> IME Monarch seems like the current best option in this space...

Monarch is just horribly overpriced. I'm not opposed to paying for a SaaS or anything, but Monarch is much too expensive for what it is. Empower (used to be called Personal Capital) is free and what I use instead of Mint. In fairness, the only thing that I really ever used Mint for was to see my net worth and account balances.

I dunno. Insights from Monarch have easily saved me many times the annual cost. Other tools could as well of course, but the ease-of-use makes it easy to maintain