Why Monarch Money?
- Share with a partnerOne subscription for two
- Net worth trackingAccounts, investments and property
- Flexible budgetsCategory or flex budgeting
- GoalsPlan for big purchases
- Clean designWeb, iPhone and Android
- AI assistantAsk questions about your spending
Overview
Monarch Money grew quickly after Mint shut down in 2024 and is now one of the most popular budgeting apps. It covers budgeting, investments, net worth and goals in one place.
No free tier, but the trial is long enough to test with your real accounts.
Pricing
Monarch Money pricing at a glance, as of October 2026.
| Plan | Price (as of October 2026) | What you get |
|---|---|---|
| Monthly | $14.99 | Billed monthly |
| Yearly | $99.99 | Billed yearly |
| Partner | Included | Invite a collaborator |
Pricing note: prices are as of October 2026 in US dollars and can change. Check the app's site before you subscribe.
Try Monarch Money for yourself
Free trial, then $99.99/year.
Key features
- Account syncing: Banks, cards, loans and investments.
- Budgets: Category or flexible budgeting.
- Reports: Cash flow and spending trends.
- Goals: Save toward targets.
- Collaboration: Share with a partner or advisor.
What you can track
Bank and card spending, investments, loans, property values and net worth, all in one dashboard on web and mobile.
Pros and cons
What we like
- Best for couples
- Full financial picture
- Polished on every platform
- Flexible budgeting
What to watch
- No free tier
- Bank syncing can break
- Learning curve
- Yearly price is upfront
Who it is for
Pick Monarch if you want one place to see everything and share it with a partner.
Ready to start with Monarch Money?
Best for couples and families.
Alternatives to Monarch Money
FAQ
Is Monarch Money free?
No, but there is a free trial.
Can my partner use it?
Yes, at no extra cost.
Is Monarch a good Mint replacement?
Yes. It is one of the most popular choices for former Mint users.
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Not advice: Prices and features change often; check the provider's site before you buy. General information only, not tax, legal or financial advice. Consult a qualified tax professional.