Your first week is on us
Monarch is your home base for money clarity, with guidance tailored to your specific needs. Track everything in one place, get a clear plan forward, and feel confident about your next money move.
Core
- Budget, save, and stay on track
- Free for 7 days
- $8.33/month after, billed $99.99 annually
- See your complete net worth
- Build a budget that fits your life
- Visualize your money with custom reports
- Set and track savings and debt goals
- Free 7-day trial, then $99.99/year. Cancel in settings before trial ends. Payment method required.
Plus
- Advanced tools for long-term planning and multiple income streams
- Free for 7 days
- $16.67/month after, billed $199.99 annually
- Everything in Core, plus
- Forecast your path to retirement
- Track business income and expenses
- Get P&L reports and tax-prep exports
- Access advanced investment analysis
- Create a will to protect what you've built
- Free 7-day trial, then $199.99/year. Cancel in settings before trial ends. Payment method required.
Why pay for a personal finance app?
If you're wondering how you should best manage your finances, we encourage you to consider a subscription-based app instead of a free one. Here's why:
Never any ads
When you are paying for a service, you are the customer. Free services are incentivized to sell your data to advertisers and build features that make you click more ads, not features that actually help you.Industry-best data connectivity
Personal finance apps are only useful when they are able to sync with real-time data from all of your accounts. Free services can't dedicate the same amount of resources to data quality, resulting in stale information.We never sell your financial data
Your financial data is extremely sensitive. It's also extremely valuable to advertisers. Companies with free offerings rely on selling this data to advertisers for profit. But not us.We’re not going anywhere
Trusting a new personal finance app is a commitment, one we take seriously. Our revenue comes directly from our members, ensuring we develop features you’ll love and grow a healthy business while doing so.
Everything you need to manage your money, all in one place
Whether you’re just getting started or want to plan further ahead, Monarch has a plan that fits your needs.
Tracking
Core
- See your complete net worth across every account
- Get reminders about subscriptions and upcoming bills
- Understand your spending patterns with custom reports
- Track investment performance and monitor diversification
- Track equity compensation for a more complete picture of your net worth
- Categorize transactions automatically and fine-tune with advanced rules
Plus
- See your complete net worth across every account
- Get reminders about subscriptions and upcoming bills
- Understand your spending patterns with custom reports
- Track investment performance and monitor diversification
- Track equity compensation for a more complete picture of your net worth
- Categorize transactions automatically and fine-tune with advanced rules
Budgeting
Core
- Find your fit with two different budgeting approaches
- Create a budget automatically based on real spending patterns
- Get alerts before you overspend
Plus
- Find your fit with two different budgeting approaches
- Create a budget automatically based on real spending patterns
- Get alerts before you overspend
Planning & forecasting
Core
- Plan and stay on track for savings and debt pay down goals
- Get guidance for monthly contributions needed to achieve your goals
- Chart your path to retirement with real numbers
- Model how a new job, house remodel, or kids could reshape your plan
Plus
- Plan and stay on track for savings and debt pay down goals
- Get guidance for monthly contributions needed to achieve your goals
- Chart your path to retirement with real numbers
- Model how a new job, house remodel, or kids could reshape your plan
Small business tracking
Core
- Track your LLC, rental property, or side business separately from personal finances
Plus
- Track your LLC, rental property, or side business separately from personal finances
- See dedicated P&L tracking for each business
- Get export-ready reports for tax season
Guidance & insights
Core
- Ask your AI Assistant anything, with guidance shaped by financial professionals
- Get a weekly summary of your spending, net worth, and upcoming expenses
Plus
- Ask your AI Assistant anything, with guidance shaped by financial professionals
- Get a weekly summary of your spending, net worth, and upcoming expenses
Connectivity & integrations
Core
- Connect to 13,000+ banks and financial institutions
- Track your home value with Zillow integration
- Track crypto with Coinbase integration
- Sync your Apple Card seamlessly
- Scan and itemize receipts for detailed categorization
Plus
- Connect to 13,000+ banks and financial institutions
- Track your home value with Zillow integration
- Track crypto with Coinbase integration
- Sync your Apple Card seamlessly
- Scan and itemize receipts for detailed categorization
Access & collaboration
Core
- Use on web, mobile, or iPad—wherever you are
- Add a partner for free
- Share read-only access with a financial professional
Plus
- Use on web, mobile, or iPad—wherever you are
- Add a partner for free
- Share read-only access with a financial professional
4.9
100,000+ reviews
The reviews are in
“No resource has helped me better understand how to handle money, honestly. You all have made a fantastic product that is well-worth the price. Thank you, thank you, thank you!”
“This is the app I’ve always wanted. Well worth the price!”
“Monarch Money may cost $99 a year, but it is feature rich and well worth the price. Their flexibility with budgeting by category or group is amazing…and the concept of a 'family' or 'household' allowing for flagging transactions as 'Needs Review' and assigning to a family member is the cherry on top.”
"Worth every penny! Great features that are always getting added. Even better customer service!"
"I thought Mint was the best but turns out Monarch is even better!!! I just love everything about this app, the budgeting, the cash flow, reports. Gives me amazing insights into my finances and well worth the extremely reasonable price tag!"
"Love the interface and ease of use and absolutely love the ad-free experience. Happy to pay a reasonable price for value and know the I’m not the product being sold to advertisers. Wish I would have found Monarch sooner."
FAQs
- What is the cost of a subscription?
- What's included in the Plus tier?
- What if I sign up, but decide Monarch isn’t right for me?