Unified financial tracking
Connect bank accounts, credit cards, loans, real estate, and investments in one place, then use Monarch’s dashboards and reports to see net worth, spending, cash flow, and portfolio performance together.
Monarch
Monarch is a subscription-based personal finance app for tracking accounts, budgeting, planning, and collaborating on money management. It supports web, iOS, and Android access and connects to 13,000+ financial institutions.
Personal finance management in one app
Monarch is a subscription-based personal finance app for tracking accounts, budgeting, planning, and managing money in one place. It brings together bank accounts, credit cards, loans, real estate, and investments so you can see your full financial picture instead of jumping between apps and bank sites.
The product is designed for people who want a clearer view of spending and net worth, but also for households or couples who need to coordinate finances together. Monarch supports flexible budgeting, recurring bill tracking, goal planning, and shared account views, and it works across web, iOS, and Android.
Core features
Flexible budgeting
Choose Flex Budgeting or Category Budgeting, adjust groups and categories, and use rollovers and forecasts to plan around monthly and non-monthly expenses.
Goal-based planning
Set savings goals with target amounts, planned monthly contributions, and account assignments so progress updates automatically as you save or invest.
Collaborative money management
Invite a partner or professional to collaborate on the same financial picture, budget together, and keep shared finances aligned without extra cost.
Recurring and transaction review
View recurring bills and subscriptions in a calendar or list, get reminders, and use review tools to catch unexpected charges or transactions that need attention.
Cross-device access
Use Monarch on web, iOS, and Android, with widgets and swipe-based review tools on mobile for quick check-ins on the go.
Common ways to use Monarch
Get a full financial overview
Use Monarch as a central dashboard when you want to see spending, cash flow, net worth, and investments together without checking multiple apps or websites.
Create a budget that matches your life
Build a budget that fits variable expenses and non-monthly costs, using Flex Budgeting or Category Budgeting to stay organized without forcing every expense into the same model.
Plan toward specific goals
Track savings for a house, vacation, or other long-term target by assigning accounts to goals and watching progress update over time.
Manage finances collaboratively
Coordinate money decisions with a partner or financial professional by sharing a full view of accounts, budgets, and progress in one place.
Review recurring spending
Monitor subscriptions, recurring bills, and transaction changes so you can spot unexpected charges and keep monthly spending under control.
Pros and Cons
Pros
- Brings budgeting, tracking, planning, and collaboration into a single app.
- Supports a wide range of account types, including banks, loans, real estate, and investments.
- Offers flexible budgeting options rather than a single rigid method.
- Includes shared account and collaboration features for partners or professionals.
- Works on web, iOS, and Android, with data kept in sync across devices.
Cons
- Pricing details beyond the 7-day trial are not shown in the provided text.
- The source material gives high-level feature descriptions, but some workflow details such as onboarding and specific syncing behavior are not fully explained.
FAQ
What is Monarch used for?
Monarch is a personal finance app that brings together account tracking, budgeting, planning, and collaboration in one place. It supports web, iOS, and Android access.
How does Monarch handle budgeting?
Monarch offers flexible budgeting approaches, including Flex Budgeting and Category Budgeting. It also supports non-monthly expenses with rollovers and future spending forecasts.
Can I use Monarch with a partner or advisor?
Yes. Monarch is built to let partners or a financial professional collaborate without extra cost, and it offers a shared view when both partners sync their accounts.
Is there a free trial or free plan?
Monarch provides a 7-day free trial on its pricing page. The site also says the app is ad-free and subscription-based, but it does not list detailed plan pricing in the provided text.
What accounts and connections does Monarch support?
The site says Monarch connects with more than 13,000 financial institutions using multiple data providers. It also supports bank accounts, credit cards, loans, real estate, investments, and recurring bill tracking.
Quick Facts
- Category
- Personal finance app
- Platforms
- Web, iOS, Android
- Pricing
- Subscription-based; 7-day free trial mentioned
- Data connectivity
- Connects to 13,000+ financial institutions
- Primary use
- Track, budget, plan, and collaborate on money management
- Website
- monarchmoney.com
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