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Monarch

Monarch

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Verified working Aug 6, 2026

A shared finance dashboard for budgets, accounts, goals, and net worth.

Monarch is a personal finance app for pulling bank accounts, credit cards, loans, real estate, and investments into one organized view. It supports budgeting, transaction review, recurring subscription tracking, financial reports, shared household planning, and savings goals across web, iOS, and Android.

Why it stands out

  • Built-in collaboration lets partners or professionals work from the same financial picture without an extra-seat fee.
  • Uses multiple financial data providers and advertises connections to 13,000+ institutions, which can help when one sync route fails.
  • Combines day-to-day budgeting with broader net worth, investment, loan, and real estate tracking in one dashboard.
  • Transaction review status and recurring-charge detection make it useful for ongoing household money maintenance, not just monthly budgeting.
  • Goal planning is tied to cash flow, so savings targets can be adjusted against the rest of the budget.

Good to know

  • Monarch is positioned as a paid subscription product, with discounts applying to the first year rather than making the service free.
  • The strongest features depend on linking financial accounts, which may not suit users who prefer fully manual or offline budgeting.
  • Sync quality still depends on each financial institution and data provider connection, even with broad institution coverage.
  • It is for tracking and planning finances, not for executing bank transfers, bill payments, or investment trades from the app.

Photos

Illustration for Monarch