Personal Finance · pricing
Monarch Money pricing
Monarch Money publishes 2 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
As of 30 August 2026, Monarch Money pricing is $99/year across 2 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- $99/year
- Model
- Subscription
- Tiers
- 2
- Free tier
- Not on record
Monarch Money plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Core Plan | $99/year | 1 | Entry tier |
| Plus | On request | 1 | Priced on request |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Core Plan
$99/yearThe entry tier. It covers 7-day free trial.
Plus
On requestOver Core Plan, this tier adds:
- Premium features
What the product covers
The full Monarch Money feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- Budget management
- Investment tracking
- Tax planning
- Financial insights
Integrations
- Bank accounts
- Investment accounts
- Cryptocurrency
Platform
- Web support
- IOS support
- Android support
People bring Monarch Money in for tracking household budgets and spending across linked bank accounts, shared budgeting between partners in one account, monitoring net worth and investment balances alongside cash accounts. If that is not the job you are buying for, the alternatives to Monarch Money are worth a look before you commit to a tier.
How that compares in Personal Finance
Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Monarch Money (this page) | $99/year | subscription | - | |
| Monzo | Free | Free core current account; paid Plus and Premium tiers add features | - | vs Monarch Money |
| Revolut | Free | Free standard tier; paid plans add higher limits, insurance and perks | - | vs Monarch Money |
| Strands | On request | quote | - | vs Monarch Money |
| Affirm | Free | Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee | - | vs Monarch Money |
| Firefly III | Free | Open source, no licence fee | - | vs Monarch Money |
| Lunch Money | $60/year | Pay what you want, annual, above a published minimum | - | vs Monarch Money |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Monarch Money badges page.
Before you pay for Monarch Money
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 2 tiers between $99/year and On request, with the jump itemised above. With no free tier on record, the cheapest way to answer the rest is to compare Monarch Money against the tools that do have one before committing.
Monarch Money runs on web, ios, android, and is published by Monarch Money Inc. of San Francisco, California. The full record is on the Monarch Money review, and the rest of the category is under best personal finance tools.
Monarch Money pricing questions
- How much does Monarch Money cost?
- Monarch Money publishes 2 tiers, from $99/year for Core Plan up to On request for Plus. The cheapest paid tier is $99/year.
- Does Monarch Money have a free plan?
- Not on the record we hold: Monarch Money is listed as subscription. Whether a free trial is offered is not something this record captures, so check the vendor's site.
- What is the difference between Core Plan and Plus on Monarch Money?
- Plus costs On request against $99/year, and adds premium features.
- Is the Plus plan on Monarch Money worth it?
- That depends entirely on whether you need what it adds, which on the published record is premium features. It costs On request against $99/year for Core Plan. Softwr has not used either tier, so this page can tell you what changes, not whether it is worth the difference to you.
- Which personal finance tools can I use without paying?
- 6 of the 8 personal finance tools listed alongside Monarch Money have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.
- What am I actually paying for with Monarch Money?
- The record lists 10 features across 3 areas: other, integrations, platform. In practice it is brought in for tracking household budgets and spending across linked bank accounts, shared budgeting between partners in one account, monitoring net worth and investment balances alongside cash accounts.
- Does Monarch Money charge per user?
- The record carries a price and a billing period for each of its 2 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Monarch Money prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Monarch Money against before paying?
- The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with Monarch Money covering price, platforms and features.