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Monarch

Monarch

Modern budgeting app that gives you a full picture of your money and cash flow

softwarePersonal Financebudgetingcash-flownet-worth-tracking
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Our Verdict

Best for

Couples and individuals who want free collaborative budgeting plus full net worth and investment tracking.

Skip if

You want a permanently free budgeting app rather than a paid subscription.

What is Monarch?

Monarch (formerly Monarch Money) is a personal finance app that consolidates bank accounts, credit cards, loans, investments, and real estate into one dashboard for tracking spending, building flexible budgets, and monitoring net worth over time. It lets users invite a partner or financial advisor to collaborate on shared finances at no additional cost.

SpecificationsAI-estimated

deploymentCloud/SaaS
open source❌ No
api available❌ No
key integrationsBank and credit card account linking

Key Features of Monarch

Aggregates checking, savings, credit cards, loans, investments, and real estate into a single unified dashboard.
Custom, flexible budgets adapt to individual spending patterns rather than forcing a rigid category system.
Automatically detects recurring subscriptions and bills across linked accounts.
Customizable charts and reports track spending, income, and net worth trends over time.
Users can invite a partner or a financial professional to view shared finances without extra charge.
Goal planning tools let users set savings targets and track progress toward them.
Positioned as a direct replacement for users migrating off discontinued apps like Mint.

Use Cases for Monarch

1

Household budgeting

Track combined spending and set shared budgets with a partner at no added cost.

2

Net worth tracking

Monitor assets and liabilities across accounts, investments, and property over time.

3

Subscription and bill detection

Automatically surface recurring charges across linked accounts.

4

Working with a financial advisor

Give an advisor collaborative access to review finances without an extra subscription seat.

Pros & Cons of Monarch

Pros

  • Free collaboration with partners or advisors, no extra seats charged
  • Broad account aggregation including real estate and investments
  • Clean, modern interface frequently cited as a Mint replacement
  • Available across web, iOS, and Android

Cons

  • No permanent free tier, only a 7-day trial
  • Exact subscription pricing not published without starting a trial/promo flow
  • Bank connection reliability can vary by financial institution

Frequently Asked Questions

Is Monarch free?

No, Monarch requires a paid subscription after a 7-day free trial.

Can I share Monarch with my partner for free?

Yes, inviting a partner or financial advisor to collaborate does not require an additional subscription.

What accounts can Monarch track?

Bank accounts, credit cards, loans, investments, and real estate.

Is Monarch a Mint replacement?

Monarch is commonly used by former Mint users as a modern alternative after Mint's shutdown.

Pricing Overview

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Paid (Subscription)

Monthly

Contact for Pricing

Annual

Contact for Pricing

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Best For

🏠Homeowners & Families

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Monarch alternativesFree Monarch alternativesOpen-source Monarch alternativesBest Personal Finance

About the Product

Unclaimed Listing
Platforms
WebiOSAndroid
Target AudienceIndividuals and couples wanting a comprehensive, collaborative budgeting and net worth tool

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Tags

budgetingcash-flownet-worth-trackingaccount-aggregationfinancial-goals

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