Monarch Money: Budget, Track, and Plan Together
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Monarch Money: Budget, Track, and Plan Together
Monarch Money is a comprehensive personal finance app designed for individuals, couples, and families who want to take control of their financial lives.
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Monarch Money: Budget, Track, ...
What Is Monarch Money?
Monarch Money is a subscription-based personal finance platform that syncs with thousands of financial institutions to provide a centralized view of your money.
It helps users budget smarter, track expenses, monitor credit scores, analyze investments, and collaborate with partners or advisors—all within a clean, intuitive interface.
Monarch Money Overview
| Offer | Best For | Cost | Get Started |
|---|---|---|---|
| Budgeting | Couples and families seeking collaborative budgeting and financial planning | $14.99/month $99.99/year |
Get 50% Off |
How Monarch Money Works
With tools for budgeting, expense tracking, investment monitoring, credit score tracking, and long-term goal planning, Monarch Money puts your entire money picture in one place.
- Sign Up: Create your account online and start a 7-day free trial.
- Connect Accounts: Sync unlimited bank, credit card, loan, and investment accounts for a complete view.
- Set Goals: Define financial goals—like saving for a home, paying off debt, or retiring early.
- Monitor Progress: Track spending, investments, subscriptions, and net worth with visual reports.
- Collaborate: Invite your partner, family, or advisor to view and manage finances together.
Key Features & Benefits
| Feature | Benefit |
|---|---|
| Comprehensive Budgeting | Create and customize budgets aligned with your spending and saving goals. |
| Goal Tracking | Set, track, and adjust short- and long-term financial goals. |
| Credit Score Tracking | View your credit score at a glance with monthly updates, trends, and alerts for significant changes. |
| Expense & Subscription Tracking | Stay on top of bills, recurring payments, and daily spending. |
| Investment Monitoring | Consolidate accounts and track portfolio performance, including real estate and crypto. |
| Account Integrations | Supports Coinbase, Zillow, Apple Card, and vehicle value syncing. |
| Collaboration Tools | Invite unlimited collaborators to manage finances together. |
| Cross-Device Access | Use on web, iOS, Android, and iPad for seamless access. |
Who Is Monarch Money For?
- Couples who want shared visibility into finances
- Families managing joint financial goals like saving or debt payoff
- Individuals serious about financial planning and wealth tracking
Pricing & Fees
- $14.99 per month
- $99.99 per year (equivalent to $8.33/month)
- Special Offer: Get 50% off your first year with code MONARCHVIP
Trust & Security
- Bank-level encryption protects your sensitive data
- Read-only connections keep your money safe
- 4.9-star rating on the App Store with 35,000+ reviews
- Named one of the Best Budget Apps of the Year
| Budgeting Style | Pay Yourself First, Zero-Based Budgeting |
|---|---|
| Features & Access | Account Aggregation, Budgeting Tools, Expense Tracking, Free Credit Score, Subscription Management |
| Fees & Pricing | Flat Monthly Fee |
| Perks & Value Adds | Credit Score Monitoring, Portfolio Tracking |
| Deals & Discounts | Discounted Pricing, Limited-Time Discount |
Monarch Money FAQs
Is Monarch Money free?
No, Monarch Money is subscription-based. However, you can try it free for 7 days.
Does Monarch Money support couples or families?
Yes. You can invite unlimited collaborators, making it ideal for couples, families, or advisors.
Can Monarch Money track my credit score?
Yes. Monarch now includes credit score tracking with automatic monthly updates, trend history, and notifications of significant score changes.
What makes Monarch Money different from YNAB or Simplifi?
Unlike other apps, Monarch combines budgeting, investment tracking, credit score monitoring, and goal setting into a single intuitive platform.
We appreciate your honest feedback. Share your real experience to help others make confident money decisions.
Jason Vitug –
Monarch Money stands out as the perfect budgeting app for couples and families. This app is designed to streamline your financial accounts by offering a holistic view of bank accounts, credit cards, and investment accounts all in one place.
With its user-friendly interface and top-notch financial planning tools, it’s easier than ever to monitor spending patterns and create a budget that suits everyone in the family.
What I liked most: Monarch Money’s ability to help you set and track savings goals, ensuring everyone’s financial dreams are on the same page. Plus,