Monarch Money
all-in-one budgeting and net worth tracking for couples
How it works
Monarch Money pulls all your accounts into one clean dashboard — bank, credit cards, investments, even your home and car values. It's built for households, with unlimited family sharing on a single subscription. Think of it as the premium successor to Mint, without the ads or data selling.
Is it right for you?
Consider if you
- Couples and families wanting one shared financial dashboard
- Former Mint users looking for an ad-free replacement
- People tracking net worth alongside daily budgeting
Skip if you
- Budget-conscious users wanting a free app
- Users outside the United States
- People with simple single-account finances
Your money and data
Monarch Money connects via read-only Plaid, Finicity, and MX integrations — it can view your transactions but cannot move money on your behalf. Bank credentials flow through these providers, never stored on Monarch's servers. Data is AES-256 encrypted in transit and at rest, and Monarch is SOC 2 Type 2 certified.
Pros & Cons
Pros
- Best-in-class couples and family collaboration
- Clean ad-free interface with full net worth dashboard
- Connects to 13,000+ financial institutions
Cons
- No free tier — $14.99/month or $99.99/year
- Feature depth can overwhelm new users
- Occasional bank sync lags and reconnection needed
Pricing details
$14.99/month or $99.99/year · 7-day free trial · No free tier · Unlimited household members included
On monarchmoney.com · We may earn a commission
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