SaaS Metrics
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
Product Positioning & Context
Related Ecosystem & Alternatives
Discover adjacent products, open-source repositories, and developer tools sharing similar technical architecture.
Deep-Dive FAQs
What is Monarch: Budget & Track Money?
Monarch: Budget & Track Money is a digital product or tool described as: Monarch Money, Inc.
Where did Monarch: Budget & Track Money originate?
Data for Monarch: Budget & Track Money was aggregated directly from the Apple App Store community ecosystem, representing raw developer and early-adopter sentiment.
When was Monarch: Budget & Track Money publicly launched?
The initial public indexing or launch date for Monarch: Budget & Track Money within our tracked developer communities was recorded on November 18, 2020.
How popular is Monarch: Budget & Track Money?
Monarch: Budget & Track Money has achieved measurable traction, logging over 87,730 reviews and facilitating 5 recorded discussions or engagements.
Which technical categories define Monarch: Budget & Track Money?
Based on metadata extraction, Monarch: Budget & Track Money is categorized under topics such as: Finance, Productivity.
What are some commercial alternatives to Monarch: Budget & Track Money?
Our semantic intelligence engine identifies potential commercial alternatives in the SaaS space, such as Jupid, which offers overlapping value propositions.
How does the creator describe Monarch: Budget & Track Money?
The original author or development team describes the product as follows: "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 goin..."
Community Voice & Feedback
This app is fantastic for me and our household. I use it to keep on top of our budget, ensure we are meeting our savings targets and following our investments. It’s a great way to get the whole picture in one place. App is very user friendly. Really like it. Recommended for sure!
It’s so easy to use and allocate expenses using this app straightforward, and helps also follow expenses on credit cards
I have used other money software but Monarch beats them all. Easy to use and very detailed. All they need is a monthly report that shows trends by category or groups. Very impressive software for the price.
On the positive side, the bank account integration and ability to rectify connection issues really beats the pants off YNAB. It’s also quite pretty and I wish I had had more time with some of the investment and budgeting aspects.
But on the negative side, Monarch just didn’t fit with my specific needs, particularly around cash accounts. Transfers to a cash account require two entries on separate screens instead of being able to choose the account I’m transferring with in the one transaction screen. (Same problem I had with Copilot, FWIW). The other thing I rely on a lot in YNAB is being able to initiate a cash transaction using Shortcuts. Monarch’s Shortcuts support is barely any and nothing related to transaction entry.
But on the negative side, Monarch just didn’t fit with my specific needs, particularly around cash accounts. Transfers to a cash account require two entries on separate screens instead of being able to choose the account I’m transferring with in the one transaction screen. (Same problem I had with Copilot, FWIW). The other thing I rely on a lot in YNAB is being able to initiate a cash transaction using Shortcuts. Monarch’s Shortcuts support is barely any and nothing related to transaction entry.
I have a lot of transactions and transfers that make an average bank statement look like a nightmare. Monarch does a great job of tying all of those accounts together, using rules to apply them to specific budgets and categories, and helping me keep track of what’s most important: spending less money than I make. I recommend this app to anyone I know that could use help with their budget.
If I experience any issues with this app, it’s typically due to an API that Monarch has to leverage to poll data (Plaid, MX, Finicity, etc). Accounts using MFA often fail and have to be updated on a weekly basis, so the app requires more manual intervention than I would hope for.
Outside of that, I have few quarrels with the app. I rigged up the Goals feature to calculate them backwards and track loans to friends/family, and the Rules feature makes most of the budgeting nightmares far more streamlined.
If I experience any issues with this app, it’s typically due to an API that Monarch has to leverage to poll data (Plaid, MX, Finicity, etc). Accounts using MFA often fail and have to be updated on a weekly basis, so the app requires more manual intervention than I would hope for.
Outside of that, I have few quarrels with the app. I rigged up the Goals feature to calculate them backwards and track loans to friends/family, and the Rules feature makes most of the budgeting nightmares far more streamlined.
My husband and I use this app to congregate all of our accounts and expenses and it makes our life so much easier and financially smarter. I Highly recommend!
I came to this app after hearing that Mint was disappearing. I have been comparing it to Mint, and so far, so good. I haven’t fully adopted the app yet, but I’m getting there. I am still comparing some features to other budgeting apps that I have used and or am currently subscribed to, like Marcus (by Goldman Sachs) and “Copilot Money” (a fairly new budgeting app). Let’s see how this goes.
Works great with other apps to review finances in one place
When mint shut down, I was upset. But I found Monarch which is better for a number of reasons. Here are my top 2:
1. You pay for it. Sure, it's a cost, but YOU are the customer, not advertisers like in Mint.
2. Sankey graphs on the web - the best way to visualize money flows hands down. Not on Mobile, but part of the whole value. They're great.
1. You pay for it. Sure, it's a cost, but YOU are the customer, not advertisers like in Mint.
2. Sankey graphs on the web - the best way to visualize money flows hands down. Not on Mobile, but part of the whole value. They're great.
Took a bit to set up and learn but it’s exactly what I was looking for in a budget app. I had used a similar one previously and kept wanting to have the features monarch did. I waited so long to transition because I was lazy and didn’t want to link my banks and make categories. That was silly.
Takes out the complexities
I really loved mint except for a few things like you can’t totally change the budget categories. I saw Monarch is from the developers of Mint. They made it way better!
As someone relatively new to financial tracking and budgeting, Monarch has been incredible for fostering confidence and financial literacy. Streamlined, no nonsense, never overwhelms, intuitive interface. Would recommend :)
I’ve been a loyal Monarch customer for several years. This app has been a good budget tool with reliable account connections. However, Monarch has always sorely missed planning features like goal planning and retirement planning. As of an email this evening, they finally released these features, only now I’d have to pay an extra $100/year to access them ($199 total). That is a crazy ask for a feature that should be standard with a standard $99 annual plan.
Sure the new “Monarch Plus” gives a free Will creation and a few business-specific features, but no one asked for that.
Budget forecasting and planning are standard features that no one should have to pay extra for. It looks like new Monarch subscribers can look forward to future upcharges for any forthcoming new features. Just wait for the new “Monarch Plus with AI” product coming next month.
Monarch, you messed up. Look elsewhere for your budgeting software.
Sure the new “Monarch Plus” gives a free Will creation and a few business-specific features, but no one asked for that.
Budget forecasting and planning are standard features that no one should have to pay extra for. It looks like new Monarch subscribers can look forward to future upcharges for any forthcoming new features. Just wait for the new “Monarch Plus with AI” product coming next month.
Monarch, you messed up. Look elsewhere for your budgeting software.
Unbelievable how bad the pre-determined categories are. How hard is it to google the name of a merchant and know what they sell? Also so remarkable hard to collaborate with your spouse. So diasspointing
Discovery Source
Apple App Store Aggregated via automated community intelligence tracking.
Tech Stack Dependencies
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Media Tractions & Mentions
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Deep Research & Science
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