Monarch
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
Couples and households can combine account views to budget and plan goals together. Review recent transactions in one searchable list instead of checking each bank app. Track cash flow, spending categories, net worth, and investment balances over time. Spot recurring subscriptions and forgotten charges before they keep draining the budget. Set savings targets for large purchases, trips, remodels, or emergency funds.
Account aggregation for banks, credit cards, loans, real estate, and investments; customizable budgets; searchable transaction feed with reviewed status; recurring charge detection; net worth and cash-flow reporting; goal tracking; shared access for partners or financial professionals; web, iOS, and Android apps kept in sync.
Alternative listings
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