# Monarch: Budget & Track Money — user reviews > 1,424 indexed App Store user reviews of Monarch by Monarch Money, Inc., rated 4.90/5 from 107,620 ratings. - Source: https://appshunter.io/ios/app/monarch-budget-and-track-money/id1459319842/reviews - App overview in markdown: https://appshunter.io/ios/app/monarch-budget-and-track-money/id1459319842.md - Rating breakdown: 5★ 98,892 · 4★ 7,126 · 3★ 723 · 2★ 251 · 1★ 628 ## What do users think of Monarch? Overall sentiment: positive **Pros** - 💻 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 **Cons** - 🔁 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 **Commonly reported bugs** - Duplicate transactions - Incorrect net worth calculations - Inconsistent budget tracking across web and mobile **Most requested features** - Calendar view for upcoming bills - Multiple currency support - Improved investment tracking and reporting - Credit score monitoring - Automatic savings goal tracking ## Newest reviews (10 of 1,424) ### 4/5 — Reporting *2026-08-30, version 2.0.113* I does a very poor job with producing tabular reports, the graphics are pretty, but not very useful for analysis., Most programs have a variety of reports tracking sounding, by group, and categories by month, or spending versus budget in similar fashion. Otherwise program is great and easy to use. ### 4/5 — Functional *2026-08-29, version 2.0.113* This tracks everything you need and the best part is the account sharing. The UX is not quite there yet, it could use some customization work like moving things around and more themes, but all the functionality is much appreciated. I think the budget part is a little confusing how to set up at the beginning. ### 5/5 — Great app *2026-08-26, version 2.0.112* I’ve tried a few personal finance apps and Monarch is far and away the most proactive with integrations and makes it easy to track manual accounts alongside them. ### 5/5 — Useful *2026-08-26, version 2.0.112* Very useful for people whose finances are spread out between multiple services (bank, brokerage, 401k plan, credit cards, even Venmo, etc) to get an understanding of your cash flow. ### 5/5 — Friendly convenient budget app *2026-08-25, version 2.0.112* Best thing since mint ### 5/5 — On my 3rd year *2026-08-24, version 2.0.112* I am been very satisfied and gifted it to my parents. I use it every day, fully satisfied customer. 🏆🥇 ### 4/5 — Review *2026-08-24, version 2.0.112* 9/10 app, only issue is that I need to reconnect my accounts every week ### 1/5 — Doesn’t connect with Scotiabank *2026-08-21, version 2.0.112* Would love to use the app but it doesn’t connect with Scotiabank and it seems like it’s been over 9 months of issues with that connection so it seems they don’t take it seriously ### 3/5 — Easiest budgeting app yet *2026-08-21, version 2.0.112* Just works, which is high praise. Except that my wife and I have not been able to make her membership work with the Monarch account I started and that’s a big problem for family use. ### 5/5 — Great for transparency *2026-08-20, version 2.0.111* Fantastic for those with ADHD and have a hard time keeping it all aligned. ## Most critical reviews (10 lowest-rated) ### 1/5 — Data Loss *2026-09-01, version 2.0.113* This company is clearly astro-turfing these reviews. Apple, do something about this. Tried the paid plan for nine months. Data was literally lost. Duplicate record imports. Regular account disconnections. Right now I’m stuck in a captcha loop and can’t even access my account. Support is useless. Don’t believe the fake reviews. Stay away. And, Apple, do something here to protect your customers!!!!! ### 1/5 — Doesn’t work *2026-08-30* No transaction show up. ### 1/5 — Paywall *2026-08-30, version 2.0.113* $15 a month to even use the app. Wish this was more transparent. It’s also unclear whether your partner would also need to pay this $15 fee (which would be absurd) ### 1/5 — Budget usability issue in last update *2026-08-30, version 2.0.113* Last update removed the ability click on budget category and see transactions. It only shows the totals and have to sift through transactions to find them. Huge usability issue! ### 1/5 — Connection issues that don’t get fixed *2026-08-28, version 2.0.113* Our bank has a known connection issue with all 3 connection platforms. It’s been a month and still broken. It makes the app worthless. ### 1/5 — Poor service and sync *2026-08-28, version 2.0.113* I thought this was a good replacement for Mont for my money tracking. Spent the next year chasing down over charged service and help tickets. These guys are idiots. Use Origin, so much better and no issues. ### 1/5 — Sorry Canada *2026-08-25* Not compatible for me in Canada banking. ### 1/5 — CIBC, nearly impossible *2026-08-25* You need to manually download your CIBC transactions to make this app work. OBSI or FCAC need to get involved. ### 1/5 — Waste of money! *2026-08-24, version 2.0.112* 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 ### 1/5 — Doesn't work with island savings *2026-08-22, version 2.0.112* Doesn't work at all with island savings. Me spending money at a gas station isn't income but to the app it is ## Most praised reviews (10 highest-rated) ### 5/5 — Worth it *2026-08-31, version 2.0.113* It’s only 100 dollars a year and I’ve already saved 1000 dollars a month after seeing where my money’s been going ### 5/5 — Amazing app *2026-08-31, version 2.0.113* Before this app, I was so frustrated and worn down on budgeting. One night I stayed up researching apps that were out there. This one immediately caught my attention. After so many apps not meeting my needs, I was hesitant but then thought, “what’s the worse I can lose in a 7 day free trial,?” I’m so glad I took a chance. This app meets all my needs and is simply amazing!! I have been telling all my friends and family about it!! ### 5/5 — Everything we were missing *2026-08-30, version 2.0.113* Update 1 year late: We still love it. They continue to tweak and improve and provide great new features to make everyday budgeting and long term planning better! Original: We’d skipped from Mint to NerdWallet and looked at countless others searching for an app that would allow us to view and manage all of our finances in one place - and allow us to budget. This is the first app we’ve found that gives us all that and the kitchen sink. The interface is incredible to use, the customization elements are deliberate, functional, and exactly what we needed. This is definitely worth every penny. ### 5/5 — It great *2026-08-30, version 2.0.113* Easy to see ### 5/5 — Fantastic Budgeting and Finance App *2026-08-29, version 2.0.113* A great finance and budgeting app that looks clean, easy to use and navigate, and focuses on exactly what it advertises. Great functionality and different options to view everything related to your finances. One of those apps where you are happy to pay for because it provides a great service for the price. I tried a few different ones and nothing matches the simplicity and functionality of Monarch. ### 5/5 — Amazing *2026-08-29, version 2.0.113* To put it simple It has everything you need for budgeting worth the money ### 5/5 — BRING BACK THE MCP!! *2026-08-28, version 2.0.113* Amazing app, had an incredible MCP that got “blocked by partners”… bring it back!! We want our data freeeeeeeedoommmmmmm ### 5/5 — Can’t manage what you don’t measure *2026-08-28, version 2.0.113* Has helped my wife and I align on goals and spending. ### 5/5 — Best budgeting app ever *2026-08-28, version 2.0.113* Seriously, it makes it so easy. ### 5/5 — Essential *2026-08-28, version 2.0.113* Cant live without it --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-04.*