Monarch: Budget & Track Money
Monarch Money, Inc.
About
Monarch is a personal finance dashboard that consolidates all your bank accounts, credit cards, and loans into one view with auto-categorized transactions and actionable insights. Connect your accounts to track net worth, monitor subscriptions and upcoming bills, search transactions across all accounts, and customize reports on spending trends. Choose between Flex Budgeting or Category Budgeting, set medium and long-term financial goals, and invite your partner, household members, or financial advisor to collaborate at no extra cost. Monarch uses bank-level security, stores no financial credentials, and operates ad-free with a read-only platform.
Highlights
- Connect multiple bank accounts, credit cards, and loans for a unified view of all finances
- Auto-categorize transactions and customize spending reports across groups and categories
- Two budgeting modes—Flex Budgeting and Category Budgeting—with visual progress bars and dashboard widget
- Invite partners, household members, or financial advisors to collaborate on finances at no extra cost
- Track subscriptions and bills with calendar or list view and payment reminders
- Set and monitor progress toward medium and long-term financial goals with built-in contribution tracking
Best for
Individuals and couples managing household finances who want a single dashboard for all accounts, budgeting, and financial planning. Also suited for families collaborating on money decisions and people working with financial advisors, coaches, or tax professionals who need transparent account access.
At a glance
Monarch: Budget & Track Money is rated 4.9 out of 5 from 31,786 ratings and is available on iOS and Android — all free to download.
It is developed by Monarch Money, Inc..
Screenshots
Frequently Asked Questions
- Is Monarch: Budget & Track Money free?
- Yes — Monarch: Budget & Track Money is free to download on iOS and Android.
- What platforms is Monarch: Budget & Track Money available on?
- Monarch: Budget & Track Money is available on iOS and Android.
- What is Monarch?
- Monarch is a personal finance app that consolidates all your bank accounts, credit cards, and loans into one dashboard. It auto-categorizes your spending, tracks your net worth, helps you budget, and lets you collaborate with partners or financial professionals—all with bank-level security and no ads.
- Can I use Monarch with a partner or family?
- Yes. You can invite your partner or other household members to collaborate on finances at no extra cost, whether you have joint accounts or separate ones. You can also invite financial advisors, coaches, tax professionals, or estate planning attorneys to view your accounts and provide advice.
- How does Monarch track subscriptions and bills?
- Monarch tracks all subscriptions and bills in one calendar or list view and sends notifications so you don't miss payments. You can also review subscriptions to identify and cancel services you no longer need.
- What budgeting options does Monarch offer?
- Monarch offers two budgeting modes: Flex Budgeting for flexibility and Category Budgeting for structure. Both include visual progress bars, a dashboard widget, and customizable categories, groups, emojis, and notifications to keep you on track.
- What are the alternatives to Monarch: Budget & Track Money?
- Monarch: Budget & Track Money is similar to Cash App, Monzo Bank - Mobile Banking, Copilot: Track & Budget Money, and PayPal - Pay, Send, Save. Browse related apps by tag: goal tracker, finance, banking, collaboration, and budgeting.
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