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Monarch: Budget & Track Money

Monarch: Budget & Track Money

Spending, Net Worth, Investing

100K ratings
1298 reviews
With Ads#7 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App PurchasesWith Ads

Details

  • Released
  • Updated
  • November 18, 2020
  • July 15, 2026

Features

Developer

Monarch Money, Inc.
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Monarch: Budget & Track Money screenshot #1 for iPhone
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iphone
ipad
🧾$14.99 - $199.99
In-App Purchase↘︎
📊no. 7
Charts↘︎
📌Ready
Reviews summary↘︎
⭐1.3K
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📝40+ tags
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🔄6+ apps
Alternatives↘︎
🎪3 available
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❓5 answered
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📦~ in 6 days
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About

Consolidate all your financial accounts into a single, intuitive dashboard. Track spending, manage budgets, monitor investments, and collaborate with others to achieve your financial goals with actionable insights.

✓Connect all financial accounts
✓Auto-categorize transactions
✓Customizable dashboard
✓Track net worth and investments
✓Subscription and bill tracking
✓Flexible budgeting options
✓Collaborate with partners and advisors
Show original description

What users say

Summarized from real user reviews of Monarch. Based on 100K reviews and a 4.9/5 average, it highlights the 8 positives and 6 negatives reviewers mention most about this Finance app.

Positive things

  • 💻Extremely customizable
  • 🤝Great for couples
  • 🔍Comprehensive budgeting and net worth tracking
  • 📈Excellent data visualization
  • 🚀Intuitive and user-friendly interface
  • 🆕Frequent updates and new features
  • 🔒Secure and ad-free experience
  • 🎨Clean and modern design

Negative things

  • 🔁Recurring account disconnection issues
  • 🇨🇦Limited support for Canadian users
  • 💰Expensive subscription cost
  • 🕰️Slow transaction updates
  • 🐛Bugs and data inconsistencies
  • 🚫Lack of live support and slow response times
See all reviews
+1

What's New in Monarch

2.0.106

July 15, 2026

- Added a "By owner" option to spending and income reports, allowing multi-member households to compare spending and income per person. - Fixed an issue where the app did not immediately update when switching system themes (light/dark mode) while using the "System preference" appearance setting. - The Continue button for billing ZIP now stays visible above the keyboard during input. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.

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Subscription plans

Yearly Plus Subscription

Budget, save, track, and tools for long-term planning

$199.991 Year
How to cancel Monarch subscription ⁉️

Charts

Top Grossing

📊 7

Finance

The app has maintained its position at 7 recently.

Last updated on July 18, 2026.

Top Free

📉 53-1

Finance

This app dropped -1 position in Finance chart.

Last updated on July 18, 2026.

Events

Read more about New Feature: Credit Score
Event EndedMajor Update

New Feature: Credit Score

Credit scores now in one powerful finance app

Jul 14, 2025 — Aug 14, 2025

Read More

Read more about Introducing Bill Sync
Event EndedMajor Update

Introducing Bill Sync

A more complete picture of your bills is here

Nov 19, 2024 — Dec 1, 2024

Read More

Read more about Swipe to review your spending
Event EndedMajor Update

Swipe to review your spending

Get a clear view of your money quicker than ever.

Oct 1, 2024 — Nov 1, 2024

Read More

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User reviews

Most RecentHighest RatedLowest Rated

Must Have for Budgeting

Far and away the best budgeting app I have ever used. Every feature you could dream of has been added and it is perfect for managing finances with a spouse. The team behind Monarch is constantly pushing updates and clearly takes great pride in their work.
NewLoofaNewLoofa

Hate apps that do this

I hate it when your trying to find a good app for something and find an app with great reviews and is perfect for what you need so you down load it just to find out that you have to pay for it. It’s one of the worst experiences and you could just put the price where you download it so everyone knows
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NateHasABigForeheadNateHasABigForehead

Easy

So far so good. Very intuitive
Julito713Julito713

Requesting refund

I have cancelled the subscription and yet got billed how do I get it back
apagidipapagidip

If monarch sucks…

They all suck which is exactly the case… ive been using monarch for about a year now and haven’t saved a dime yet monarch thinks ive saved about 3k and there is no way to fix the mess 🤦🏻‍♂️
maAdaAaaamaAdaAaaa
See 1293 more reviews

User experience

🐞

Reported Bugs

3 issues

Duplicate transactions

Bug

Incorrect net worth calculations

Bug

Inconsistent budget tracking across web and mobile

Bug
✨

Requested Features

5 requests

Calendar view for upcoming bills

Feature

Multiple currency support

Feature

Improved investment tracking and reporting

Feature

Credit score monitoring

Feature

Automatic savings goal tracking

Feature

FAQ

What does Monarch do?

Monarch is a personal finance app that consolidates all your financial accounts into one place. It helps you track spending, manage budgets, monitor investments, and collaborate with others to achieve your financial goals. The app provides actionable insights and a clear view of your money's movement.

What are the key features of Monarch?

Key features include connecting all your financial accounts, auto-categorizing transactions, a customizable dashboard, tracking net worth and investments, managing subscriptions and bills, flexible budgeting options, and the ability to collaborate with partners and financial advisors.

How much does Monarch cost?

Monarch is available for free with in-app purchases. While the app offers core functionality for free, certain advanced features or premium access may require an in-app purchase. Specific pricing details are available within the app.

Is Monarch compatible with my devices?

Monarch is designed for mobile devices, implying compatibility with both iOS and Android operating systems. Users can typically download and use the app on their smartphones and tablets.

Who is Monarch best for?

Monarch is ideal for individuals and couples seeking a comprehensive solution to manage their personal finances. It's particularly useful for those who want to track their spending, create budgets, monitor investments, and collaborate on financial matters with a partner or financial professional.