Monarch Money Review

All-in-one budgeting, net worth, and goal tracking built for couples and families. Independent Monarch Money review: 4.5/5 for budgeting.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.

Our verdict

Couples and families running money together get partner access at no extra cost with Monarch, plus investment tracking alongside the budget. It costs $14.99 a month or $99.99 a year after a 7-day trial, with no free tier. Occasional sync hiccups and no bill negotiation keep it from rating higher.

Skip it if you want a free budgeting app, or want bills negotiated for you.

About Monarch Money

All-in-one budgeting, net worth, and goal tracking built for couples and families. Monarch Money is offered by Monarch Money, Inc. Our editorial rating is 4.5 out of 5.

Best for: Couples and families managing money together.

Editorial grade: A (composite score 89/100).

Highlights

Sync unlimited accounts across 13,000+ banks, brokerages, crypto exchanges, and real estate platforms (Zillow integration)
Collaborative household budgeting with partner/spouse access included free, no separate subscription
Customizable dashboards with drag-and-drop widgets, flexible category rules, and unlimited goal tracking
Investment performance tracking with allocation breakdowns, holdings detail, and benchmark comparisons

What we like

Widely considered the strongest Mint replacement since Mint shut down in March 2024
Clean, modern interface with deep customization (light/dark mode, custom categories, and rules)
Free partner/household access, with no separate subscription required for spouse or family
Strong investment tracking alongside budgeting, rare in the budgeting-app category

Where it falls short

No free tier, so a paid subscription is required after the 7-day trial
Occasional account-sync hiccups (common across all Plaid/MX-based aggregators)
No built-in bill negotiation or subscription-cancel service (unlike Rocket Money)

Fees, minimums, and rates

Monthly fee: $14.99/mo or $99.99/yr (Plus tier $199.99/yr). Minimum to open: Free 7-day trial. New-customer bonus: 30% off first year with code WELCOME (annual Core plan, new members). Rates and fees last checked on September 7, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Monarch Money, Inc.. It is built from Monarch Money, Inc.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Budgeting shortlist. Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.