Monarch
A shared budgeting and net worth tracker that pulls all your accounts into one dashboard
by Monarch Money, Inc. · listed Nov 1, 2026
Quick verdict
If you are willing to pay for a budgeting app, Monarch is one of the most complete and best-reviewed options, particularly for households sharing finances. If you need something free, look elsewhere.
Best for Couples and individuals who want one paid app to track budgets, bills and net worth across all their accounts
Reviewed by AppsPicks on Nov 1, 2026. How we review
Monarch review
Monarch connects to your bank accounts, credit cards, loans and investment accounts. It sorts transactions into categories automatically and shows everything in one place: spending, budgets, net worth, recurring bills and investment performance. It suits people who want a full picture of their finances rather than a simple expense log. It is especially aimed at couples and households who manage money together, and at former Mint users looking for a replacement.
Day to day, you mostly review new transactions, fix the odd miscategorized item and check how each budget category is doing. A customizable dashboard puts the numbers you care about up front. A calendar view of upcoming bills and subscriptions, with reminders, helps you avoid missed payments. You can invite a partner or financial advisor to see the same data, and there is a web version for longer planning sessions.
Why we picked it: It combines budgeting, bill tracking and net worth in one polished, well-reviewed app that works well for shared finances.
Watch out for: There is no free tier beyond a trial, so expect an ongoing subscription. Bank connections through third-party aggregators can occasionally break and need reconnecting.
What we like
- Brings bank, card, loan and investment accounts into one view
- Automatic categorization with editable rules
- Partner and advisor sharing built in
- Bill and subscription calendar with payment reminders
- Customizable dashboard plus a web version
What could be better
- Requires a paid subscription after the trial
- Account syncing depends on third-party connections that can drop
- Available in English only
Questions about Monarch
Is Monarch free?
The app is free to download, but full use requires a paid subscription after a free trial. Monthly and annual plans are offered; check the current price in the app.
Which platforms does it work on?
Monarch is available on iPhone and Android, and there is also a web app that syncs with your mobile account.
Can I share it with my partner?
Yes. You can invite a partner or a financial professional to view and manage the same accounts and budgets.
Does it work offline?
Not in any meaningful way. It relies on syncing with your financial institutions, so you need a connection to see up-to-date balances and transactions.
What are some alternatives?
YNAB suits people who prefer a hands-on, zero-based budgeting method. Copilot is an option for Apple users, and Rocket Money focuses more on subscriptions and bill negotiation.
From the developer: how Monarch describes itself
Consider Monarch your home base for money clarity. Simplify your finances by bringing all your accounts into one easy view, have confidence in always knowing where your money is and where it's going, and collaborate with your partner or financial professional to track, budget, and reach goals together.
Monarch has been recognized by the Wall Street Journal as the “Best Budgeting App,” by Forbes as the “Best Mint Replacement” and by Motley Fool as the “Best Budgeting App for Couples and Families.”
Getting started is simple. Connect your accounts and Monarch will auto-categorize your finances, giving you actionable insights in minutes. Customize your dashboard to give you the information you need at a glance, including your net worth, recent transactions, how you’re tracking toward your budget, investment performance, and upcoming expenses.
Monarch makes it easy to take steps today to build toward your long term plans, all in one simple and collaborative financial tool.
Track - Connect your accounts and see everything in one place so you can get a clear view of how your money is moving and track progress on your net worth. - Always know what’s around the corner with subscriptions and bills tracked in one easy calendar or list view and notifications so you don’t miss a payment. - Keep an eye on subscriptions so you can cancel what you no longer need. - Sync with your credit cards and loans and Monarch will provide statement balances and minimum payment due. - Search for any transaction, across all of your accounts - no shuffling between apps to find charges or refunds. - View and customize reports for quick insights on your spending across groups and categories and trends over time.
Budget - Monarch offers two ways to budget - Flex Budgeting or Category Budgeting - so you can choose to have the structure or flexibility you need and make budgeting feel easy. - Get a quick view of your budget progress with visual progress bars and a dashboard widget. - Customize your groups and categories, emojis, and your notifications to keep you on track.
Collaborate - Add your partner or other household members and team up on your finances, whether you choose to have joint bank accounts or not. All at no extra cost. - Invite your advisor, financial coach, tax professional or estate planning attorney so they can give you accurate advice with little effort required of you.
Plan - Create and track progress toward your medium and long term goals. - Set up contributions toward your goals within your monthly budget, and watch your savings compound over time.
A Membership With You in Mind
Our focus is on building a product that can transform your relationship to money, bringing clarity and confidence to your financial life. As a Monarch member, you’ll get access to all the new features we build and have the opportunity to vote on and provide feedback for new features on our roadmap. We build with the feedback from our community in mind.
No Ads
Monarch is not supported by advertisers and is designed with the sole purpose of making it easy and intuitive for you to manage your finances. That means we will never interrupt your experience with ads or try to sell you another financial product you don’t need.
Text from the app store listing, quoted for reference. Our own take is above.
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