Your home base for money clarity
Monarch simplifies finances by bringing all your accounts together into one clear view. Always know where your money is and where it's going.
Try Monarch Free for 7 DaysEverything you need, all in one app
Connect your accounts and Monarch will do the heavy lifting to categorize your finances. From there, you can track, budget, collaborate, and set goals specific to you.
Explore TrackingThe modern way to manage money
Budgeting shouldn't be a chore. Create flexible budgets that adapt to your life. Reallocate funds on the fly and never feel restricted by rigid rules.
See Budgeting FeaturesBetter together
Invite your partner or financial advisor at no extra cost. Share a unified view of your net worth while keeping individual logins secure and private.
Learn About Partner SyncYour goals, on track
Create a clear plan to save for what matters—whether it's a home, a vacation, or a rainy day fund. Set targets and watch your savings grow.
Start PlanningNet Worth
All your accounts, in one place
Connect all your bank accounts, credit cards, loans, real estate, and investments to see your entire financial picture in one place. When you and your partner both sync your accounts, you'll get a shared view of your finances.
Subscriptions
Take control of your subscriptions
Monarch automatically detects your recurring subscriptions—like streaming services, gyms, or app memberships—so you never lose track of what you're paying for. It's an easy way to spot forgotten charges.
Every transaction in one list
Monarch brings all your transactions into one clean, searchable list—no more jumping between apps or bank websites. Mark transactions as reviewed to stay on top of your spending.
Best-in-class data connectivity
Monarch syncs with multiple financial data providers, more than other apps, to connect with 13,000+ financial institutions and keep them in sync.
On every device, always in sync
Monarch works seamlessly across web, iOS, and Android.
Custom Dashboard
Rearrange widgets to build a dashboard that shows exactly what matters to you most when you log in.
Rollover Budgets
Unused budget amounts roll over to the next month automatically, just like the envelope system.
Custom Categories
Create completely custom categories and rule sets so your transactions are organized your way.
What Users Love
- Clean, modern, ad-free interface
- Most reliable bank connections (Plaid, MX, Finicity)
- Free partner/advisor collaboration
- Completely customizable budgets
Things to Consider
- Premium only (no permanent free tier)
- Advanced reporting takes time to set up
- Not meant for complex business accounting
Try Monarch free for 7 days
See and manage your finances all in one place. No ads and best-in-class connectivity.
How it compares
| Features | Monarch | YNAB | Simplifi |
|---|---|---|---|
| Modern UI & Dashboard | Excellent | Steep Learning Curve | Basic |
| Partner Collaboration | Free Included | Included | Limited |
| Custom Categories | Unlimited | Yes | Yes |
| Ad-Free Experience | Yes (100%) | Yes | Yes |
| Bank Connections | Multiple Providers | Plaid Only | Intuit Only |
What our members say
"I love everything about this app. Building a budget is easy, tracking spending is awesome, and everything I wanted in an app this can do! So easy and flexible."
"Finally a financial dashboard that allows for intuitive customization but also has a powerful set of pre-built functionality! Safe to say we've become more aware of our financial situation."
"Mint shutting down was a blessing in disguise. Monarch is way better and the connections to institutions way more reliable than Mint. Extremely happy with this app."
"Monarch has been a game-changer for how my wife and I manage our finances. It's transformed our money conversations from stressful guesswork into a clear, shared plan of action."
Track, budget, and feel good about your money with Monarch in your corner.
Join hundreds of thousands of users who have found financial clarity.
Get started todayThis is an independent affiliate promotional page. The official logo, trademarks, UI screenshots, and brand name belong entirely to Monarch Money, Inc. We may earn a commission if you purchase through our links, at no extra cost to you. Pricing and features are subject to change by the official provider.
