Monarch Money
What Monarch Money is
Monarch Money is a paid personal finance app for budgeting and broader financial tracking. It runs on the web, iOS, and Android, with mobile apps for both listed platforms. Core includes budgeting, net-worth tracking, custom reports, savings and debt goals, and tracking for recurring bills and subscriptions. Users can sync accounts and export reports. Plus adds retirement forecasting, business income and expense tracking, profit-and-loss reports, tax-preparation exports, advanced investment analysis, and an estate-planning benefit. Monarch Money offers a seven-day trial but no free plan. The service is made by Monarch Money, headquartered in Walnut, California. The two plans separate everyday budgeting and household tracking from additional retirement, tax, investment, business, and estate-oriented tools. Buyers can therefore choose based on whether Core’s budgeting and reporting features are sufficient or whether the additional Plus capabilities are needed.
Who it suits
It suits people who want budgeting, bill, net-worth, and account-sync tools across web and mobile. Plus may fit users needing retirement, business, tax, investment, or estate-planning features.
What it does well
- Web, iOS, and Android availability
- Budgeting and net-worth tracking
- Account sync and report export
- Recurring bill and subscription tracking
- Seven-day trial
What to know first
- No free plan
- Advanced features require Plus
- Plus adds business and tax tools only
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Core | Net-worth tracking · Budgeting · Custom reports · Savings and debt goals · Recurring bill and subscription tracking | On request |
| Plus | Retirement forecasting · Business income and expense tracking · Profit-and-loss reports · Tax-preparation exports · Advanced investment analysis · Estate-planning benefit | On request |
As monarch.com lists them, read 19 Sept 2026. The maker's own page has the final word.
Verdict
Monarch Money combines budgeting and financial tracking with account syncing and report export. Its Core and Plus plans let users choose between household money tools and broader planning features.
Facts from Monarch Money's own pages
- Account sync
- both · monarch.com, 19 Sept 2026
- Bill tracking
- Yes · monarch.com, 19 Sept 2026
- Budgeting tools
- Yes · monarch.com, 19 Sept 2026
- Free plan
- No · monarch.com, 19 Sept 2026
- Headquarters
- Walnut, California, United States · monarch.com, 28 Sept 2026
- Mobile apps
- both · monarch.com, 19 Sept 2026
- Net-worth tracking
- Yes · monarch.com, 19 Sept 2026
- Report export
- Yes · monarch.com, 19 Sept 2026
Where Monarch Money stands on Freedom251
- Expense Tracking#20 of 28
- Personal Finance Software#161 of 181
- Budgeting And Expense Tracking#26 of 29
- Personal Budgeting and Expense Tracking Apps#25 of 26