Consider Monarch your home base for money clarity. Simplify your finances by bringing all your accounts into one easy view, have confidence in always knowing where your money is and where it's going, and collaborate with your partner or financial professional to track, budget, and reach goals together.
Monarch has been recognized by the Wall Street Journal as the “Best Budgeting App,” by Forbes as the “Best Mint Replacement” and by Motley Fool as the “Best Budgeting App for Couples and Families.”
Getting started is simple. Connect your accounts and Monarch will auto-categorize your finances, giving you actionable insights in minutes. Customize your dashboard to give you the information you need at a glance, including your net worth, recent transactions, how you’re tracking toward your budget, investment performance, and upcoming expenses.
Monarch makes it easy to take steps today to build toward your long term plans, all in one simple and collaborative financial tool.
Track
- Connect your accounts and see everything in one place so you can get a clear view of how your money is moving and track progress on your net worth.
- Always know what’s around the corner with subscriptions and bills tracked in one easy calendar or list view and notifications so you don’t miss a payment.
- Keep an eye on subscriptions so you can cancel what you no longer need.
- Sync with your credit cards and loans and Monarch will provide statement balances and minimum payment due.
- Search for any transaction, across all of your accounts - no shuffling between apps to find charges or refunds.
- View and customize reports for quick insights on your spending across groups and categories and trends over time.
Budget
- Monarch offers two ways to budget - Flex Budgeting or Category Budgeting - so you can choose to have the structure or flexibility you need and make budgeting feel easy.
- Get a quick view of your budget progress with visual progress bars and a dashboard widget.
- Customize your groups and categories, emojis, and your notifications to keep you on track.
Collaborate
- Add your partner or other household members and team up on your finances, whether you choose to have joint bank accounts or not. All at no extra cost.
- Invite your advisor, financial coach, tax professional or estate planning attorney so they can give you accurate advice with little effort required of you.
Plan
- Create and track progress toward your medium and long term goals.
- Set up contributions toward your goals within your monthly budget, and watch your savings compound over time.
A Membership With You in Mind
Our focus is on building a product that can transform your relationship to money, bringing clarity and confidence to your financial life. As a Monarch member, you’ll get access to all the new features we build and have the opportunity to vote on and provide feedback for new features on our roadmap. We build with the feedback from our community in mind.
No Ads
Monarch is not supported by advertisers and is designed with the sole purpose of making it easy and intuitive for you to manage your finances. That means we will never interrupt your experience with ads or try to sell you another financial product you don’t need.
Private and Secure
Monarch uses bank-level security, and we never store any of your financial credentials. Our platform is read-only, so there is no risk of your money moving. We take your privacy seriously and will never sell your personal or financial information to third parties.
MEMBERSHIP DETAILS
Monarch is free to try for 7 days. After your trial period, a membership fee will be billed either monthly or annually, depending on which plan you select.
Privacy Policy: https://www.monarchmoney.com/privacy
Terms of Use: https://www.monarchmoney.com/terms
I'm really bad with spending and not knowing how bad it is for me. I also have ADHD. It took me a few tries to fully commit to using the app. On my last try, I found it really helpful to identify/create my own categories for spending, ensure all of my charges require a review, setting rules for previous charges to automatically go to the category if I know that type of purchase will happen again, and setting the budget per category. Rules are important because you can apply it historically and see how much you've spent historically in that category. All of this made it so I'm paying close attention. It's been about 5 months and I've been doing really well. When I got the app, I adjusted my settings and categories. I also made predictions for my income and expenses for the month. Month 1 I just lived how I typically live. Month 2 I used Month 1 info to plan my budget of what I'm willing to spend based on the income I'm expecting and mapped out how much I could save based on that number. You will find yourself regularly adjusting your budget and thats okay, especially if you had NO system at all previous to the app like me. Suddenly I'm really good at saving. I've recommended the app to literally everyone around me. I'm not a bot or a paid reviewer. I genuinely hope you all invest in managing your finances, it's necessary. I know it feels backwards to pay $15 for this app but you're investing in something you will need and actually use for a long time. That was my TED talk lol
Developer Response
Wow - our favorite TED talk yet! Thanks so much for your great review and we truly appreciate your amazing feedback!
Best finance app period
App Store War
I was looking for a replacement for Nerdwallet as it couldn’t connect Fidelity to itself for whatever reason. I asked a finance subreddit about alternative recommendations. Monarch caught my eye out of the recommendations and I tried it with an open mind. The very first day I tried it I was 100% sold. How this is not the top finance app ratings and popularity wise is a miss to me. It genuinely has everything. I was pleasantly surprised that it not only connected my Fidelity account but it also showed all of my investments separately from my cash which I thought was so convenient. It also had a “reoccurring” tab where I can put and see all of my incoming expenses and income on whatever frequency basis it comes in. The “rules” literally allows me to distinguish any type of transaction I want with a simple if, then function. When I saw this I was more then sold alone. I can go on and on about all the different things encompassing this app but the bottom line is it will change your life. It’s THEE 21st century finance app. Buy it annually because you’ll save more and enjoy having all your finances everywhere all in one place. Use the refer a friend come as well to give your friends a 30 day trial instead of s typical 7 so they can try as well. They might be a harder sell but 30 days is more than enough time to realize this is the best finance app period
Developer Response
We absolutely love this! Thanks so much for your great review and we're so happy that you love Monarch!
This one is a winner!!
Karen in Monterey
As a die-hard Mint user, I was horrified when I heard they were shutting it down. And after doing a lot of research, I was convinced no one else could replace it. But boy, was I wrong!! Monarch Money is SO much better than Mint was and it is worth every penny! As with any new app—especially a powerful financial one—there is a bit of a learning curve, however so much can be automated that it soon nearly takes care of itself. And in the few months that I have been using it, the Monarch team has been cranking out the improvements faster than any other app I have ever used. Truly impressive! There are sometimes glitches with the data aggregators that automatically gather the transactions and data from your financial institutions, but Monarch is constantly and actively working to improve that aspect, so I am willing to put up with a bit of inconvenience as they work it out with the thousands of institutions they connect to. (By “inconvenience” I mean I sometimes have to re-login to an institution to re-connect it….not a big deal.)Monarch has knocked it out of the park with this “Mint on steroids” solution that they have developed. I can’t wait to see what other fabulous features they implement that I never even knew I needed. Keep it up, Monarch!! You make me glad that Mint shut down and motivated me to find something exponentially better!
OBSESSED!!! Two suggestions…
heyitscaylie
This is extremely close to mint. Its very simple, very clean, and I like that you can add your partner if you want. No syncing issues either. Just a week of using and it’s already helping me me more mindful of what I’m spending with daily check ins. Since a lot of competitors are cheaper or even have a one time buy it feature, I would really really like to request the one time buy. Make it expensive enough for others who don’t want to commit to a budget app to stay on a month by month subscription, but just the right price for someone like me who knows what they like in a budgeting app and are willing to pay. I love Monarch. I don’t like subscriptions. Another thing that isn’t super necessary but that I would enjoy are little challenges, or rewards for in the app when I am continuing good money habits/saving. There’s a few other apps out there that do this, including Mint (RIP), and I really had fun with it. Again, these are just suggestions. I love your app and the effort that has been put into it. It shows. Congratulations on gaining a lot of customers! I know the whole team for Monarch must be thrilled. Sometimes it just takes one app disappearing for others to take the risk on you, download your app, and absolutely love it!
- Added a home screen widget, Siri Shortcut, and Quick Action for receipt scanning and uploading.
- Improved app startup and navigation when launching from widgets, shortcuts, and deep links.
- Share multiple receipt images at once for bulk upload via the share sheet.
- Goal Contribution chart now includes a zero line, trend overlays, and interactive tooltips.
- Rollover icon now displays consistently in the Flexible budget section when rollover is enabled.
We're always improving Monarch — stay tuned for more updates!
Version 2.0.89
The developer, Monarch Money, Inc., indicated that the app’s privacy practices may include handling of data as described below. For more information, see the developer’s privacy policy .
Data Linked to You
The following data may be collected and linked to your identity:
Financial Info
Contact Info
User Content
Identifiers
Usage Data
Diagnostics
Privacy practices may vary, for example, based on the features you use or your age. Learn More
Accessibility
The developer has not yet indicated which accessibility features this app supports. Learn More
