Monarch: Budget & Track Money

Monarch: Budget & Track Money

By Monarch Money, Inc.

  • Category: Finance
  • Release Date: 2020-11-18
  • Current Version: 2.0.46
  • Adult Rating: 4+
  • File Size: 76.86 MB
  • Developer: Monarch Money, Inc.
  • Compatibility: Android, iOS 14.0
Score: 4.88704
4.88704
From 55,207 Ratings

Description

Consider Monarch your home base for money clarity. Simplify your finances by bringing all your accounts into one easy view, have confidence in always knowing where your money is and where it's going, and collaborate with your partner or financial professional to track, budget, and reach goals together. Monarch has been recognized by the Wall Street Journal as the “Best Budgeting App,” by Forbes as the “Best Mint Replacement” and by Motley Fool as the “Best Budgeting App for Couples and Families.” Getting started is simple. Connect your accounts and Monarch will auto-categorize your finances, giving you actionable insights in minutes. Customize your dashboard to give you the information you need at a glance, including your net worth, recent transactions, how you’re tracking toward your budget, investment performance, and upcoming expenses. Monarch makes it easy to take steps today to build toward your long term plans, all in one simple and collaborative financial tool. Track - Connect your accounts and see everything in one place so you can get a clear view of how your money is moving and track progress on your net worth. - Always know what’s around the corner with subscriptions and bills tracked in one easy calendar or list view and notifications so you don’t miss a payment. - Keep an eye on subscriptions so you can cancel what you no longer need. - Sync with your credit cards and loans and Monarch will provide statement balances and minimum payment due. - Search for any transaction, across all of your accounts - no shuffling between apps to find charges or refunds. - View and customize reports for quick insights on your spending across groups and categories and trends over time. Budget - Monarch offers two ways to budget - Flex Budgeting or Category Budgeting - so you can choose to have the structure or flexibility you need and make budgeting feel easy. - Get a quick view of your budget progress with visual progress bars and a dashboard widget. - Customize your groups and categories, emojis, and your notifications to keep you on track. Collaborate - Add your partner or other household members and team up on your finances, whether you choose to have joint bank accounts or not. All at no extra cost. - Invite your advisor, financial coach, tax professional or estate planning attorney so they can give you accurate advice with little effort required of you. Plan - Create and track progress toward your medium and long term goals. - Set up contributions toward your goals within your monthly budget, and watch your savings compound over time. A Membership With You in Mind Our focus is on building a product that can transform your relationship to money, bringing clarity and confidence to your financial life. As a Monarch member, you’ll get access to all the new features we build and have the opportunity to vote on and provide feedback for new features on our roadmap. We build with the feedback from our community in mind. No Ads Monarch is not supported by advertisers and is designed with the sole purpose of making it easy and intuitive for you to manage your finances. That means we will never interrupt your experience with ads or try to sell you another financial product you don’t need. Private and Secure Monarch uses bank-level security, and we never store any of your financial credentials. Our platform is read-only, so there is no risk of your money moving. We take your privacy seriously and will never sell your personal or financial information to third parties. MEMBERSHIP DETAILS Monarch is free to try for 7 days. After your trial period, a membership fee will be billed either monthly or annually, depending on which plan you select. Privacy Policy: https://www.monarchmoney.com/privacy Terms of Use: https://www.monarchmoney.com/terms

Screenshots

Reviews

  • Duplicate transactions

    3
    By Grace 2023
    It’s cool cuz it automatically assigns your transaction for you. But the reason why we left the last budgeting app was because we didn’t trust it. With the duplicate transactions we definitely don’t trust it.
  • Tremendous product

    5
    By Northeast Broker
    It’s amazing software that will help you easily quantify and improve your financial life
  • The perfect app!

    5
    By MittFalls
    I love it and use it daily. Would recommend to anyone.
  • Great app, worth the money

    5
    By Homer_J127
    I’m a fan , it’s a nice one stop shop to keep an eye on your finances. I came over from mint and I feel a lot better about paying this annual fee but knowing my data isn’t being sold to everyone under the sun. As opposed to mint which was free but that just means that I was “the product” for advertisers. Hope monarch holds true to that and stays successful!
  • Subscription Needed

    1
    By overworked grubworm
    Can't even look at the interface after being forced to register an account - payment required for $99 annually or $15 monthly with a "7-day free trial" you MUST accept to essentially open the app. Not worth the time spent; if I can't see the app, why would I potentially pay for it? Free trials are a hassle as they attempt to auto-enroll you in a subscription without notifying you or seeking permission. Seems fishy to need a subscription to even look at an apl.
  • Best app of its kind

    5
    By silph33d
    I think I’ve tried them all. This one is the cleanest. I hope they come up with a budget module that can align to arbitrary start and end days of the month.
  • Loving this app!!!

    5
    By AtlKayrae
    I was an early adopter of Mint. At some point in no longer met my needs (maybe it was me, maybe it was the app) so I used a series of other tools to manage my money. Most of which I didn’t love. Fast forward to 2025 and I needed to get a more holistic picture of my finances. I began searching and found Monarch. Admittedly, I did not want to pay for a money management app. However, after checking out the features, the ease of use and easy to understand formats, I was immediately in love. This app gives me a total picture of my finances and the goal feature is extremely motivating. This has become my go to app! Love love love!!!
  • Where are hidden accounts?

    2
    By Depend
    I can find hidden accounts any more.
  • Notification part is confusing

    1
    By Sbsbshb
    Changing it to 1 star, what the heck are the new updates i think i would not be renewing anymore. Exclude account balance and hide transactions changes are killing me . Why do i need to look under setting hidden to find transactions and not under transaction tab. If account is excluding account balance i cant see it in mobile app this is illogical.
  • Failed to show all transactions

    2
    By App doesn’t load
    I’m very disappointed to write this review, but Monarch has costed me hundreds in the last few months because it didn’t successfully import all of my transactions across multiple credit cards. This means that it didn’t show me an accurate picture of my finances and spending, and it caused me to overspend in various categories because many transactions were not being shown. It didn’t show about $1000 worth of transactions over a 3 month period, on average. I switched back to Rocket Money, which is showing me everything, and it’s jaw dropping how much I overspent in the last 6 months because Monarch was not showing everything properly, and I thought I had more in my budgets than I actually had left. I’m giving 2 stars because Monarch is truly a great app with lots of premium features that I loved, but this is a crucial flaw that needs to be reviewed.

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