
Pros
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$14.99/month
$99.99/year
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Monarch Money is used for personal finance management including budgeting, expense tracking, investment monitoring, net worth tracking, goal setting, and collaborative money management for households.
Monarch Money costs $14.99/month or $99.99/year ($8.33/month). All features are included with one subscription—there are no tiers. A 7-day free trial is available, and periodic 50% off promotions run.
Yes, Monarch Money is designed for collaborative finance. You can invite partners, family members, or even a financial advisor to share your account at no additional cost beyond the single subscription.
No, Monarch Money explicitly commits to not selling user financial data. The subscription-based model means they make money from subscriptions rather than data monetization or advertising.
Monarch connects to thousands of financial institutions including banks, credit cards, investment accounts, retirement accounts, loans, mortgages, and cryptocurrency platforms to provide a complete financial picture.
Source: monarchmoney.com