By AppHub Editorial Team · Updated August 3, 2026

Monarch: Budget & Track Money

Monarch: Budget & Track Money

4.8 ★
Downloads: 500,000+ Reviews: 21,600 Content Rating: Everyone
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Overview

Category

Finance

Developer

Monarch Money

Price

Free

Released On

Jan 21, 2021

Version

2.0.96

Requires Android

7.0

In-App Purchases

$14.99 - $99.99 per item

Contains Ads

No

Updated At

May 14, 2026

Features

Consider Monarch your home base for money clarity. Simplify your finances by bringing all your accounts into one easy view, have confidence in always knowing where your money is and where it's going, and collaborate with your partner or financial professional to track, budget, and reach goals together.

Monarch has been recognized by the Wall Street Journal as the “Best Budgeting App,” by Forbes as the “Best Mint Replacement” and by Motley Fool as the “Best Budgeting App for Couples and Families...

Consider Monarch your home base for money clarity. Simplify your finances by bringing all your accounts into one easy view, have confidence in always knowing where your money is and where it's going, and collaborate with your partner or financial professional to track, budget, and reach goals together. Monarch has been recognized by the Wall Street Journal as the “Best Budgeting App,” by Forbes as the “Best Mint Replacement” and by Motley Fool as the “Best Budgeting App for Couples and Families.”Getting started is simple. Connect your accounts and Monarch will auto-categorize your finances, giving you actionable insights in minutes. Customize your dashboard to give you the information you need at a glance, including your net worth, recent transactions, how you’re tracking toward your budget, investment performance, and upcoming expenses. Monarch makes it easy to take steps today to build toward your long term plans, all in one simple and collaborative financial tool. Track

●Connect your accounts and see everything in one place so you can get a clear view of how your money is moving and track progress on your net worth.
●Always know what’s around the corner with subscriptions and bills tracked in one easy calendar or list view and notifications so you don’t miss a payment.
●Keep an eye on subscriptions so you can cancel what you no longer need.
●Sync with your credit cards and loans and Monarch will provide statement balances and minimum payment due.
●Search for any transaction, across all of your accounts
●no shuffling between apps to find charges or refunds.
●View and customize reports for quick insights on your spending across groups and categories and trends over time. Budget
●Monarch offers two ways to budget
●Flex Budgeting or Category Budgeting
●so you can choose to have the structure or flexibility you need and make budgeting feel easy.
●Get a quick view of your budget progress with visual progress bars and a dashboard widget.
●Customize your groups and categories, emojis, and your notifications to keep you on track. Collaborate
●Add your partner or other household members and team up on your finances, whether you choose to have joint bank accounts or not. All at no extra cost.
●Invite your advisor, financial coach, tax professional or estate planning attorney so they can give you accurate advice with little effort required of you. Plan
●Create and track progress toward your medium and long term goals.
●Set up contributions toward your goals within your monthly budget, and watch your savings compound over time. A Membership With You in MindOur focus is on building a product that can transform your relationship to money, bringing clarity and confidence to your financial life. As a Monarch member, you’ll get access to all the new features we build and have the opportunity to vote on and provide feedback for new features on our roadmap. We build with the feedback from our community in mind. No AdsMonarch is not supported by advertisers and is designed with the sole purpose of making it easy and intuitive for you to manage your finances. That means we will never interrupt your experience with ads or try to sell you another financial product you don’t need. Private and SecureMonarch uses bank-level security, and we never store any of your financial credentials. Our platform is read-only, so there is no risk of your money moving. We take your privacy seriously and will never sell your personal or financial information to third parties. MEMBERSHIP DETAILSMonarch is free to try for 7 days. After your trial period, a membership fee will be billed either monthly or annually, depending on which plan you select. Privacy Policy: https://www. monarchmoney. com/privacyTerms of Use: https://www. monarchmoney. com/terms

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Ratings breakdown

21,600 reviews
5★
85%
4★
10%
3★
1%
2★
1%
1★
2%

Developer contact

Name

Monarch Money, Inc.

Address

340 S Lemon Ave Walnut, CA 91789 United States

Phone

+1 669-221-1210

Support

support@monarchmoney.com

Privacy

View policy

Frequently Asked Questions

Is Monarch: Budget & Track Money free to download?
high

Yes. The app metadata lists Monarch: Budget & Track Money as free, with in-app purchases listed as $14.99 - $99.99 per item.

Source: app_metadata

What do sampled users complain about in Monarch: Budget & Track Money?
high

Monarch: Budget & Track Money has sampled complaints about payment, subscriptions, trials, or locked features. 3 sampled reviews support this theme.

Source: user_reviews

How to Use

Consider Monarch your home base for money clarity. (app_description)

Getting Started

Source: app_description_and_user_feedback_noted

  1. Install Monarch: Budget & Track Money from the appropriate app store.
  2. Open the app and start with the free experience.
  3. Review the main features described in the app listing.
  4. Check settings or support resources if you run into sampled issue patterns such as monarch: budget & track money has sampled complaints about payment, subscriptions, trials, or locked features.

Key Features (from app listing)

Source: app_description

  • Finance app experience
  • Free download
  • From Monarch Money
  • 500,000+ downloads listed
How this content was created

Content type: pattern_analysis_of_user_reviews_and_metadata

AI generated: Yes

Data sources:
  • Google Play user reviews (12-20 preferred; may be smaller if source data is limited per app), May 04, 2026 to September 17, 2025
  • Google Play ratings distribution
  • App Store listing metadata
Limitations:
  • Review samples are not statistically representative of all user sentiment
  • High-engagement negative reviews can overrepresent complaints
  • Claims labeled 'low confidence' are based on single-review observations only
  • No real-world app testing was conducted
  • Feature availability may vary by region, device, and app version

Pros & Cons

Based on analysis of Google Play user reviews

Pros

  • Users appreciate the app: "Can pull from most financial institutions, when it can't though, it's the fault of the bank. Acceptable import/export ca" high

    Extracted from 1 high-rated user review(s)

    Evidence (1)
    “Can pull from most financial institutions, when it can't though, it's the fault of the bank. Acceptable import/export capabilities, though definitely room for improvement, especially around scripting ”
    Rating: 4★ March 15, 2026 7 likes

Cons

  • Some users report issues: "If I knew in August, when I decided to try this app, what I know now, I would not have allowed a subscription to go through. A one week free trial is " low

    Identified from 3 low-rated user review(s)

    Evidence (3)
    “If I knew in August, when I decided to try this app, what I know now, I would not have allowed a subscription to go through. A one week free trial is not long enough to learn that this app is subpar a”
    Rating: 1★ September 17, 2025 136 likes
    “It worked great for the first few months. It was very good at automatically categorizing my purchases and letting me now my spending compared to my budget. However, for the last few months it has not ”
    Rating: 1★ May 03, 2026 3 likes
    “Really disappointing that an app that's supposed to help you manage money is setting you up for a "free trial" with a subscription renewal that you'll hopefully forget about before you're even allowed”
    Rating: 1★ February 25, 2026 17 likes

Recent Reviews

Ria Suarez

1★

If I knew in August, when I decided to try this app, what I know now, I would not have allowed a subscription to go through. A one week free trial is not long enough to learn that this app is subpar and a major hassle. I have nothing but problems with connecting accounts and it staying up to date. The online version is a better display than on a phone screen. But if it is not going to help me track my numbers consistently, then why bother? What a waste of money.

September 17, 2025 136 likes

Mannix Perera

1★

It worked great for the first few months. It was very good at automatically categorizing my purchases and letting me now my spending compared to my budget. However, for the last few months it has not been able to sync with my bank account. Monarch doesn't really have customer service, and their AI chat bot can't resolve this. I will be unistalling this app and purchasing a different one. Edit : Yes, I tried the support chat bot but it just gives me the same answers as before.

May 03, 2026 3 likes

Aaron Rendahl

4★

Can pull from most financial institutions, when it can't though, it's the fault of the bank. Acceptable import/export capabilities, though definitely room for improvement, especially around scripting or automation. Category support is excellent, with some ability to set up automatic categorization. Budgeting capabilities are complex, despite a supposedly simple option, and I haven't figured it out yet; I don't think it will budget how I want to, but with exports I can keep doing that on my end.

March 15, 2026 7 likes

Jared Morgan

1★

Really disappointing that an app that's supposed to help you manage money is setting you up for a "free trial" with a subscription renewal that you'll hopefully forget about before you're even allowed to see what the app does. Also defaults to the annual plan that's made to look like a cheaper monthly option. This may actually be a good app, but with tactics like this in place, I won't be trying it.

February 25, 2026 17 likes

Amanda Troyer

1★

Apparently I already used a free trial a long time ago, so I am completely locked out of the app unless I pay $99 for a year. Haven't been vibing with Rocket Money so I was really interested in switching, but wanted to see if I could test basic functions first and see how it works. Oh well I guess, I'll find a different app ¯\_(ツ)_/¯ Maybe at least let me see my data from last time instead of completely locking me out for daring to go try other apps. Rude.

May 04, 2026 1 likes
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