Personal finance analytics · Monarch Money, Inc.

Monarch Money

Subscription personal finance app that links bank, credit, and investment accounts for budgeting, net worth, and goal tracking.

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Monarch Money is a consumer budgeting and net-worth app that aggregates checking, credit, loan, and investment accounts through account-linking providers, then generates cash-flow, spending, and net-worth views. It supports shared household budgets with collaborator access, custom categories and rules, goal tracking, and investment holdings summaries. Unlike bank-subsidized free apps, Monarch runs on a paid subscription with no ad-supported tier, which the company positions as an incentive to keep the product focused on the user rather than on selling data or placements. It is cloud-hosted only, with web, iOS, and Android apps, and is aimed at individuals and couples who want a single dashboard across many accounts rather than a spreadsheet or bank-by-bank view.

At a glance

Vendor Monarch Money, Inc.
Pricing model Subscription
Free tier No
Deployment Cloud
Open source No
Best for Individuals and couples who want one collaborative dashboard across many linked accounts and are willing to pay for an ad-free product.

Pricing

Paid subscription billed monthly or annually, with a short free trial and periodic first-year discount codes; no permanent free tier.

Pricing has not been verified yet — see the vendor's site.

Features

  • Linked bank, credit, loan, and investment account aggregation
  • Shared household budgets with multiple collaborators
  • Custom categories, rules, and tags
  • Net worth tracking over time
  • Goal tracking (savings, debt payoff)
  • Investment portfolio and holdings view
  • Recurring bill and subscription detection
  • Custom reports and cash-flow charts

Integrations

Profile last reviewed September 21, 2026

Head to head

Alternatives

Copilot iOS-first personal finance app with linked-account budgeting, net worth, and investment tracking and a native, ad-free design. YNAB Zero-based budgeting app that assigns every dollar a job, with linked accounts, goal tracking, and shared household budgets. Quicken Simplifi Linked-account budgeting and spending-plan app from Quicken, positioned as a simpler, cloud-based alternative to desktop Quicken. Tiller Spreadsheet-native budgeting tool that auto-feeds linked bank and investment data into Google Sheets or Excel templates.

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Terms to know

Net worth tracking Periodically totaling personal assets minus liabilities to see how one's overall financial position changes over time.

Related guides

How to choose a personal finance app Envelope budgeting, linked-account dashboards, spreadsheet feeds and self-hosted ledgers solve money tracking differently — pick the method first. How to track personal finances with data Categorizing spending, calculating net worth and savings rate properly, and choosing a tool that fits how you actually think about money. Investment analytics for individuals, explained How individual investors measure their own portfolios — the questions worth asking, the metrics that matter and the tools that answer them.