Monarch: Personal Finance App 4+

Budget Tracker & Money Manager

Monarch Money, Inc.

    • 4.8 • 2.3K Ratings
    • 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 1.0.116

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

Ratings and Reviews

4.8 out of 5
2.3K Ratings

2.3K 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.

clopez787 ,

Switched from Mint and very happy so far

After using Mint for 12 years, I decided to look for something different.

I did a lot of research on the current personal finance app landscape and opened up “trial” accounts with about 5 different apps, and Monarch was by far my favorite.

1. Great UX with a clean, pretty, modern UI
2. No ads or having my data sold
3. An app that has tablestake features such as the ability to review transactions (how does Mint still not have this???)
4. Zero-sum budgeting
5. Responsive customer support
6. Open and public product roadmap with the ability to submit and upvote feature requests
7. Auto-categorization that is highly accurate

Additionally, I looked up a lot of their team members on LinkedIn and was happy to see that almost all of them have been there for a long time (pretty uncommon these days in the startup world), plus the CEO is ex-Mint and led their Product team before the Intuit acquisition.

The main “con” that stands out to me is price (Monarch is on the pricey side compared to the competition), but in the grand scheme of things $90 a year is doable for me if it means I don’t have to feel the frustrations I felt with Mint (I spend more than that a night at bars).

Really happy so far that I made the change and looking forward to seeing how the app evolves.


Monthly Subscription
Create a plan, track expenses & manage money.
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Yearly Subscription
Create a plan, track expenses & manage money.
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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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