |
| Cross-border US / Canada tax | ✓ | – | – | – |
| True net worth incl. manual / illiquid assets | ✓ | ✓ | – | ✓ |
| Read-only — never moves your money | ✓ | ✓ | ✓ | ✓ |
| No AUM upsell, no success fees | ✓ | ✓ | ✓ | – |
| Does the recurring follow-through for you | ✓ | – | – | – |
| Price | Free to start | $99 / yr | $109 / yr | Free* · 0.49–0.89% AUM |
Credit where it's due: Monarch is excellent for couples and net-worth tracking; YNAB is the best zero-based budgeting method there is; Empower is a capable free dashboard — though it funnels you toward a 0.49–0.89% AUM advisor. Rocket Money finds forgotten subscriptions, but has drawn complaints over surprise success-fees — which is exactly why Orbeva charges one flat price and never takes a cut of your money. None of them tell you your next move or watch your portfolio's real risk. That part is ours.
Comparison reflects publicly available features as of 2026 and our reading of each product. Not affiliated with or endorsed by any company named. Corrections welcome — hello@orbeva.ai.