AI Financial Coach

What is Monarch Money?

Monarch Money is a home base for money clarity that brings all your accounts together in one clear view. It helps you know where your money is and where it’s going, supports goal setting and planning, and allows you to collaborate with a partner or professional at no extra cost.

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How does Monarch Money help couples manage finances together?

Monarch Money includes collaboration features that let you invite your partner to see a shared financial picture, budget together, and work toward shared goals faster and with greater transparency.

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What features does Monarch Money offer for budgeting and financial planning?

Monarch Money offers account connections for a complete view, flexible budgeting that adapts to your life, goal setting with progress tracking, a customizable dashboard, monthly health snapshots, and tools to organize transactions (including AI-assisted categorization and automated rules).

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How does Monarch Money help with tracking and net worth?

You can view your net worth and track day-to-day spending and cash flow. All your transactions appear in a single, searchable list, making it easy to monitor spending and financial progress over time.

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How does Monarch Money ensure privacy and security of users' financial data?

Monarch focuses on an ad-free, uncluttered experience and uses bank-level security. Login credentials are not stored, Monarch uses read-only access, and it cannot initiate transactions. Monarch does not sell user data to third parties.

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How many financial institutions can Monarch connect to?

Monarch syncs with 13,000+ financial institutions to keep your accounts in sync.

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Does Monarch Money automatically detect recurring subscriptions?

Yes. Monarch automatically detects recurring subscriptions (like streaming services, gyms, or app memberships) to help you spot what you’re paying for and manage monthly spending.

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On which devices does Monarch Money work, and is data synced across devices?

Monarch works across web, iOS, and Android, and data stays in sync so you can check your money anytime, anywhere.

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Is Monarch ad-free?

Yes. Monarch offers an ad-free experience.

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Can I collaborate with a professional or advisor using Monarch Money?

Yes. You can collaborate with your partner or advisor at no extra cost.

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Does Monarch use cookies and what is their purpose?

This site uses cookies to enable essential functionality, as well as for analytics (including session replay), personalization, and advertising. You can manage cookie preferences as part of the Privacy Policy.

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What are Monarch's pricing options, trial period, and welcome discount terms?

Monarch offers a 7-day free trial. There is a welcome code WELCOME that provides 30% off your first year for new users on the annual Core plan. Terms: the discount is for new users only, valid for the annual Core plan, redeemable on web checkout only (not on the mobile app), and may expire or be deactivated at any time.