Monarch

Monarch is a personal finance app to track accounts, budget flexibly, plan goals, and manage household finances with web, iOS, and Android syncing.

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Overview

Monarch is a personal finance app for tracking, budgeting, planning, and collaborating around money. It brings bank accounts, credit cards, loans, real estate, and investments into one view so users can see net worth, cash flow, spending, and goals together.

The product is positioned as a subscription-based alternative to free finance apps. The pricing page emphasizes an ad-free experience, data connectivity, and a commitment to not selling members’ financial data, while the feature pages show workflows for transaction review, recurring bill tracking, flexible budgeting, reporting, and shared household money management.

Core features

Net worth and account aggregation

Connect bank accounts, credit cards, loans, real estate, and investments in one place to see net worth, assets, liabilities, and cash flow together.

Transaction tracking and review

Search transactions across accounts, let Monarch categorize them automatically, and mark items as reviewed to stay on top of spending.

Recurring bill and subscription tracking

See bills and subscriptions in a calendar or list, get reminders, and spot recurring charges that may need attention.

Flexible budgeting workflows

Use Flex Budgeting or Category Budgeting, adjust groups and categories, and add rollovers or forecasts for non-monthly expenses.

Reports and charts

Review spending, income, and net worth with customizable charts, including category breakdowns and a Sankey-style report view.

Shared household collaboration

Invite a partner or advisor to collaborate on shared finances, budgets, and goals without extra cost on the household view described on the site.

Common ways people use Monarch

See your full financial picture
Connect accounts to monitor balances, net worth, and day-to-day cash flow from a single dashboard instead of logging into multiple financial sites.
Manage a flexible monthly budget
Build a budget that fits variable spending, non-monthly expenses, and savings goals, then adjust categories or flex buckets as your situation changes.
Stay ahead of recurring expenses
Track bills, subscriptions, and recurring charges so you can review what is coming due and catch charges you no longer want.
Collaborate on household finances
Invite a partner to share accounts, review transactions, compare household spending, and work toward goals using the same financial view.
Plan for goals and purchases
Use reports and goals to watch savings progress over time and plan for specific purchases such as a vacation or home project.

Pros and Cons

Pros

Combines tracking, budgeting, planning, and collaboration in one app.
Supports a shared household view for couples and invited collaborators.
Automatically categorizes transactions and detects recurring charges.
Works on web, iOS, and Android.
Offers flexible budgeting approaches, including category-based and Flex Budgeting.

Cons

The collected pricing text does not include the full tier structure or exact monthly and annual prices.
Integration details are broad in the source text; it confirms 13,000+ institutions and multiple data providers, but not every supported partner or connection type.
Some workflow details are described at a high level rather than with step-by-step product limits or outputs.

FAQ

What does Monarch do?

Monarch is a personal finance app that brings your accounts into one place so you can track spending, net worth, budgets, goals, and recurring bills.

What devices does Monarch support?

The source pages show Monarch on web, iOS, and Android. It is designed to stay in sync across devices so you can review your finances on a laptop or phone.

Can couples use Monarch together?

Yes. Monarch is built around a shared household view, and the couples page says you can invite a partner to review transactions, collaborate on budgets, and track goals together at no extra cost.

Does Monarch offer a free trial?

Monarch offers a 7-day free trial on the pricing page, then moves to a subscription model. The page does not show the full tier breakdown in the collected text.

What can you do inside Monarch?

Yes. The tracking and budgeting pages show account aggregation, automatic transaction categorization, recurring bill detection, reporting, and flexible budgeting tools such as Flex Budgeting and Category Budgeting.