Monarch Money Pricing 2026
Complete pricing guide with plans, and cost analysis
Monarch Money costs $8.33/month for Annual. Plans range from $8.33 to $14.99/month.
Monarch Money costs $8.33 to $14.99 per month as of April 2026, with 2 plans available. Plans: Annual at $8.33/month, and Monthly at $14.99/month. Pricing depends on your chosen tier, contract length, and negotiated discounts.
Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.
- Free tier: No free tier available
Monarch Money offers 2 pricing tiers: Annual, Monthly. Paid plans include Annual at $8.33/month, Monthly at $14.99/month. The Monthly plan is users who prefer monthly flexibility.
Compared to other personal finance & budgeting software, Monarch Money is positioned at the budget-friendly price point.
How much does Monarch Money cost?
Monarch Money Pricing Overview
Monarch Money has 2 pricing plans ranging from $8.33 to $14.99/month. The Annual plan costs $8.33/month, best for most users who want comprehensive finance tracking. The Monthly plan costs $14.99/month, best for users who prefer monthly flexibility.
This pricing was last verified in April 1, 2026.
All Monarch Money Plans & Pricing
| Plan | Monthly | Annual | Best For |
|---|---|---|---|
| Annual | $8.33 /month | $99.99 /year | Most users who want comprehensive finance tracking |
| Monthly | $14.99 /month | Custom | Users who prefer monthly flexibility |
View all features by plan
Annual
- Unlimited account connections
- Investment performance tracking
- Custom reporting
- Subscription tracking
- Bill statement balances
- Two budgeting system options
- Unlimited collaborator invitations
- Web, mobile, and iPad apps
Monthly
- Unlimited account connections
- Investment performance tracking
- Custom reporting
- Subscription tracking
- Bill statement balances
- Two budgeting system options
- Unlimited collaborator invitations
- Web, mobile, and iPad apps
How Monarch Money Pricing Compares
| Software | Starting Price | Top Price |
|---|---|---|
| Monarch Money | $8.33/month | $14.99/month |
| YNAB | $9.08/month | $14.99/month |
| Copilot Money | $7.92/month | $13/month |
| Tiller Money | $6.58/month | $6.58/month |
| Goodbudget | Free | $10/month |
| EveryDollar | Free | $17.99/month |
Detailed pricing comparisons:
Monarch Money Pricing FAQ
01 How much does Monarch Money cost?
Monarch Money costs $14.99/month or $99.99/year ($8.33/month). New users can use promo code WELCOME for 30% off their first year, bringing the Annual plan to about $70.
02 Does Monarch Money have a free trial?
Yes, Monarch Money offers a 7-day free trial with full access to all features including account connections, investment tracking, and budgeting tools.
03 Is Monarch Money a good replacement for Mint?
Yes, Monarch Money is widely considered the top Mint replacement. It offers unlimited account connections, investment tracking, and collaborative budgeting with a cleaner interface. The Annual plan at $99.99/year compares favorably to Mint's former free model.
04 Monarch Money vs YNAB: which is better?
Monarch Money's Annual plan costs $99.99/year versus YNAB's $109/year, making Monarch slightly cheaper. Monarch Money excels at investment and net worth tracking with unlimited account connections. YNAB is better for strict zero-based budgeting and behavior change. Choose Monarch for passive tracking, YNAB for active budgeting discipline.
05 Can I share Monarch Money with my partner?
Yes, Monarch Money supports unlimited collaborator invitations on both the Annual ($99.99/year) and Monthly ($14.99/month) plans. This makes it well-suited for couples and households who want a shared financial view.
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