Monarchmoney

● Identity checked

Assistant · Vendor site 2026-10-04

Monarch is a personal finance app that aggregates accounts, tracks net worth and cash flow, and supports collaborative budgeting with a partner or advisor. It emphasizes ad-free, subscription-funded sync quality instead of selling user financial data.

Updated 2026-10-04View sources

Official website

Category: Assistant
Free access: Seven-day free trial on paid plans; pricing page requires a payment method before the trial ends.
API access: Not confirmed

Is Monarchmoney right for you?

A good fit for

Households and couples who want one subscription to track, budget, plan, and collaborate on money.

Before you choose

Promotional discounts such as WELCOME codes can change the first-year price shown at checkout.

Modern money management

Monarch positions itself as a home base for clarity—tracking accounts, budgeting, planning goals, and collaborating without ads.

What it can do

Features & capabilities

Unknown is different from unavailable. Each fact carries its own evidence.

Capability	Value	Evidence	Checked
Account aggregation	Connects financial accounts into one categorized view.	Facts sourced	2026-10-04
Budgeting	Flexible budgets adapt to changing spending patterns.	Facts sourced	2026-10-04
Collaboration	Partners and professionals can collaborate in the same workspace.	Facts sourced	2026-10-04

Understand the total cost

Monarchmoney pricing & plans

Core

$14.99 /mo

Monthly billing shows Core at $14.99 per month after the trial.

Budgeting: Core covers budgeting, saving, and account tracking features.
Collaboration: Partner collaboration is included without an extra seat fee.

Plus

$16.67 /mo

Annual billing shows Plus at $16.67 per month equivalent ($199.99 billed yearly).

Plus tier: Plus adds advanced planning features above Core on the pricing grid.
Annual billing: Plus is advertised with annual billing on the pricing page.

Explore pricing & history

Alternatives to Monarchmoney

View all ↗

Portfolio Pilot

PortfolioPilot is a hybrid-AI financial advisor for tracking net worth, optimizing taxes, and improving investments. The platform aggregates accounts, runs portfolio assessments, and layers personalized guidance with retirement, estate, and scenario planning tools.

Explore tool

Roastrocket

RoastRocket is operations software for independent coffee roasters to run white-label partner storefronts, wholesale ordering pages, and a house online store from one catalog. It handles catalog sync, payout math, shipping labels, tracking, and subscription-ready wholesale workflows.

Explore tool

PocketSmith

PocketSmith is personal finance software for budgeting, cashflow forecasting, and multi-currency tracking with automatic bank feeds from thousands of institutions. It adds dashboards, calendar views, and an MCP server so compatible AI assistants can query your finances with your permission.

Explore tool

The practical questions

Frequently asked questions

What is Monarchmoney used for?

Does Monarchmoney have a free plan?

Seven-day free trial on paid plans; pricing page requires a payment method before the trial ends.. This record does not confirm an ongoing free plan.

How much does Monarchmoney cost?

The listed monthly price is $14.99 USD at monthly billing. See the plan cards for entitlements, billing commitments and seat minimums.

Can I use Monarchmoney through an API?

Not confirmed. API access and subscription access may have different terms; consult the linked sources.

What should I check before choosing it?

Promotional discounts such as WELCOME codes can change the first-year price shown at checkout.

Price history

No retained pricing changes yet. A current price alone does not establish a historical trend.

How this profile is supported

Identity and profile

Reviewed vendor source

Read original source ↗

2026-10-04

Facts apply to the named version and check date. Send a sourced correction if something changed.