Monarch review

Monarch is the closest thing to a household budget spreadsheet that fills itself in. It pulls checking, credit cards, loans, real estate and investments into one view and says it syncs with 13,000+ institutions by using multiple data providers. Budgets can be set by category or by group, transactions land in one searchable list where you can mark them as reviewed, and recurring charges such as streaming services and gym memberships are detected automatically. The feature that matters most for couples is collaboration: you can invite a partner, or a financial professional, at no extra cost and see a shared picture of the finances. Monarch runs on web, iOS and Android. The yearly plan costs $99.99 and the monthly plan $14.99, with the first week free and a money-back guarantee. There is no free tier, and forecasting, multiple income sources such as a small business, and deeper investment tools are reserved for the Plus tier, whose price is not shown on the main pricing page.

Who it is for

households replacing a shared budget spreadsheet

Price

$99.99 per year (about $8.33 a month) or $14.99 monthly; first week free.

Monarch offers two subscription options: a yearly subscription at $99.99 or a monthly subscription at $14.99.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• Syncs with 13,000+ financial institutions through multiple data providers
• Invite a partner or financial professional at no extra cost
• Apps for web, iOS and Android stay in sync
• Automatic detection of recurring subscriptions such as streaming and gym memberships
• Plus tier adds forecasting tools, multiple income sources and deeper investment tracking

Strengths and weaknesses

• Strength: Partner collaboration is included in the one subscription
• Strength: Transactions can be marked as reviewed in one searchable list
• Strength: No-questions-asked money-back guarantee on subscriptions
• Weakness: No permanent free plan, only a first week free
• Weakness: Monthly billing at $14.99 costs about 80% more than the yearly plan
• Weakness: Forecasting and multi-income tracking sit in the separate Plus tier

Key facts

• Yearly price: $99.99
• Monthly price: $14.99
• Institutions: 13,000+
• Platforms: Web, iOS, Android

Where it ranks

Monarch is No. 1 in our Best Budgeting Apps verdict.