Quick verdict
- What it is
- Store information collected; independent summary not yet available.
- At a glance
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- From $8.33/mo
- Free to download
- In-app purchases
Categories and search queries
Official categories
- Finance
- Productivity
AppCorpus categories
Key functions
| Function | Availability | Access | Scope | Evidence |
|---|---|---|---|---|
| Free app | Yes | Free | — | Store published |
| In-app purchases | Yes | Limited free | — | Store published |
Screens
30 store screenshots
16 store screenshots
Pricing & paywalls
- Monthly Subscription — $14.99/month
- Monthly Subscription — $15.99/month
- Monthly Subscription — $99.99/year ($8.33/mo)
- Yearly Plus Subscription — $199.99/year ($16.66/mo)
- Free to download
- In-app purchases: $14.99 - $199.99 per item
Ratings & reviews
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5/5Bad at finances + ADHD
I'm really bad with spending and not knowing how bad it is for me. I also have ADHD. It took me a few tries to fully commit to using the app. On my last try, I found it really helpful to identify/create my own categories for spending, ensure all of my charges require a review, setting rules for previous charges to automatically go to the category if I know that type of purchase will happen again, and setting the budget per category. Rules are important because you can apply it historically and see how much you've spent historically in that category. All of this made it so I'm paying close attention. It's been about 5 months and I've been doing really well. When I got the app, I adjusted my settings and categories. I also made predictions for my income and expenses for the month. Month 1 I just lived how I typically live. Month 2 I used Month 1 info to plan my budget of what I'm willing to spend based on the income I'm expecting and mapped out how much I could save based on that number. You will find yourself regularly adjusting your budget and thats okay, especially if you had NO system at all previous to the app like me. Suddenly I'm really good at saving. I've recommended the app to literally everyone around me. I'm not a bot or a paid reviewer. I genuinely hope you all invest in managing your finances, it's necessary. I know it feels backwards to pay $15 for this app but you're investing in something you will need and actually use for a long time. That was my TED talk lol
freemoneythanks · 30 Aug 2026
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5/5Best finance app period
I was looking for a replacement for Nerdwallet as it couldn’t connect Fidelity to itself for whatever reason. I asked a finance subreddit about alternative recommendations. Monarch caught my eye out of the recommendations and I tried it with an open mind. The very first day I tried it I was 100% sold. How this is not the top finance app ratings and popularity wise is a miss to me. It genuinely has everything. I was pleasantly surprised that it not only connected my Fidelity account but it also showed all of my investments separately from my cash which I thought was so convenient. It also had a “reoccurring” tab where I can put and see all of my incoming expenses and income on whatever frequency basis it comes in. The “rules” literally allows me to distinguish any type of transaction I want with a simple if, then function. When I saw this I was more then sold alone. I can go on and on about all the different things encompassing this app but the bottom line is it will change your life. It’s THEE 21st century finance app. Buy it annually because you’ll save more and enjoy having all your finances everywhere all in one place. Use the refer a friend come as well to give your friends a 30 day trial instead of s typical 7 so they can try as well. They might be a harder sell but 30 days is more than enough time to realize this is the best finance app period
App Store War · 30 Aug 2026
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5/5This one is a winner!!
As a die-hard Mint user, I was horrified when I heard they were shutting it down. And after doing a lot of research, I was convinced no one else could replace it. But boy, was I wrong!! Monarch Money is SO much better than Mint was and it is worth every penny! As with any new app—especially a powerful financial one—there is a bit of a learning curve, however so much can be automated that it soon nearly takes care of itself. And in the few months that I have been using it, the Monarch team has been cranking out the improvements faster than any other app I have ever used. Truly impressive! There are sometimes glitches with the data aggregators that automatically gather the transactions and data from your financial institutions, but Monarch is constantly and actively working to improve that aspect, so I am willing to put up with a bit of inconvenience as they work it out with the thousands of institutions they connect to. (By “inconvenience” I mean I sometimes have to re-login to an institution to re-connect it….not a big deal.) Monarch has knocked it out of the park with this “Mint on steroids” solution that they have developed. I can’t wait to see what other fabulous features they implement that I never even knew I needed. Keep it up, Monarch!! You make me glad that Mint shut down and motivated me to find something exponentially better!
Karen in Monterey · 30 Aug 2026
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5/5OBSESSED!!! Two suggestions…
This is extremely close to mint. Its very simple, very clean, and I like that you can add your partner if you want. No syncing issues either. Just a week of using and it’s already helping me me more mindful of what I’m spending with daily check ins. Since a lot of competitors are cheaper or even have a one time buy it feature, I would really really like to request the one time buy. Make it expensive enough for others who don’t want to commit to a budget app to stay on a month by month subscription, but just the right price for someone like me who knows what they like in a budgeting app and are willing to pay. I love Monarch. I don’t like subscriptions. Another thing that isn’t super necessary but that I would enjoy are little challenges, or rewards for in the app when I am continuing good money habits/saving. There’s a few other apps out there that do this, including Mint (RIP), and I really had fun with it. Again, these are just suggestions. I love your app and the effort that has been put into it. It shows. Congratulations on gaining a lot of customers! I know the whole team for Monarch must be thrilled. Sometimes it just takes one app disappearing for others to take the risk on you, download your app, and absolutely love it!
barefootbartow · 30 Aug 2026
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3/5If you’re paying off debt, NOT FOR YOU!!
I love everything else about this app. It’s got a great desktop and mobile version, account setup was easy and it’s visually pleasing and easy to navigate. My husband and I can finally both see our complete and up-to-date financial picture in a way we can both appreciate instead of me just tracking in Quicken and printing reports for him that he’ll barely look at. When we’re out of debt I would give it 5 stars and will love using it. Currently we’re getting out of debt though. Simple monthly budgeting functions like applying your debt payments to your credit cards and loans in your monthly budget, applying extra income to a loan or credit card account and accurately tracking the final balance is just not possible. I’ve tried so many ways to make this work and each “workaround” I’m given by the internal AI (which is another really nice feature), is so labor intensive you might as well just be using a spreadsheet. Yes, they have a “debt payoff plan” with a simulator showing pay down strategies using both snowball and avalanche methods. But this does not integrate into your monthly budget easily, which defeats the whole purpose of a budgeting app in my opinion. Unfortunately I’ve already paid the annual subscription and I don’t think I’ll get that back, so I may just have to make this work somehow. But if you’re on a debt free journey, I would SKIP THIS APP until you’re out of debt. This seems to be an investment tracker and monthly cash flow tracker ONLY.
ShippLife · 30 Aug 2026
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5/5
I like the way it sorts everything in the right cadigories. kinda expensive but definitely worth it
Noah Chapman · 1 Aug 2026
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5/5
best app to see your entire financial picture.
Jarrett Anderson · 1 Aug 2026
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5/5
Excellent app! I still miss Mint but this is a decent alternative.
Johnathon DeFour · 1 Aug 2026
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1/5
Won't let me sign up, change my password or log in. The password creation fails and demands I change password, but won't allow me to enter anything in new password field.
Paul Lewis · 1 Aug 2026
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5/5
I've waited for a budgeting tool like this for years!
Blake Dye · 1 Aug 2026
Privacy & accessibility
Privacy
- Data Linked to You — Analytics — Contact Info — Email Address Developer declared
- Data Linked to You — Analytics — Contact Info — Name Developer declared
- Data Linked to You — Analytics — Financial Info — Other Financial Info Developer declared
- Data Linked to You — Analytics — Identifiers — Device ID Developer declared
- Data Linked to You — Analytics — Usage Data — Advertising Data Developer declared
- Data Linked to You — Analytics — Usage Data — Product Interaction Developer declared
- Data Linked to You — Analytics — User Content — Customer Support Developer declared
- Data Linked to You — App Functionality — Contact Info — Email Address Developer declared
- Data Linked to You — App Functionality — Contact Info — Name Developer declared
- Data Linked to You — App Functionality — Contact Info — Physical Address Developer declared
- Data Linked to You — App Functionality — Financial Info — Credit Info Developer declared
- Data Linked to You — App Functionality — Financial Info — Other Financial Info Developer declared
- Data Linked to You — App Functionality — Financial Info — Payment Info Developer declared
- Data Linked to You — App Functionality — Usage Data — Advertising Data Developer declared
- Data Linked to You — App Functionality — Usage Data — Product Interaction Developer declared
- Data Linked to You — Developer’s Advertising or Marketing — Contact Info — Email Address Developer declared
- Data Linked to You — Developer’s Advertising or Marketing — Contact Info — Name Developer declared
- Data Linked to You — Developer’s Advertising or Marketing — Contact Info — Phone Number Developer declared
- Data Linked to You — Developer’s Advertising or Marketing — Financial Info — Other Financial Info Developer declared
- Data Linked to You — Developer’s Advertising or Marketing — Identifiers — Device ID Developer declared
- Data Linked to You — Developer’s Advertising or Marketing — Usage Data — Advertising Data Developer declared
- Data Linked to You — Developer’s Advertising or Marketing — Usage Data — Product Interaction Developer declared
- Data Linked to You — Other Purposes — Diagnostics — Crash Data Developer declared
- Data Linked to You — Other Purposes — Diagnostics — Performance Data Developer declared
- Data Linked to You — Other Purposes — User Content — Photos or Videos Developer declared
- Data Linked to You — Product Personalization — Contact Info — Email Address Developer declared
- Data Linked to You — Product Personalization — Contact Info — Name Developer declared
- Data Linked to You — Product Personalization — Contact Info — Physical Address Developer declared
- Data Linked to You — Product Personalization — Financial Info — Other Financial Info Developer declared
- Data Linked to You — Product Personalization — Usage Data — Advertising Data Developer declared
- Data Linked to You — Product Personalization — Usage Data — Product Interaction Developer declared
- Data Linked to You — Contact Info Developer declared
- Data Linked to You — Diagnostics Developer declared
- Data Linked to You — Financial Info Developer declared
- Data Linked to You — Identifiers Developer declared
- Data Linked to You — Usage Data Developer declared
- Data Linked to You — User Content Developer declared
Accessibility
No accessibility labels collected yet.
Privacy
- Data collected — Analytics — App activity — App interactions Developer declared
- Data collected — Analytics — App info and performance — Crash logs Developer declared
- Data collected — Analytics — App info and performance — Diagnostics Developer declared
- Data collected — Analytics — Device or other IDs Developer declared
- Data collected — Analytics — Location — Approximate location Developer declared
- Data collected — Analytics — Location — Precise location Developer declared
- Data collected — App functionality — App activity — Other user-generated content Developer declared
- Data collected — App functionality — Financial info — Other financial info Developer declared
- Data collected — App functionality — Financial info — Purchase history Developer declared
- Data collected — App functionality — Financial info — User payment info Developer declared
- Data collected — App functionality, Analytics — Personal info — User IDs Developer declared
- Data collected — App functionality, Developer communications, Account management — Personal info — Email address Developer declared
- Data collected — App functionality, Developer communications, Account management — Personal info — Name Developer declared
- Data collected — Personalization — Personal info — Other info Developer declared
- Data shared — Analytics — App activity — App interactions Developer declared
- Data shared — Analytics — App info and performance — Crash logs Developer declared
- Data shared — Analytics — App info and performance — Diagnostics Developer declared
- Data shared — Analytics — Device or other IDs Developer declared
- Data shared — Analytics — Location — Approximate location Developer declared
- Data shared — Analytics — Location — Precise location Developer declared
- Data shared — Analytics — Personal info — User IDs Developer declared
- Data shared — Analytics, Developer communications — Personal info — Email address Developer declared
- Data shared — Analytics, Developer communications — Personal info — Name Developer declared
- Data shared — App functionality — Financial info — Other financial info Developer declared
- Data shared — App functionality — Financial info — Purchase history Developer declared
- Data shared — App functionality — Financial info — User payment info Developer declared
- Security practices — Your data is transferred over a secure connection — Data is encrypted in transit Developer declared
- Security practices — The developer provides a way for you to request that your data be deleted — You can request that data be deleted Developer declared
Accessibility
No accessibility labels collected yet.
Versions
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2.0.100
- Chart text color has been updated for better readability. - Various small UI and copy updates. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.103
- Fixed a crash related to color rendering in spinners and icons. - Fixed intermittent crashes when loading spinners are shown. - Improved keyboard behavior in the AI Assistant so that input and privacy messages stay aligned, and scrolling now dismisses the keyboard as expected. - Added new filters for owner, account, and tags to Cash Flow detail screens for category, category group, and merchant, making it easier to customize and analyze your cash flow. - You can now see owner and business entity information directly in account rows. - Dismissing the Getting Started guide now shows a message confirming it can be brought back from the Customize section. - The Reports cash flow page now automatically refreshes when returning from editing a transaction's category, ensuring your data is always up to date. - Recurring payments that were expected but did not post now appear in the monthly view with a special label, making them easier to track. - Core subscribers can now discover business tracking features from the Settings menu. - The signup survey and yes/no buttons now have improved contrast and styling in dark mode. - Improved accessibility in app onboarding, making Yes/No questions easier to use with screen readers. - Tapping a survey answer on the signup demographics screen now selects it in a single tap, even if the keyboard is open. - The sign-up, onboarding, and authentication screens now use sentence case for a more consistent and polished look. - Fixed bugs where changing dark/light mode (theme) during sign-up or while logged in would reset your navigation unexpectedly. You'll now stay on your current screen. - Enhanced pay down goal linking: bulk linking now clearly shows which transactions cannot be linked and provides helpful information. - Various behind-the-scenes improvements for smoother onboarding steps and more consistent UI elements. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.104
- Improved how legend tooltips are displayed for pie and bar chart reports, making them easier to read. - Added new features and enhancements to Cash Flow by including the Profit & Loss report. - Introduced updates in app settings to better support different types of business entities. - Fixed an issue where the net worth chart sparkle could become misaligned after interacting with the chart. - Fixed an issue that could cause validation errors after clearing updates while creating or editing a rule. - Cash flow report now shows the savings summary as a dollar amount by default, with the option to tap and view the rate. - Improved display of negative income numbers in reports for clearer understanding. - Added support for remembering expanded and collapsed rows in the Profit & Loss report, so your preferences are saved across sessions. - Fixed an issue where the call-to-action button was cut off in the reports announcement sheet on iPad. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.105
- Cash Flow expense totals now show in green when a large refund results in net-positive expenses, matching the web version. - Faster and more reliable loading of goal activity for accounts with long histories. - Fixed discrepancies in budget summary numbers so remaining and rollover amounts now match the web version. - Users can now save receipts and transaction attachments directly to their device's photo library. - Deleting a transaction on mobile now asks for confirmation before it is removed. - Improved accessibility support for screen readers, making account rows, transaction rows, and icon buttons provide more useful context. - Fixed an issue where the keyboard could obscure parts of the screen when editing a budget amount. - Fixed onboarding layout issues to prevent scroll jumps and to keep the Continue button visible on small screens. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.106
- Added a "By owner" option to spending and income reports, allowing multi-member households to compare spending and income per person. - Fixed an issue where the app did not immediately update when switching system themes (light/dark mode) while using the "System preference" appearance setting. - The Continue button for billing ZIP now stays visible above the keyboard during input. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.107
· 23 Jul 2026
- Added the ability to link a savings goal when adding a manual transaction, making it easier to connect goals and transactions in one step. - Reports now keeps your selected month when returning from a category drill-down, so your view stays consistent. - Household Income totals are now shown directly on the business cash-flow Sankey chart for better visibility. - The "Last 12 months" date range now matches the web, showing 12 completed months instead of a rolling window. - The cash-flow Sankey leftover label is now renamed from "Savings" to "Net Income" for greater clarity and consistency. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.109
- Fixed a bug where the current month was not showing on reports when using the "Last 12 months" preset. - Fixed an issue that prevented changing the app icon appearance; you can now customize your app icon again. - In Goals, you can now apply the same transfer toward multiple spending items when there’s still money left to cover, making it easier to manage partial reconciliations. - Fix for transaction review: Edited dates will no longer revert after marking a transaction as reviewed. - The Receipt view now improves visibility and navigation of linked transactions - Visual refresh: Some icons have been updated for consistency and clarity. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.110
- Editing the accounts on a goal is easier to scan — closed and hidden accounts now collapse behind a show/hide control. - When removing a receipt from a transaction, you can now choose to either unlink it or delete it permanently. - Cash Flow loads faster and no longer freezes when an account has a large number of categories, groups, or merchants. - Reports now keeps your selected month when you return from a category drill-down with filters applied. - Business settings links now open Businesses directly in the app instead of sending you to the web. - Fixed an occasional crash during the weekly recap flow. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.111
- Tapping "Enable credit score" on the dashboard now takes you straight to credit score setup on web, already logged in. - Find match now searches transactions around the receipt date, so older receipts can be matched. - Fixed a bug that sometimes caused a flickering effect on the dashboard page. - Fixed password fields on the reset password, create password, change password, and change email screens not focusing when tapped.
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2.0.112
- The Unmatched receipts tab now displays a count of how many receipts remain to be matched. - The receipt details screen received visual and layout improvements for a more polished experience. - Debt paydown charts show improved visuals when no data is available, with better handling of empty states. - The Debt Pay Down screen now avoids appearing blank when some accounts have errors, showing as much information as possible. - Transactions linked to a debt pay-down goal now display a goal icon, making them easier to spot. - Screens and navigation bars now use a more consistent and unified approach to background colors for a smoother user experience. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.113
· 26 Aug 2026
- Receipts can now be sorted by receipt date or upload date. - Fixed issues with entering amounts and polished receipt settings. - Bug fixes and improvements. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.77
- Added support for editing unmatched receipts. - Improved in-app browser handling to better manage links and prevent errors during account linking and login flows. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.78
- Fixed an issue where connecting to certain banks (like Chase, Fidelity, and Coinbase) could fail after returning from bank login. Bank connections should now work more reliably on iOS. - You can now access the category detail screen while using Demo Mode. - Button styles have been updated in the Demo Mode settings screen for a more consistent look. - The AI Assistant's message input box now has a height limit to prevent it from taking over the screen as you type. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.79
- Navigating to the Account Detail screen is now supported while Demo Mode is enabled. - Under the hood updates for improved reliability and future enhancements. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.80
- Added the ability to retry if the assistant encounters an error. - Introduced the option to cancel in-progress AI assistant responses. - Fixed a crash that could occur on iPad when opening the image picker. - Fixed an issue that could cause the app to show a "Not found" screen after successfully importing receipts through the share sheet. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.81
- Fixed an occasional crash when using wheel pickers. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.82
- Fixed an issue where notification banners could overlap after refreshing all accounts. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.85
- Fixed a bug with beta experiences (Goals, Investment transactions) not being displayed correctly. - Fixed display transactions list in Monthly Review so that all rows are visible and not cut off. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.86
- Added educational content to help users set up bill sync. - Improved navigation flow during onboarding to prevent glitches after completing payment. - The AI assistant now displays real-time progress updates and status summaries while working on requests. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.87
- Fixed an issue where categories could be missing in the Flex budget feature. - Addressed an issue where dark mode could become out of sync during signup. - Added a new AI Insights button to the recurring dashboard widget, allowing you to get more information about your recurring transactions. - Improved the verification code entry experience in onboarding, making it easier to paste or auto-fill codes. - Fixed a bug that could cause blank screens when using biometric authentication. - Added a reveal/hide toggle to password fields across signup, login, and reset flows, making it easier to check your password as you type. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.88
- Introduced an AI Insights button on the budget widget for quicker access to helpful budget-related insights and suggestions. - Enhanced dashboard customization, including relabeling some widgets and updating display naming for better clarity. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.89
- Added a home screen widget, Siri Shortcut, and Quick Action for receipt scanning and uploading. - Improved app startup and navigation when launching from widgets, shortcuts, and deep links. - Share multiple receipt images at once for bulk upload via the share sheet. - Goal Contribution chart now includes a zero line, trend overlays, and interactive tooltips. - Rollover icon now displays consistently in the Flexible budget section when rollover is enabled. We're always improving Monarch — stay tuned for more updates!
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2.0.91
- Improved the display of italic fonts for a better reading experience. - Bug fixes and performance improvements. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.93
We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.94
- Fixed an issue where the last tag in tag settings was not fully visible. - Increased border radius throughout the app for a rounder appearance. - Enabled assigning business entities when splitting transactions and provided suggestions to create transaction rules when changing a business entity. - Various minor UI improvements and consistency fixes across the app. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.95
- Bug fixes and performance improvements. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.96
- Accounts can now be filtered by business entity, making it easier to view specific account groups. - It's now possible to assign multiple business entities to accounts in bulk from the accounts screen. - The "Budget" label has been updated to "Planned" throughout the budget experience. - Several behind-the-scenes improvements enhance stability and performance. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.97
- Enhanced the onboarding experience by fixing virtual keyboard behavior for smoother navigation. - Budgets during onboarding now properly show income and expense categories, even when the values are zero. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.98
- Improved appearance of business icons for a more polished look. - Added an insights button to savings goal cards on the dashboard, making it easier to access financial insights related to your goals. - Fixed an issue where inline code in AI transaction explanations was hard to read in dark mode. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
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2.0.99
- Various interface and usability updates to make charts and tooltips easier to use and understand. We're always improving Monarch to better support you! Keep an eye out for more updates and fixes along the way.
- 2.0.109 · 27 Jul 2026
- 2.0.112 · 26 Aug 2026
Alternatives
- Honeydue: Couples Finance — Same category + similar ratings
- NerdWallet: Smart Money App — Same category + similar ratings
Availability by market
- US
Data quality & evidence
- Page completeness
- Live store listing
- Last verified
- 31 Aug 2026
- Sources
- App Store, Google Play
- Independent summary has not been published yet.