Monarch Money
Track, budget, plan, and do more with your money
About Monarch Money
Monarch Money is a comprehensive personal finance app that combines budgeting, investment tracking, net worth monitoring, and financial planning in one dashboard. Built as a modern replacement for Mint, it connects to 13,000+ financial institutions and is designed for individuals and couples.
Pros & Cons
Pros
- Comprehensive all-in-one financial dashboard combining budgeting, investments, and net worth
- Ad-free experience with no upselling of financial products
- Excellent for couples with free household sharing
- Connects to 13,000+ financial institutions via multiple data providers
- Beautiful visual charts and intuitive interface
- Modern Mint replacement with better features and privacy
Cons
- No free tier—requires paid subscription after 7-day trial
- Desktop experience is stronger than mobile app
- Learning curve due to extensive customization options
- Limited financial education resources compared to some competitors
- Only available in the US and Canada
Key Features
Flexible Budgeting
Choose between Flex Budgeting or Category Budgeting to match your preferred style of money management
Investment Tracking
Monitor portfolio performance, asset allocation, gains and losses across all connected investment accounts
Net Worth Tracking
See your complete financial picture with real-time net worth calculations across all accounts
13,000+ Institution Connections
Connect bank accounts, credit cards, loans, real estate, and investments from thousands of financial institutions
Couples & Household Support
Invite partners, family members, or financial advisors to your household at no extra cost
Cash Flow Forecasting
Project future cash flow based on recurring income and expenses to plan ahead
Subscription Detection
Automatically detect recurring subscriptions so you never lose track of what you are paying for
Financial Reports
Spending and income reports with visual charts that highlight trends and top categories
Pricing
- All features included
- Unlimited account connections
- Household sharing
- Investment tracking
- Cash flow forecasting
- All features included
- Unlimited account connections
- Household sharing
- Investment tracking
- Cash flow forecasting
- Save vs monthly
Best For
Personal Budgeting
Track spending, set category budgets, and stay on top of your financial goals
Couples Financial Planning
Share a unified view of household finances with your partner while maintaining individual accounts
Investment Portfolio Monitoring
Track investment performance across multiple brokerages in one dashboard
Net Worth Tracking
Monitor your complete financial picture including assets, liabilities, and progress over time
Subscription Management
Identify and manage recurring subscriptions to eliminate unnecessary spending
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