Monarch
monarch.com
Personal finance and budgeting app.
Quick Information
- Category:
- Finance & Accounting
- Pricing:
- Free Trial
- Platforms:
- Web
- Free Plan:
- No
- API Available:
- No
- Last Verified:
- October 2026
What Is Monarch?
Monarch, usually called Monarch Money, is a personal finance and budgeting app. It has no free tier but offers a 7-day trial, then charges either monthly or annually. Sources agree the Core plan is $14.99 a month or $99.99 a year, about $8.33 a month billed yearly, so paying monthly costs about 80% more than annual. A Plus tier, added in 2026 and billed annually, is listed at $199 to $199.99 a year, and one announcement quoted $299 a year for new members, but the help centre lists $199. Most sources cite a 7-day trial and conflict on whether a card is required: one says no credit card, while DueZen quotes Monarch's signup disclosure as requiring a payment method to start.
A first-year promo code, WELCOME, reportedly takes 30% off the first annual year, which would bring it to roughly $70. For comparison, Copilot Money is about $95 a year and YNAB $109, so Monarch is competitive but not the cheapest, and it works across web and mobile including Android, unlike Copilot. I did not verify these figures against Monarch's own pricing page, so check it before subscribing, and watch the auto-renewal date after the trial.
Monarch suits households that want shared budgeting, goals and net worth tracking across several accounts, and people who want an alternative to Mint. Compare Copilot Money, Cleo and Hurdlr. Browse the Finance & Accounting tools directory for more.
What Can You Use Monarch For?
Household budgeting
Shared.
Net worth and goals
Aggregated.
Monarch Features
- Core and Plus tiers — Plus new in 2026.
- 7-day trial — Card requirement disputed.
- Cross-platform — Web, iOS, Android.
Who Is Monarch For?
- Couples and households — Shared views.
- Android and web users — Cross-platform.
Monarch Pros & Limitations
What We Like
- Cross-platform
- Annual discount
- Rich net worth tracking
Limitations
- No free tier
- Monthly billing is expensive
- Plus pricing differs by source
Monarch Pricing
| Plan | Price | Main Features |
|---|---|---|
| Core (annual) | $99.99/year (about $8.33/month) | 7-day trial |
| Core (monthly) | $14.99/month | About 80% more than annual |
| Plus | About $199-$199.99/year | Added in 2026; one announcement said $299 |
| Promo | 30% off first annual year with WELCOME (reported) | About $70 |
Pricing was last verified October 2026. Check the official website for the latest pricing.
AI Listing Jungle Ranking
- Global Rank:
- #669
- Overall Score:
- 58.6/100
- Monthly Users:
- –
- Rank Change:
- ▲ 868
This ranking reflects AI Listing Jungle's own independent scoring methodology and is not an endorsement by Monarch or its company. How Our Rankings Work
Frequently Asked Questions
How much is Monarch?
$14.99 a month or $99.99 a year for Core.
Is there a free trial?
7 days.
What is Plus?
About $199 a year, added in 2026.
Is there a discount?
A WELCOME code reportedly gives 30% off year one.
Our Take
Monarch is a leading budgeting app.
Choose annual billing.
Monarch Alternatives
Monarch Comparisons
Ready to try Monarch?
Visit the official website to get started.
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