Monarch: Budget & Track Money 4+

Spending, Net Worth, Investing

Monarch Money, Inc.

    • Free
    • Offers In-App Purchases



Monarch is a modern and refreshing way to manage money and track expenses. Our finance tracker is an all-in-one tool to help you achieve the highest level of financial control and clarity with ease.

Manage money and track expenses with a custom dashboard, modified to focus on what matters most to you. Track expenses, savings and investments easily with one simplified view.

Manage subscriptions or track bills with a calendar of recurring expenses. Money management is now more possible than ever with a calendar view of upcoming charges.

Saving money doesn’t need to be complicated. Track personal finance goals and see how your monthly income, spending, and savings behaviors compound over time to impact your financial future.

Improve your financial life with an easy and simple, all-in-one financial tool.

New Features:
- Manage subscriptions and bills with one calendar displaying all of your recurring charges
- View a list of recurring bills and subscriptions with attributes and include them in an existing Plan Forecast or future projections
- Widgets can be placed on your home screen to show things like budget or goal progress

- Track investments by syncing your holdings & compare your portfolio performance to key benchmarks
- Our portfolio tracker lets you analyze historical performance & chart your allocation
- Integrations with Coinbase and Zillow to track crypto holdings and property value

Budget Tracker:
- Track spending, income, assets and your total net worth so you always have the complete picture
- Easy budgeting, with a budget view that tracks your monthly progress
- If you get off track, we’ll help you adjust your personal budget without feeling bad!

Expense Tracking:
- Track expenses and manage your personal budget with Monarch’s automatic categorization
- Get alerted to changes and set up rules to recategorize future transactions
- Monthly expense and income summaries allow you to view your total cash flow
- View your top merchants with expense breakdowns to see where you are spending your money

Custom Dashboard:
- Securely connect your accounts, assets, and liabilities for an easy overview
- Manage money with up-to-date balances and transactions, displayed in a simple dashboard
- Track expenses in one unified list, mapped according to past spending and saving behaviors
- Customizable widgets make on-the-go financial tracking easier
- Streamline financial management by collaborating with a partner for a joint view of your finances

Financial Goals:
- Financial planner: Create a long-term financial plan and goals to stay on track
- Track expenses, receive motivation and have fun progressing toward milestones
- At the end of each month, apply leftover savings toward your goals
- Watch your monthly income, spending and savings behaviors compound over time

A Membership With You in Mind:
Financial literacy and personal finance, simple and attainable. Our mission at Monarch is to help you improve your financial life. When you sign up for a Monarch membership, you get access to our roadmap portal where you can suggest and vote on the features that will help you the most. We’re here to serve you.

No Ads:
Monarch is not supported by advertisers. That means we will never interrupt your experience with annoying 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 way to move money around. We highly value your privacy and will never sell your personal or financial information to third parties.

Take charge of your personal finance, with Monarch.


Monarch is free to try for 7 days. After the trial period, the membership fee will be billed either monthly or annually, depending on which plan you select.

Privacy Policy:
Terms of Use:

What’s New

Version 1.0.209

* Fixes an issue that was preventing users from linking new accounts with Finicity.
* Fixes an issue that could cause the wrong transactions to be displayed for a specific account in certain circumstances.

Thank you for using Monarch! We're always striving to enhance your experience and address issues swiftly. Continue enjoying the app with these latest updates!

Ratings and Reviews

4.9 out of 5
22.6K Ratings

22.6K Ratings

Karen in Monterey ,

This one is a winner!!

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!

heyitscaylie ,

OBSESSED!!! Two suggestions…

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!

Ericpsu ,

Mint features for infinitely more money

This has potential to be better than Mint, but there are definitely some hurdles. I’ll focus on the constructive criticism. I’ve been using this for a couple weeks and there was a decent amount of work involved in transferring Mint data and setting everything up. But I’m glad it was possible. What’s unacceptable is that every morning at about 4am I get a 2 factor auth text message for one of my accounts. I’m not sure why that happens since it seems to update just fine. Maybe I should try linking the account a different way but I’m worried it will erase the history imported from Mint. The goals feature is interesting. I don’t necessarily have a goal in mind but I added a savings goal to test the feature and it added a savings line in my budget. What’s weird is regardless of how much I save each month that budget item stays at zero unless I designate a transaction towards that goal. But if I designate a transaction as being a part of that savings goal it’s completely detached from what I actually saved that month (I.e. selecting a paycheck for a savings goal implies I saved the entire paycheck). So in short I like this app, and it has potential to maybe even be better than Mint, but I don’t like it a $100/year subscription worth. I would consider a lifetime subscription and would recommend that to developers as an option.


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App Privacy

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:

  • Purchases
  • 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

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