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Monarch Money

Connects your banks, rollover budgeting, investment tracking, shared with a partner.

$14.99/month or $99.99/year (7-day trial)r/MonarchMoneywww.monarch.com
Download on the App StoreGet it on Google Play

Feature record

Yes ships todayNo not available? nobody has told us — click one to fill it in

32 of 60 recorded

Cost

2 of 3
Free tier
No
Price
$14.99/month or $99.99/year (7-day trial)
www.monarch.com
Lifetime purchase
?

Connections

4 of 7
Account aggregation
Yes
www.monarch.com
Connectors
?
Refresh more than daily
Yes
Manual accounts
Yes
Countries
US · CA
Multi-currency
?
Crypto and digital assets
?

Transactions

8 of 12
Edit transactions
Yes
Create manual transactions
Yes
Rules engine
Yes
Mass edit
Yes
Split transactions
Yes
History import
Yes
Length of history
Unlimited
Export
Yes
Import formats
?
Nested categories
?
Tags
?
Receipt attachments
?

Planning

5 of 9
Budgeting
Yes
www.monarch.com
Envelope budgeting
?
Rollover budgeting
Yes
Recurring transactions
Yes
www.monarch.com
Goal tracking
Yes
www.monarch.com
Debt payoff planning
?
Cash-flow forecasting
?
Cancel subscriptions
?

Wealth

5 of 5
Net worth
Yes
www.monarch.com
Balance history import
Yes
Investment tracking
Yes
www.monarch.com
Investment transactions
Yes
Real estate
Yes
www.monarch.com

Insight

3 of 4
Reports
Yes
www.monarch.com
Credit scores
Yes
Alerts
?

Sharing

2 of 3
Partner or household
Yes
www.monarch.com
Adviser access
Yes
www.monarch.com
Business or rental separation
?

Platforms

1 of 4
Interfaces
Web · iOS · Android
www.monarch.com
Full mobile app
?
Home-screen widgets
?
Offline access
?

Trust

2 of 7
SOC 2
Yes
2FA / MFA
Yes
Sells or shares your data
?
Read-only bank connections
?
Data held by
?
Self-hosting
?
Open source
?
Nothing recorded yet — 2 groups, 6 attributes

Assistance

0 of 2
AI chat
?
AI categorization
?

Extending

0 of 4
Public API
?
Spreadsheet sync
?
Webhooks
?
Tax export
?

Checked against the vendor’s own pages on 2026-09-04; 14 attributes carry the source they came from. Every “?” is a link — one field, no account.

Price history · cheapest recurring plan

2026-09-02
First recorded at $99.99/year

Every step is a reviewed change to the record, from the changelog; there is no nightly capture of the vendor’s pricing page. The median is the middle annual price of the 26 live listings that charge one.

What people are saying

I’ve used Monarch for 3 years. It’s the app that help me clear 125k in debt and I am happy to say it has allowed me to accomplish my financial goals. Amazon app and I am so happy to see commercials about this app everywhere. People need to know you guys are a…App Store · 5★ · 2026-09
For instance, why can’t I pick a time frame bigger than a year but less than All on the net worth graph? Or why do I have to set my time frame every single time — how hard would it be to remember it? So silly and lazy.App Store · 3★ · 2026-09

Read and search all 450 reviews → Unedited store text; the most recent from each end of the scale.

In the news · 2 mentions in 90 days

Matched on the app’s exact name from an allowlist of 36 outlets, with a personal-finance word in the headline. Anything outside that is dropped, not published. Headlines belong to their publishers. Fetched 2026-09-08.