{
  "name": "Monarch Money",
  "slug": "monarch-money",
  "pricingModel": "paid",
  "normalized": {
    "currency": "USD",
    "entry": {
      "plan": "Annual",
      "perMonth": 8.33,
      "unit": "unknown",
      "unitNoun": null,
      "billing": "yearly",
      "free": false,
      "contactSales": false
    },
    "plans": [
      {
        "plan": "Monthly",
        "perMonth": 14.99,
        "unit": "unknown",
        "unitNoun": null,
        "billing": "monthly",
        "free": false,
        "contactSales": false
      },
      {
        "plan": "Annual",
        "perMonth": 8.33,
        "unit": "unknown",
        "unitNoun": null,
        "billing": "yearly",
        "free": false,
        "contactSales": false
      }
    ],
    "hasFreePlan": false,
    "hasFreeTrial": true,
    "contactSalesOnly": false
  },
  "pricingDetails": {
    "tiers": [
      {
        "name": "Monthly",
        "price": 14.99,
        "features": [
          "All features included",
          "Unlimited accounts",
          "Share with family",
          "No ads"
        ],
        "billingPeriod": "month"
      },
      {
        "name": "Annual",
        "price": 99.99,
        "features": [
          "All features included",
          "Best value ~$8.33/mo",
          "Share with family",
          "No ads"
        ],
        "billingPeriod": "year"
      }
    ],
    "hasFreeTier": false,
    "hasFreeTrial": true,
    "freeTrialDays": 7
  },
  "costFacts": null,
  "pricesByRegion": null,
  "verdict": "Monarch Money charges $99.99/year ($8.33/month) or $14.99/month for a single unified plan, no feature gating, no tiers, no upsells. Every subscriber gets unlimited account connections, investment tracking, goals, alerts, and collaborator seats. The catch: there is no free tier, once the 7-day trial ends, you pay or lose access entirely.",
  "bestFor": "Couples and families who want shared financial visibility with unlimited collaborators | Investors who need portfolio performance tracking alongside budgeting | Former Mint users looking for a polished replacement with bank syncing | People who want automated expense tracking without zero-based budgeting discipline",
  "hiddenCosts": [
    "Monthly billing penalty: $14.99/month ($179.88/year) vs $99.99/year, paying monthly costs 80% more. The annual plan is the only sensible option unless you are testing for a single month.",
    "Bank connection reliability: Monarch uses Plaid and MX for bank syncing. Some institutions (especially credit unions and smaller banks) disconnect frequently, requiring manual re-linking. This is an industry-wide problem, not Monarch-specific, but it still causes data gaps.",
    "No bill pay or debt payoff tools: Monarch tracks bills and subscriptions but does not facilitate payments or provide structured debt payoff strategies (avalanche/snowball). You will need a separate service for those workflows.",
    "No tax-loss harvesting or advanced investment features: Investment tracking shows performance and allocation but does not offer tax optimization suggestions like Empower or dedicated investment platforms.",
    "Crypto limited to Coinbase: Only Coinbase accounts sync natively for crypto. If you hold crypto on other exchanges or in self-custody wallets, you must add them as manual accounts.",
    "Data export limitations: You can export transactions as CSV, but there is no API or integration with tax software. Year-end reporting is manual."
  ],
  "recentChanges": [],
  "priceHistory": [],
  "partnerLink": false,
  "correction": "This price may be out of date. If the vendor's page differs, call report_issue with evidence_url and quote, or verify_price.",
  "provenance": {
    "lastVerifiedAt": "2026-09-29",
    "sourceUrl": "https://monarchmoney.com",
    "confidence": "medium"
  },
  "source": "Toolradar",
  "citation": "Toolradar, verified 2026-09-29, https://toolradar.com/tools/monarch-money/pricing",
  "affiliateUrl": "https://toolradar.com/api/go/monarch-money?ref=mcp&key=json",
  "toolradarUrl": "https://toolradar.com/tools/monarch-money/pricing"
}