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Monarch is a subscription-based personal finance app that brings a user’s bank accounts, credit cards, loans, real estate, and investments together into a single view for tracking net worth, budgeting, and cash flow. It syncs with multiple financial data providers to connect to more than 13,000 financial institutions, automatically categorizes transactions, detects recurring subscriptions, and lets couples or a financial advisor share the same household view at no extra cost. Monarch charges a subscription rather than showing ads or selling financial data, positioning that as core to its privacy commitment, and offers an AI Assistant plus goal, budgeting, and reporting tools across its Core and Plus plans.

Your home base for money clarity

Key features

  • Net worth tracking across bank, credit, loan, real estate, and investment accounts
  • Flexible budgeting that adapts to spending patterns
  • Household collaboration, invite a partner or advisor at no extra cost
  • Recurring subscription detection
  • Custom reports on spending trends, income, and net worth over time
  • Goal tracking for savings targets
  • AI Assistant included on the Core plan
  • Advanced investment analytics (Plus), Morningstar-powered, deeper forecasting

Strengths

  • Best-in-class data connectivity across multiple providers reaching 13,000+ institutions
  • SOC 2 certified with a dedicated Trust Center
  • No ads, does not sell financial data, funded entirely by subscriptions
  • Free household and advisor collaboration built into every paid plan

Best for

  • Couples and households wanting a shared view of joint finances
  • People with accounts spread across many institutions wanting one dashboard
  • Users who left Mint or similar free apps wanting a privacy-first alternative
  • Investors and small business owners needing deeper portfolio analytics

Integrations

  • Morningstar (api, basic, system)
  • Trust & Will (api, basic, system)

Pricing

  • USD 99.99 / year - 7-day free trial
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