Monarch: Budget & Track Money
Monarch Money, Inc.
About
Monarch is a personal finance app that consolidates all your bank accounts, credit cards, and investments into one dashboard. Connect your accounts and Monarch auto-categorizes transactions, tracks net worth, monitors subscriptions and bills, and provides spending insights across customizable categories. Choose between Flex Budgeting or Category Budgeting to match your style, set and track financial goals, and invite your partner, household members, or financial advisors to collaborate at no extra cost. The app uses bank-level security, stores no financial credentials, and operates ad-free with a read-only platform so your money cannot move without your direct action.
Highlights
- Connect multiple bank accounts, credit cards, and investments in one dashboard with auto-categorization
- Two budgeting modes—Flex Budgeting and Category Budgeting—with visual progress bars and customizable categories
- Invite partners, household members, or financial professionals to collaborate on budgeting and goals at no extra cost
- Track subscriptions and bills in a calendar or list view with payment reminders and cancellation tracking
- Bank-level security with read-only access; financial credentials never stored and no ads
Best for
Couples and families managing shared finances across joint or separate accounts, individuals seeking a comprehensive money management tool to replace Mint, and people who want to collaborate with financial advisors or coaches on budgeting and long-term financial planning.
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..
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 brings all your bank accounts, credit cards, and investments into one dashboard. It auto-categorizes your spending, tracks your net worth, helps you budget, and lets you collaborate with partners or financial professionals.
- Can I use Monarch with a partner or family?
- Yes. You can invite your partner or other household members to collaborate on finances whether you have joint accounts or separate ones, at no extra cost. You can also invite financial advisors, coaches, or tax professionals to view your accounts and provide advice.
- Does Monarch track subscriptions and bills?
- Yes. Monarch tracks subscriptions and bills in a calendar or list view with notifications so you don't miss payments. You can also monitor subscriptions to identify and cancel ones you no longer need.
- Is Monarch secure?
- Monarch uses bank-level security and never stores your financial credentials. The platform is read-only, so there is no risk of money moving without your direct action. Your personal and financial information is never sold to third parties.
- What are the alternatives to Monarch: Budget & Track Money?
- Monarch: Budget & Track Money is similar to Cash App, Monzo Bank - Mobile Banking, Bank of America Mobile Banking, and Copilot: Track & Budget Money. Browse related apps by tag: goal tracker, finance, banking, collaboration, and budgeting.
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