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About Monarch
What is Monarch?
Monarch is a personal finance app that brings all your bank accounts, credit cards, loans, investments, and real estate into one unified dashboard. It replaces the need to jump between multiple banking apps or spreadsheets, giving you a single source of truth for your net worth, cash flow, and spending habits.
Who is it for?
Monarch is built for individuals and couples who want clarity on their finances without ads or data selling. It's ideal for people who have outgrown free budgeting tools like Mint and need robust tracking, goal planning, and partner collaboration. It is less suited for business accounting or complex investment portfolio management.
Key features and use cases
Use Monarch to automatically categorize transactions, track recurring subscriptions, visualize spending trends with custom reports, and set savings goals—like a vacation or home remodel. Couples can invite partners to share a complete financial picture and budget together. Monarch works seamlessly on web, iOS, and Android.
Key features
- Unified dashboard — See all accounts (banks, loans, investments, real estate) in one view for net worth tracking.
- Smart transaction list — Every transaction in a clean, searchable list; mark as reviewed to stay on top of spending.
- Recurring subscription detection — Automatically finds forgotten subscriptions like streaming or gym memberships.
- Custom reports and charts — Visualize income, spending, and net worth trends over time.
- Goal planning — Set targets for big purchases or savings and track progress against cash flow.
- Partner collaboration — Invite a partner to budget together, see shared finances, and align on goals.
- Cross-platform sync — Access your data on web, iOS, and Android with real-time updates.
SaaSpartout Score
7.4
/10
Editorial score from our review methodology — not user ratings.
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Why are you looking at Personal Finance tools today?
Monarch Pricing
Monarch pricing: from $99/year.
For comparison: the median starting price in Finance & Accounting is $20/month, measured across 145 tools we track. See the full SaaS Pricing Index →
Monarch Plus (annual)
$99/year — includes all features: unlimited account connections, transaction tracking, budgeting, reports, goals, partner collaboration, and priority support. Free trial available (check site for current offer). No ads, no data selling.
Monarch Plus (monthly)
Pricing available on signup — same features as annual, billed monthly. No long-term commitment.
Frequently asked questions
How much does Monarch cost per month?
Monarch offers an annual plan at $99/year. A monthly billing option is also available during signup. There is no free tier, but a free trial is offered (check monarchmoney.com for current details).
Is Monarch better than Mint?
Many users find Monarch superior for ad-free experience, better data connectivity, and partner collaboration. Unlike Mint (which shut down), Monarch is a subscription service that does not sell your data.
What features does Monarch include?
Monarch includes net worth tracking, transaction categorization, budgeting, recurring subscription detection, customizable reports, goal setting, and partner collaboration—all synced across web, iOS, and Android.
Who should use Monarch?
Monarch is best for individuals and couples who want a single, ad-free app to manage personal finances, track spending, and plan goals. It is not designed for business accounting or active investment trading.
Does Monarch have a free trial?
Yes, Monarch typically offers a free trial period (often 30 days). Check their website for the latest offer.
What are the top alternatives to Monarch?
Top alternatives include YNAB (You Need A Budget) for zero-based budgeting, Copilot for a modern interface on Apple devices, and Quicken Simplifi for detailed cash flow tracking.
