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Monarch: Budget & Track Money

Monarch: Budget & Track Money

Spending, Net Worth, Investing

106K ratings
1384 reviews
#7 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • November 18, 2020
  • August 26, 2026

Features

Developer

Monarch Money, Inc.
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Monarch: Budget & Track Money screenshot #1 for iPhone
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Monarch: Budget & Track Money screenshot #10 for iPhone
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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 106K 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

2.0.113

August 26, 2026

- Receipts can now be sorted by receipt date or upload date. - Fixed issues with entering amounts and polished receipt settings. - Bug fixes and improvements. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.

More

Subscription plans

Yearly Plus Subscription

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

$199.991 Year
7 Days trial
How to cancel Monarch subscription ⁉️

Charts

Top Grossing

📊 7

Finance

The app has maintained its position at 7 recently.

Last updated on August 28, 2026.

Top Free

📈 71+5

Finance

This app rose +5 positions in Finance chart.

Last updated on August 28, 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

CIBC, nearly impossible

You need to manually download your CIBC transactions to make this app work. OBSI or FCAC need to get involved.
J3ff3rycJ3ff3ryc

Waste of money!

If you are a Canadian don’t bother choosing this app. It is so frustrating! There are constant connection issues with all Canadian banks. I utilize 4 different Canadian Banks and have connection issues at one or another on a daily, weekly basis.
I will NOT be renewing ! Urgh
Old Bat 1728Old Bat 1728

Review

9/10 app, only issue is that I need to reconnect my accounts every week
ahhahahahhaahahhahahahhaah

Fix

Fix cash app issues and you have my sub and 5star rating
RoyalfrostyRoyalfrosty

Monarch is awesome!

I tried YNAB and excel budgeting but Monarch was the only tool that stuck. So easy to use and provides information in easy to understand and sometimes very cool ways. As a visual learner, Monarch really helps me feel secure with my money.
<3 Genevieve<3 Genevieve
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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.