Best Monarch Money Apps

193+ iOS apps curated and reviewed

4.7 avg rating
20 free apps
Updated August 2026

The best monarch money apps on iPhone average 4.7★ across 193+ titles — we've ranked them by what real users actually keep on their phones. Updated August 2026.

Compare top Monarch Money Apps (August 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Monarch: Budget & Track MoneyMonarch: Budget & Track MoneyFree4.9★ (106K)NoYesAug 2026
2Rocket Money - Bills & BudgetsRocket Money - Bills & BudgetsFree4.5★ (384K)YesYesAug 2026
3YNABYNABFree4.8★ (61K)NoYesAug 2026
4Copilot: Track & Budget MoneyCopilot: Track & Budget MoneyFree4.8★ (30K)NoYesAug 2026
5NerdWallet: Smart Money AppNerdWallet: Smart Money AppFree4.8★ (125K)YesNoAug 2026
6EveryDollar: Budget ManagementEveryDollar: Budget ManagementFree4.7★ (84K)NoYesAug 2026
7Buddy: Budget Planner AppBuddy: Budget Planner AppFree4.7★ (9.4K)NoYesAug 2026
8Intuit Credit KarmaIntuit Credit KarmaFree4.8★ (7.7M)NoNoAug 2026

Top Picks for Monarch Money

Monarch: Budget & Track Money#1

Monarch: Budget & Track Money by Monarch Money, Inc.

Spending, Net Worth, Investing
Editor's Choice
💰 Finance
4.9😊(106K ratings)
FreeIn-App Purchases
#7in Finance
Monarch: Budget & Track Money screenshot 1
Monarch: Budget & Track Money screenshot 2
Monarch: Budget & Track Money screenshot 3
Monarch: Budget & Track Money screenshot 4
Monarch: Budget & Track Money screenshot 5
Monarch: Budget & Track Money screenshot 6

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.

What We Love

  • 💻 Extremely customizable
  • 🤝 Great for couples
  • 🔍 Comprehensive budgeting and net worth tracking
  • 📈 Excellent data visualization

Room to Improve

  • 🔁 Recurring account disconnection issues
  • 🇨🇦 Limited support for Canadian users
  • 💰 Expensive subscription cost
Rocket Money - Bills & Budgets#2

Rocket Money - Bills & Budgets by Rocket Money

Subscription & Expense Manager
Strong Contender
💰 Finance
4.5😊(384K ratings)
FreeAdsIn-App Purchases
#3in Finance
Rocket Money - Bills & Budgets screenshot 1
Rocket Money - Bills & Budgets screenshot 2
Rocket Money - Bills & Budgets screenshot 3
Rocket Money - Bills & Budgets screenshot 4
Rocket Money - Bills & Budgets screenshot 5
Rocket Money - Bills & Budgets screenshot 6

This personal finance app helps you manage your money by tracking expenses, creating budgets, and automating savings. It also finds and cancels forgotten subscriptions and negotiates lower rates on your existing bills.

What We Love

  • 🚀 Comprehensive financial tracking
  • 👍 User-friendly interface
  • 💰 Helpful budgeting and savings features
  • 🔒 Secure account integration

Room to Improve

  • 🐛 Buggy app performance and connectivity issues
  • 💸 Misleading or ineffective bill negotiation service
  • 🔍 Difficulty linking all accounts and transactions
YNAB#3

YNAB by You Need A Budget LLC

Never worry about money again
Worth Considering
💰 Finance
4.8😊(61K ratings)
FreeIn-App Purchases
#5in Finance
YNAB screenshot 1
YNAB screenshot 2
YNAB screenshot 3
YNAB screenshot 4
YNAB screenshot 5
YNAB screenshot 6

This app helps users gain control of their finances by creating flexible spending plans, tracking expenses, and managing debt. It aims to reduce financial stress and empower users to reach their goals. Features include account linking, manual transaction entry, and collaborative planning for multiple users.

What We Love

  • 💰 Helps save money
  • 👍 Intuitive and easy to use
  • 🚀 Efficient budgeting system
  • 🤝 Helpful for couples/families

Room to Improve

  • 🔍 Steep learning curve
  • 🔌 Connectivity issues with some banks
  • 💰 Expensive subscription

More Monarch Money apps to explore

4
Copilot: Track & Budget Money
Copilot: Track & Budget Money
Copilot: Track & Budget Money
Spending, investing, net worth
Free

This app provides a clear and simple way to manage your finances. It offers smart tools for categorizing spending, budgeting, and tracking investments, all with bank-level security and personalized support. Reclaim control of your financial data with an intuitive interface.

AI-powered transaction categorizationAdaptive budgeting based on habitsSubscription tracking
💰 Finance
(30K)
subscription
5
NerdWallet: Smart Money App
NerdWallet: Smart Money App
NerdWallet: Smart Money App
Track, Save & Invest
Free

This app helps you manage your finances by tracking spending, monitoring bills, and providing insights into your credit score and cash flow. It also offers opportunities to earn interest on cash, invest in Treasury Bills, and automate investments.

Track cash, investments, credit cards, loans, and propertyMonitor and cancel recurring bills and subscriptionsActionable financial insights on credit score and cash flow
💰 Finance
(125K)
free with in-app purchases
6
EveryDollar: Budget Management
EveryDollar: Budget Management
EveryDollar: Budget Management
Track Income, Bills & Spending
Free

This app helps you create custom budgets, track expenses, and manage your money effectively. It aims to reveal hidden savings and empower you to pay off debt, build wealth, and achieve your financial goals.

Create custom budgetsTrack expenses and transactionsManage bills and income
💰 Finance
(84K)
free with in-app purchases
7
Buddy: Budget Planner App
Buddy: Budget Planner App
Buddy: Budget Planner App
Bill Tracker & Money Manager
Free

This app helps you create and manage personal or shared budgets. Track expenses, connect your bank account for automatic transaction import, and gain a clear overview of your spending, income, and savings. It also features tools to split costs and settle up with others.

Create personal budgetsShared budgeting for couples/groupsConnect bank accounts for transaction import
💰 Finance
(9.4K)
free with in-app purchases
8
Intuit Credit Karma
Intuit Credit Karma
Intuit Credit Karma
Save, Spend & Grow Your Credit
Free

Manage your finances, monitor your credit, and explore personalized offers for loans and insurance. Simplify tax filing and access banking services. Premium features offer enhanced identity protection and bill negotiation.

Connect accounts for spending insightsMonitor credit score changesCompare loan and insurance offers
💰 Finance
(7.7M)
free with in-app purchases
9
Quicken: Budget & Track Money
Quicken: Budget & Track Money
Quicken: Budget & Track Money
Investing, Spending, Net Worth
Free

Manage personal and business finances in one app. Track income, expenses, and investments, create budgets, and monitor spending. Business features include invoicing and tax preparation tools.

Connect and track financial accountsCreate custom budgets and spending plansSet savings goals and track debt payoff
💰 Finance
(12K)
free with in-app purchases
10
Monarch Mobile
Monarch Mobile
Monarch Mobile
by Monarch Wealth Strategies
Free

Access your financial information securely and conveniently on the go. View your assets, accounts, financial statements, and performance reports with a clear, simple interface. Share critical data with your trusted advisor easily.

Secure financial information accessDashboard control for assets and accountsView financial statements
💰 Finance
(3)
free
11
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
PocketGuard・Budget Planner App
Expense & Subscription Manager
Free

This app simplifies personal finance by automatically tracking expenses and bills. It helps you understand your disposable income, analyze spending habits, and manage subscriptions to save money. Set financial goals and create debt-payoff plans with smart algorithms.

Automatic expense trackingBill and subscription monitoringDisposable income calculation
💰 Finance
(7.7K)
free with in-app purchases
12
Catalyst Cash: Money Manager
Catalyst Cash: Money Manager
Catalyst Cash: Money Manager
Know what's safe to spend.
Free

This app provides weekly financial clarity by telling you what to do next with your money. It helps you understand what's safe to spend, upcoming bills, and the best card to use for purchases, offering a sharper plan each week.

Weekly money audit for actionable insightsSafe-to-spend number before billsCatch upcoming subscriptions and fees
💰 Finance
(3)
freemium
13
SnapKoin: Fast Expense Tracker
SnapKoin: Fast Expense Tracker
SnapKoin: Fast Expense Tracker
Minimalist Budget & Finance
Free
$3.99 | 100% OFF

This minimalist finance app allows for quick expense tracking without accounts or servers, ensuring your privacy. It offers customizable categories, real-time insights via widgets and charts, and a clutter-free interface for easy money management.

Lightning-fast expense trackingCustomizable two-tier categoriesReal-time insights with widgets
💰 Finance
(2)
free with in-app purchases
14
mora: no buy & spend challenge
mora: no buy & spend challenge
mora: no buy & spend challenge
stop impulsive shopping & save
Free

This app helps you curb impulsive shopping by introducing a pause before purchases. Log tempting items, set a waiting period, and reflect on your desires to make more intentional buying decisions.

Log impulse purchase temptationsSet custom pause durationsTrack no-buy streaks
🌟 Lifestyle
(1)
free
15
Crown Currency Auctions
Crown Currency Auctions
Crown Currency Auctions
by Crown Currency
Free

Participate in live auctions for world banknotes from your mobile device. Preview upcoming lots, receive push notifications for items of interest, and track your bidding history. Engage in sales conveniently while on the go.

Live auction biddingPreview upcoming lotsPush notifications
🛍️ Shopping
(3)
free
16
Budget & Split Bills: Savida
Budget & Split Bills: Savida
Budget & Split Bills: Savida
Subscription & Expense Tracker
Free

Manage your finances with an all-in-one app that tracks spending, splits bills with friends, and monitors subscriptions. Get personalized guidance from an AI coach and set financial goals. Securely link bank accounts for automatic transaction syncing and expense categorization.

Automatic income and expense trackingEffortless bill splitting with friendsSubscription and bill management
💰 Finance
(2)
free with in-app purchases
17
Expense Tracker - The Easy Way
Expense Tracker - The Easy Way
Expense Tracker - The Easy Way
My Expense tracking made easy.
Free
$9.99 | 100% OFF
💰 Finance
(0)
18
Axio Money: Expense Tracker
Axio Money: Expense Tracker
Axio Money: Expense Tracker
Budget Planner & Finance
Free

This app helps you track expenses and income privately and offline. It offers on-device AI assistance for spending insights and customizable organization tools. Visualize your financial habits with interactive charts and detailed reports.

100% Offline & Private trackingOn-device AI Assistant (Axie)Log expenses and income quickly
💰 Finance
(1)
freemium
19
A2Z Money: Net Worth Tracker
A2Z Money: Net Worth Tracker
A2Z Money: Net Worth Tracker
Wealth, budget, retirement
Free

This app tracks all your financial accounts to project when your investments will outpace your salary. It provides a clear view of your net worth and cash flow, helping you understand your path to financial independence.

Net worth dashboardCash flow analysisCategorized spending
💰 Finance
(2)
freemium
20
Finance tracker: Daily budget
Finance tracker: Daily budget
Finance tracker: Daily budget
Track, Analyse & Share Expense
Free

Manage shared finances with a team. Track expenses, create budgets in real-time, and gain detailed insights into your financial goals. Features secure cloud sync and custom roles for easy collaboration.

Bank integration (UK only)Real-time shared budgetingAutomatic expense tracking
💰 Finance
(2)
free

FAQ about Monarch Money

What are the best monarch money apps for iPhone?
Monarch: Budget & Track Money tops our monarch money apps ranking as of August 2026, with a 4.9-star average from 106K App Store ratings, and it's free to download.
Yes — 20 of the top monarch money apps we rank are free to download, including Monarch: Budget & Track Money and Rocket Money - Bills & Budgets.
Monarch: Budget & Track Money has no ads and offers in-app purchases, according to its App Store listing as of August 2026.
We track 193+ monarch money apps on the iOS App Store as of August 2026, ranked by rating, recency, and analysis of real user reviews.
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.
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.

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