Monarch Money
budgeting · US, CAMonarch Money is a modern all-in-one personal finance app built by a team that previously founded Mint (the original budgeting category leader). It covers budgeting, investment tracking, net worth monitoring, bill management, and collaborative household finance — all in one subscription. The Flex Budgeting model lets users choose between monthly rollover budgets (money not spent rolls forward) and traditional monthly caps. Account sync uses Plaid, MX, and Finicity for wide bank coverage including US and Canadian institutions. The investment tracking is notably strong: it handles 401(k)s, IRAs, taxable brokerage accounts, crypto, and even alternative assets, with automatic price updates. Unlimited shared accounts (couples, families, or financial advisors with client accounts) are included at no extra cost. Goals and transaction-level collaboration (notes, tags, splits) make it the strongest option for shared household finance. The primary drawback is price — at $14.99/month or $99.99/year, it's the most expensive pure budgeting app on the market, and the 7-day trial is very short for evaluating a platform with this much depth.
Quick Answer
Monarch Money is designed for personal businesses. Pricing starts at $14.99/mo. Best suited for US, CA-based businesses. Strongest household collaboration features — unlimited shared accounts, shared goals, and transaction notes are best-in-class for couples
Pricing
// verify pricing before launch — prices shown may not reflect current vendor rates
Key Features
- •Flex Budgeting — choose between rollover budgets or traditional monthly caps per category
- •Investment tracking: 401(k), IRA, brokerage, crypto, and alternative assets with auto price updates
- •Net worth monitoring with historical trend charts and goal tracking
- •Unlimited shared accounts for couples, families, or financial advisors
- •Bill management and recurring transaction tracking
- •Transaction-level collaboration: notes, tags, receipts, and custom splits
- •Customizable dashboards and reporting
- •Goal tracking for savings, debt payoff, and spending targets
Pros
- +Strongest household collaboration features — unlimited shared accounts, shared goals, and transaction notes are best-in-class for couples
- +Excellent investment and net worth tracking across multiple account types including crypto
- +Flex Budgeting model is genuinely innovative — rollover budgets work well for variable expenses like groceries
- +Founded by ex-Mint team, bringing deep category expertise and a product vision that fills the gap Mint left
- +Cross-platform with full Android, iOS, and web support — no platform restrictions
Cons
- −No permanent free tier — the 7-day trial is very short for a platform with this much depth to evaluate
- −Priciest option in this category at $99.99/year (Core) or $199/year (Plus), with Plus offering limited additional value for most users
- −Occasional sync delays with certain financial institutions, though less frequent than competitors
- −Goal features are useful but less structured than YNAB's methodology-driven approach
- −Overkill for single users who just need basic budgeting — Copilot Money or YNAB may be better fits
Platforms
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Reviewed by Finatune · Last updated 2026-06-20