Monarch Money

Monarch Money is a personal finance app that brings bank accounts, credit cards, loans, investments and real estate into one place on the web, iOS and Android. It tracks and categorizes transactions, builds budgets, watches recurring subscriptions and bills, plans savings and debt goals, and reports net worth and cash flow, and it lets a partner or a financial advisor join the household at no extra cost. It is for individuals and couples who want a paid, ad free alternative to free budgeting apps, and for advisors who work alongside clients in the same data. AI runs through the product in three documented features. An AI Assistant answers natural language questions about spending patterns, cash flow, net worth changes and subscriptions from the user's own data, and can explain how to use Monarch itself; optional household context such as dependents and income sharpens its answers. AI powered Insights sit behind a sparkle icon on the dashboard and accounts pages and explain what changed and why. A Weekly Recap summarizes the week's spending, income, savings and net worth movement. AI based transaction categorization is integral and cannot be turned off, while the assistant and insights are optional. Monarch states that it never sells financial data and shows no ads. Pricing is subscription only, with a seven day free trial. Core is $8.33 per month billed annually at $99.99 per year, or $14.99 per month billed monthly. Plus is $199.99 per year and adds business tracking for an LLC, rental property or side business with separate profit and loss and export ready tax reports, and scenario modeling for events such as a new job, a remodel or children. Monarch positioned itself as a destination for households leaving Mint after that product was discontinued, and it now trades under the shorter name Monarch.