Monarch Money
Monarch Money, Inc.
All-in-one personal finance app focused on net worth tracking, account aggregation, and household budgeting. Web and mobile, with a household plan that includes partner access.
Last updated: May 3, 2026
Best for
- Households tracking accounts, investments, and budgets together
- Users replacing Mint who want a polished dashboard
- Users who want both spending and net-worth tracking in one app
Not ideal for
- Users looking for a free option
- Strict envelope/zero-based budgeters
- Privacy-first users uncomfortable with cloud-stored transaction history
Pricing
$99/year
Annual price referenced as $99/year on monarch.com (note the brand redirected from monarchmoney.com to monarch.com). A 7-day free trial is offered. Monthly price and current intro/promo pricing should be re-confirmed against the live page.
Platforms
| Web | Yes |
|---|---|
| iOS | Yes |
| Android | Yes |
| Desktop | No |
Features
| Bank sync | Yes |
|---|---|
| Plaid support | Unknown |
| Manual transactions | Yes |
| Envelope budgeting | No |
| Zero-based budgeting | No |
| Couples / shared budget | Yes |
| Google Sheets integration | No |
| CSV import | Unknown |
| CSV export | Yes |
| Recurring transactions | Yes |
| Bill calendar | Unknown |
| Net worth tracking | Yes |
Privacy
Transaction history and account data is stored on Monarch's servers. Privacy policy states Monarch will never sell financial data, but acknowledges that disclosures to advertising partners via cookies may legally constitute 'sale' or 'sharing' under some state laws. Users can opt out via a 'Do Not Sell or Share' form.
Direct quote: 'We will never sell your financial data.' Cookie-based ad sharing is the nuance — financial data itself is not sold. Account deletion via account settings or support@monarch.com.
Pros
- Polished cross-platform interface
- Household plan includes partner access
- Net worth tracking alongside budgeting
Cons
- No permanent free tier
- Not a true envelope-budgeting tool
- All data stored in Monarch's cloud
Compared head-to-head
- Monarch Money vs Copilot Money — Monarch vs Copilot: both are polished post-Mint personal finance dashboards. Monarch is cross-platform and household-oriented; Copilot is Apple-only with strong native UX.
- Monarch Money vs Rocket Money — Monarch vs Rocket Money: two of the most-recommended Mint replacements. Monarch is a paid household dashboard ($99/yr); Rocket Money has a real free tier and a subscription-cancellation focus.
- Okane vs Monarch Money — Okane vs Monarch Money compared on method, price, and data location. Different products: Okane is mobile envelope budgeting in your Google Sheet; Monarch is a household financial dashboard.
Featured in
Alternatives
- Copilot Money — Apple-platform personal finance app focused on automated transaction categorization and a polished UI. Subscription only; iOS, iPadOS, and macOS.
- YNAB (You Need A Budget) — Subscription envelope-budgeting app built around the zero-based method. Web-first with iOS and Android companions. Mature ecosystem and large community; no permanent free tier.
- Okane Budgeting — Mobile envelope budgeting app whose backing store is a Google Sheet on the user's own Drive. Free tier with unlimited envelopes; $5/month Premium adds Plaid bank sync and on-device AI categorization.
- Quicken Simplifi — Quicken's modern subscription-based personal finance app. Web and mobile, with a focus on cash-flow planning, watch lists, and recurring bills.
Sources
- Monarch Money official site — Monarch Money. Accessed May 2, 2026.
- Monarch pricing page — Monarch. Accessed May 2, 2026.monarchmoney.com 301-redirects to monarch.com. Annual price visible in customer review on the page; full pricing table needs re-verification.
- Monarch privacy policy — Monarch. Accessed May 3, 2026.