Productivity & Business · Finance, Billing & Accounting

Monarch Money

Paid budgeting and net worth app for individuals and couples, with Core at $14.99 a month or $99.99 a year and no free plan.

Our take: Monarch Money is for people who are happy to pay for a clean budgeting app instead of a free one supported by ads or upsells.

Best forCouples budgeting together

ReviewedOct 2026Free Trial

7.45 criteria · see breakdown

Try Monarch$14.99/mo or $99.99/yr after 7-day trial

Monarch Money is a paid budgeting and net worth app for individuals and couples, now sold at monarch.com. There is no free plan: after a 7-day trial, Core costs $14.99 a month or $99.99 a year, and Plus costs $199.99 a year. Partner sharing is included at no extra cost.

The bottom line

Worth a trial for couples and detailed budgeters; skip it if you need a free app.

Our score

Reviewed by the Conversion Gems editorial team. Hover a facet to focus it; click to pin.Tap a facet to focus it.

What it is, and why we rate it

One line each. Open a row for detail.

What it really isA paid, ad-free budgeting and net worth app built around shared household finances.

Our takeMonarch Money is for people who are happy to pay for a clean budgeting app instead of a free one supported by ads or upsells.

Partner sharing at no extra cost is the clearest advantage for couples. Pay yearly if you plan to stay, because monthly Core costs about 80% more over a year.

Why we rate itWide account coverage, free partner sharing and no ads, with Plus adding retirement and small-business tools.

The catchNo free plan, a card is required for the trial, and monthly Core costs far more over a year than annual billing.

Best / not good for

Best for

Couples managing money together
People tracking net worth and investments
Side-business owners (Plus)

Not good for

Anyone who needs a free budgeting app
People who only want subscription cancellation

Trade-offs

Friction report

Trade-offs to know before signing up.

Time to value
Minutes to link accounts, though categorizing transactions takes longer.
Scale breakpoint
Retirement forecasting, business income tracking and tax-prep exports need the $199.99 Plus plan.
Walled garden
Low to moderate: data comes from your linked institutions; we did not verify export options on Core.

Still a fit?

If none of these block you, try it on the official site.

Try Monarch

Monarch Money pricing

Plan	Monthly billing	Yearly billing	What it adds
Core	$14.99/month	$99.99/year (about $8.33/month)	Net worth, budgets, custom reports, savings and debt goals, partner sharing
Plus	Not listed	$199.99/year (about $16.67/month)	Retirement forecasting, business income tracking, P&L and tax-prep exports, advanced investment analysis, will creation

From Monarch's pricing page, checked 4 October 2026. Both plans start with a 7-day free trial that needs a payment method. A WELCOME code gives new users 30% off the first year of annual Core bought on the web.

Frequently Asked Questions

Is Monarch Money free?

No. Monarch Money has no free plan. New users get a 7-day free trial, which requires a payment method, and then pay for Core or Plus (checked 4 October 2026).

How much does Monarch Money cost?

Core costs $14.99 a month or $99.99 a year (about $8.33 a month). Plus costs $199.99 a year. A WELCOME code takes 30% off the first year of annual Core for new users (checked 4 October 2026).

What does Monarch Money Plus include?

Everything in Core plus retirement forecasting, business income and expense tracking, P&L reports and tax-prep exports, advanced investment analysis and will creation through Trust & Will.

Can I share Monarch Money with my partner?

Yes. Monarch says partner sharing is included at no extra cost, and you can also invite a financial professional to collaborate.

What are the drawbacks of Monarch Money?

The main one is cost: there is no free plan, and Core is $99.99 a year or $14.99 a month after the trial. Plus is listed only as a yearly plan. Monarch also recommends subscribing on the web rather than through app stores for easier management.

Who is behind Monarch Money?

Monarch was co-founded by Val Agostino (CEO), Jon Sutherland and Ozzie Osman. The company is Monarch Money, Inc., and its website is now monarch.com.