Monarch Money

Know where you stand

From your net worth to day-to-day spending and cash flow, feel confident about where you’re at. Monarch brings all your accounts together into one clear view.

Always know where your money is and where it's going.

Budgeting that fits your life

Create a budget that flexes to your needs—and not the other way around—so you can stay focused on the things that matter most. Monarch automatically categorizes transactions and offers two different budgeting approaches.

Stay on track with a budget that adapts to your real spending patterns.

Make smart money moves together

Invite your partner to see your full picture, budget together, and reach your goals faster (and with more high fives). You can also share read-only access with a financial professional.

Achieve your goals quicker with a partner or professional at no extra cost.

Set goals (and crush them)

From planning a vacation to a home remodel—track your goals and adjust your cash flow to make sure you stick the landing. Set targets, track progress, and stay motivated as your savings grow.

Create a clear plan to save for what matters, whether it’s a home, a vacation, or a rainy day fund.

All your accounts, in one place

Connect all your bank accounts, credit cards, loans, real estate, and investments to see your entire financial picture in one place. When you and your partner both sync your accounts, you’ll get a shared view of your finances.

See your complete net worth across every account and stay aligned with your partner.

Take control of your subscriptions

Monarch automatically detects your recurring subscriptions—like streaming services, gyms, or app memberships—so you never lose track of what you’re paying for. It’s an easy way to spot forgotten charges and take control of your monthly spending.

Never miss an unexpected charge and keep your monthly spending in check.

• All-in-one financial clarityMonarch brings all your accounts—bank, credit cards, loans, real estate, and investments—into one clear view. Track net worth, transactions, recurring subscriptions, and cash flow in a single searchable list, with customizable reports and goal tracking.
• Collaborative budgeting for couples and professionalsInvite your partner or financial professional at no extra cost to see a shared view of your finances, budget together, and align on goals. Monarch is designed for collaboration, making it easier to manage money as a team.
• Best-in-class data connectivityMonarch syncs with multiple financial data providers to connect with 13,000+ financial institutions, more than other apps. This ensures reliable, real-time account syncing across web, iOS, and Android.
• Ad-free and privacy-focusedAs a subscription-based app, Monarch never sells your financial data and shows no ads. Your revenue comes directly from members, ensuring features are built for your benefit, not advertisers.

• Pricing and discount detailsMonarch offers a subscription-based service. The pricing page mentions a 30% discount for the first year with code WELCOME* for new users, valid for the annual Core plan only. It also references a $99/year cost in a user review, but the official pricing page does not list specific plan prices beyond the discount offer.
• Free trial and cancellationThe pricing page states 'Your first week is on us,' indicating a free trial period. It also includes an FAQ about what happens if you decide Monarch isn't right for you, but the specific cancellation or refund policy is not detailed in the scraped content.
• Data connectivity claimsMonarch claims to sync with 13,000+ financial institutions and uses multiple data providers. However, the exact providers are not named, and the reliability of connections may vary by institution. User reviews mention improved reliability compared to Mint, but this is anecdotal.
• Not personalized financial adviceMonarch provides financial information and tools, but explicitly states it does not offer personalized financial, investment, tax, or legal advice. Projections and reports are hypothetical, so users should not rely on them as professional guidance.

Track Your Entire Financial Picture

Monarch connects all your bank accounts, credit cards, loans, real estate, and investments into one clear view. You can see your complete net worth, monitor transactions in a single searchable list, and get automatic detection of recurring subscriptions—so you always know where your money is and where it's going.

Budget That Fits Your Life

Create a budget that flexes to your needs, not the other way around. Monarch automatically categorizes transactions and can build a budget based on your real spending patterns. Get alerts before you overspend and stay on track with customizable reports that reveal where your money goes.

Plan and Crush Your Goals

Set savings and debt payoff goals—whether it's a vacation, home remodel, or rainy day fund. Monarch shows you the monthly contributions needed to achieve your targets, and lets you adjust your cash flow to make sure you stick the landing. You can even forecast your path to retirement with the Plus plan.

Collaborate with Partner or Professional

Invite your partner to see your full financial picture and budget together at no extra cost. You can also share read-only access with a financial professional. Monarch makes it easy to align on money decisions and reach your goals faster—turning stressful guesswork into a clear, shared plan.

Define the exact aI Finance & Trading Tools workflow Monarch Money should support.

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