Monarch Money
A personal finance dashboard that pulls all your accounts into one place, built as a replacement for Mint.
- Category
- Budgeting
- Platforms
- iOS, Android, web
- Price
- $14.99/month or $99.99/year
- Official site
- monarchmoney.com
What it does
- Connects to bank, credit card and investment accounts and pulls transactions in automatically, with support for over 13,000 institutions.
- Categorises spending automatically, though categories can be edited and customised.
- Tracks net worth across every connected account, including investments.
- Offers two budgeting approaches — a flexible system and a traditional category-based one.
- Adds a partner to the same household at no extra cost, which is the feature most often cited as its advantage over alternatives.
- Integrates with Zillow for property values and Coinbase for cryptocurrency holdings.
The free tier
None. There is a 7-day free trial with full access, after which a subscription is required.
Worth knowing before you sign up
- A Plus tier at $199/year adds retirement forecasting, business income tracking and equity compensation tracking.
- Account availability is limited to the US and Canada.
- Reviews frequently raise bank connection reliability as the main recurring complaint.
- Buying through the Apple or Google app stores can cost more than subscribing on the website.
Who it suits
Households and couples who want one dashboard covering spending, investments and net worth together, and who will use enough of it to justify a recurring cost.
Compiled from the developer's own site, app store listing and published pricing, cross-checked against independent reporting. Last checked September 2026. Pricing changes often and can vary by region — check what your own account is offered before subscribing. Spotted something out of date? Tell us.