Manage money with Monarch, a modern financial planning app. Personal finance should be easy to understand and simple to accomplish. Achieve your goals with Monarch.

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, income and overall savings simply and easily. All assets and debt can be found in one unified list with account syncing. No matter how many financial institutions you have accounts with, Monarch tracks your total net worth in one simplified view.

Saving money doesn’t need to be complicated. Research has shown that when we can see how our short-term behaviors impact our long-term goals, we’re more likely to make better decisions. 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.

Custom Dashboard:
- Securely connect your accounts, assets and liabilities, so you can see everything in one place
- Manage money with up-to-date balances and transactions, displayed in a simple, clean dashboard
- Track expenses in one unified list, mapped according to past spending and saving behaviors
- Focus on what matters most to you with customizable widgets that make on-the-go tracking easier
- Streamline financial management by collaborating with a partner for a joint view of your finances

Budget Tracker:
- Saving money and tracking expenses is easy with Monarch
- Track spending, income, assets and your total net worth so you always have the complete picture
- Easy budget monitoring, with a budget view that tracks your monthly progress
- If you get off track, we’ll help you adjust your plan without feeling bad!

Financial Goals:
- Create a long-term financial plan and goals to stay on track month to month
- Track expenses, receive motivation and have fun documenting your progress 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 to impact your future

Additional Features:
- Budget tracker provides an all-in-one overview and joint view of your finances
- Invite and collaborate with a spouse, partner or financial professional to hit financial goals
- Track expenses with Monarch’s automatic categorization feature
- Set up rules so that you can easily rename or recategorize future transactions exactly as you want them
- View a simplified dashboard or an in-depth overview in app or on the web - whatever is more convenient
- Customizable alerts: get notified to changes in your money

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. Additionally, 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 1.0.49

Check out the What's New section to learn more about all our recent updates.

Ratings and Reviews

4.8 out of 5
318 Ratings

318 Ratings

bsilva09 ,

Best budget app, only need to change goals feature

Overall, I really like simplicity yet robust feature set of the app. I use this instead of mint now because mint is very clunky and has lots going on. This app works quicker, easier to navigate, and the best feature (monthly budgets) is structured in my opinion the right way. You can see how much left to spend and it works.

Also, I can finally use a budgeting app with my spouse that she isn’t confused by! The best feature for couples is that we both can use the app.

Only feature I think doesn’t work well and if changed would truly set this app apart from everything is the Goals feature. It’s not feasible because if you contribute money to your “car savings” account, that transaction cannot be tracked in your goal category. So every time you put money in particular savings account, the goals category on your budget doesn’t track that expense in the category at all. So, you have to go into goals and manually allocate money there. Goals need to be linked to specific bank accounts so that there’s someway to track when a goal is being fulfilled monthly. Mint does this well and I think you guys should adopt this feature and everyone will use the feature more.

Wplay ,

The perfect way to manage my financials and I can tell they’re actively working to make it better!

I’ve tried several financial apps and this is by far the best and most integrated one. All of my accounts seamlessly connect (although I wish they would update faster). I use the iOS app and the browser version on my iPad. I hope they release an iPad version soon. The UI and product experience is great, although I do wish that they made the “planning” experience feel a bit more intuitive and structured. I found it difficult to understand how to set my budgets and where to compare what my typical spending for each expense type was. Even though that was part of the process it wasn’t immediately apparent how to set things and what they meant. It’s still a better experience than any of the other apps I’ve tried. I really like that I can add my fiancé and that we can both begin to see how our combined financials look like. I like that they show what features they are currently working on and allow users to provide input directly. I look forward to using Monarch and to see them improve on an already great experience.

Developer Response ,

Thank you! Glad you're enjoying Monarch.

Melhoshy ,

Taking personal finance to the next level :)

I’ve been using this for a few days now and would say it’s a nice alternative to Mint that has more focus on cash flows and categorizing transaction to better understand your monthly income vs expenses, and helps you budget against them. I really like the monthly summary page, in addition to the ability to quickly see category spend and allocate against it.

I personally have a bit of an interest in the space and use Mint and Personal Capital currently, in addition to aggregating my accounts via Bank of America and Chase as well. I am always curious to test out different features, and help me understand financial picture including investments and RSUs and such — and this app seems to “just get it”.

I am quite impressed in first few days of use and will definitely be shifting more of my focus from Other apps to this.

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


  • Family Sharing

    With Family Sharing set up, up to six family members can use this app.

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