Monarch Money
Full-featured budgeting for couples and households Budgeting
Disclosure: some links on this site are affiliate links. If you sign up through them we may earn a commission at no extra cost to you. Sponsored placements are labeled. Prices change; always confirm on the official site. Read more.
Overview
Monarch is a personal finance platform with two plans, Core and Plus. Core covers account syncing, budgeting, goals, net worth, investments, an AI Assistant and shared household access. Plus adds forecasting, small-business tracking and deeper investment analysis.
Best for
Couples and households who want shared budgeting across web, iOS and Android.
Pros
- Offers both flexible and traditional category budgeting
- Household sharing built in
- Plus tier adds planning and business tracking for complex finances
Cons
- No permanent free tier
- Annual price is on the higher end of budgeting apps
- Plus tier costs about double Core
Key features
- Flex budgeting or category budgeting
- Shared household access
- AI Assistant
- Net worth, goals and investment tracking
- Plus: forecasting, business tracking, Morningstar-powered fund analysis, gains & losses