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Monarch Money
All-in-one wealth management platform
As of 30 August 2026, Monarch Money starts at $99/year. Monarch Money is a comprehensive wealth management platform combining budgeting, investment tracking, and financial planning for a complete view of your finance. Softwr lists it under Personal Finance. Monarch Money is made by Monarch Money Inc., launched in 2022, available on Web, iOS, Android.
Overview
What Monarch Money does
Monarch Money is a comprehensive wealth management platform combining budgeting, investment tracking, and financial planning for a complete view of your finances.
What people use it 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
Related searches
The honest half
Where it falls short
Concrete and checkable, so you can decide whether any of them matter to you. This is the half of a review a vendor will not write about Monarch Money.
- The free trial is one week, after which a paid subscription is required to keep using the app
- The advertised 30 percent discount with code WELCOME applies to the first year only and is restricted to new users
- There is no free tier, and a Plus tier gates features above the base subscription
Cross-shopped
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Each pairing was judged by two reviewers asking whether a buyer would genuinely weigh the two against each other. The ones that failed were deleted rather than published.
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Pricing
What Monarch Money costs
Taken from the vendor's own pricing page. Prices move, so check before you buy.
Core Plan
$99 /yr
- 7-day free trial
Plus
On request
- Premium features
Capabilities
Features
Budget management
Investment tracking
Tax planning
Financial insights
Bank accounts
Integration with Bank accounts
Investment accounts
Integration with Investment accounts
Cryptocurrency
Integration with Cryptocurrency
Web support
Available on Web
IOS support
Available on iOS
Android support
Available on Android
Answered, with sources
Questions people ask
Each answer names the page it came from, so you can check it rather than take our word for it.
How much does Monarch Money cost?
Monarch Money Core plan costs 99 USD/year, referenced in customer testimonials and promo code terms. Additional Plus tier exists but specific pricing is not disclosed on the main page.
SourceIs there a free trial?
Yes, Monarch Money offers a 7-day free trial for new users with no credit card required.
SourceAre there discounts available?
Monarch Money offers 30% off the first year with promo code WELCOME for new members on annual Core plan subscriptions. Cannot be combined with other offers.
SourceBehind it
Who makes Monarch Money
- Company
- Monarch Money Inc.
- Based in
- San Francisco, California
Keep looking
Where to go from Monarch Money
- Monarch Money alternativesEvery product people weigh against it
- Monarch Money pricingPlans, floors and what the tiers exclude
- Monarch Money badgesWhich rules it meets, and the figure behind each
- All Personal Finance softwareThe full category
- Best Personal Finance softwareThe shortlist, and how it was cut
Best Personal Finance software for
Compare Monarch Money with
- Lunch Money
- Kraken
- Coinbase
- PayPal
- Cash App
- Banktivity
- Moneydance
- Personal Capital
- Quicken
- Fidelity
- Charles Schwab
- Wealthfront
- Money Manager
- MoneyWiz
- PocketGuard
- Robinhood
- Moneydance
- Personal Capital
Other Personal Finance software
Hosted budgeting app with bank sync, crypto and multi-currency tracking, pay-what-you-want annual pricing
From $60/yr11 researched notes
Softwr does not host reviews and shows no star rating for Monarch Money, because a rating we did not collect is not ours to publish. What is here is the pricing and platform detail from the vendor’s own pages, limitations we could state concretely, and alternatives a reviewer confirmed people weigh against it. Tell us if any of it is wrong.
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Monarch Money pricing
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