Price checkMonthly
Core$8.33/moPlus$16.67/mo
See all 2 plans

All Monarch Money Plans & Pricing

Plan Monthly Annual Best For
View all features by plan (compare side-by-side)

Core

  • See your complete net worth across every account
  • Build a budget that fits your life
  • Visualize your money with custom reports
  • Set and track savings and debt goals
  • Connect to 13,000+ banks and financial institutions
  • Zillow and Coinbase integrations
  • AI Assistant with weekly summaries
  • Web, mobile, and iPad apps
  • Add a partner for free

Plus

  • Everything in Core
  • Forecast your path to retirement
  • Model life events (job change, remodel, kids)
  • Track business income and expenses
  • P&L reports and tax-prep exports
  • Advanced investment analysis
  • Equity compensation tracking
  • Create a will
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What does Monarch Money actually cost you?

Drag the slider. Pick a tier. Your projected spend updates as you go.

Tier
Billing
Your projected cost$208.25per month · $8.33/unit × 25units
Year 1 license$2.5K12 months at this rate
At a glance

List price by tier (annualized, per unit)

Per-unit list price across Monarch Money's plans, annualized. Custom-priced tiers show a hatched bar.

Core$99.96/yr
Plus$200.04/yr
Quick Answer
Last verified:
Estimate

Monarch Money costs $8.33 to $16.67 per month as of July 2026, with 2 plans available. Plans: Core at $8.33/month, and Plus at $16.67/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: Core, Plus. Paid plans include Core at $8.33/month, Plus at $16.67/month. The Plus plan is long-term planners, small business owners, and investors.

Compared to other personal finance & budgeting software, Monarch Money is positioned at the budget-friendly price point.

  • 4 documented hidden costs beyond list price
  • Contracts auto-renew — at any time with a prorated refund for annual subscriptions purchased directly through the website
Last verified: | Sources: 1 pricing pages and reviews

How much does Monarch Money cost?

Monarch Money pricing ranges from $8.33 to $16.67/month across 2 plans. Plans include Core at $8.33/month, Plus at $16.67/month.

Monarch Money Pricing Overview

Monarch Money has 2 pricing plans ranging from $8.33 to $16.67/month. The Core plan costs $8.33/month, best for most users tracking spending, budgeting, and savings goals. The Plus plan costs $16.67/month, best for long-term planners, small business owners, and investors.

Monarch Money contracts auto-renew, with a one month or one year minimum commitment.

There are at least 4 documented hidden costs beyond Monarch Money's list price, including implementation, training, and add-on fees.

This pricing was last verified in May 3, 2026 from 1 independent source.

Start Monarch Money Free Trial — 7 Days
Monarch Money is a comprehensive personal finance app priced at $16.67/month on the Monthly plan or $99.99/year ($8.33/month) on the Annual plan. It supports unlimited account connections including investments, stocks, and crypto, along with collaborative budgeting with unlimited invited collaborators. Monarch Money offers a 7-day free trial with full feature access.

How Monarch Money Pricing Compares

Compare Monarch Money pricing against top alternatives in Personal Finance & Budgeting.

YNAB $9.08-$14.99/mo Compare → Copilot Money $7.92-$13/mo Compare → EveryDollar $0-$17.99/mo Compare →

Compare Monarch Money vs Alternatives

Before committing to Monarch Money, compare pricing with these 3 alternatives in the same category.

VSYNAB
From $9.08/mo

Most users who commit to budgeting

Full comparison
VSCopilot Money
From $7.92/mo

Apple ecosystem users who want a premium finance app

Full comparison
VSEveryDollar
Free

Users who want automatic bank sync and insights

Full comparison

All Monarch Money alternatives & migration guides

What Companies Actually Pay for Monarch Money

Review scores
Trustpilot 2.1/5 (24)
Top pricing complaints
Connection Issues and Syncing ProblemsCredit Card ManagementAuto-Categorization and Excessive CategoriesAggressive Recurring Transactions

How Monarch Money Pricing Compares

Software Starting Price Top Price
Monarch Money $8.33/month $16.67/month
Copilot Money $7.92/month $13/month
EveryDollar Free $17.99/month
Goodbudget Free $10/month
Honeydue Custom Custom
Simplifi by Quicken $3.99/month $6.99/month

Detailed pricing comparisons:

Browse all Personal Finance & Budgeting pricing →

4 Monarch Money Hidden Costs Beyond the List Price

Beyond the listed price, Monarch Money has at least 4 documented hidden costs that can significantly increase total cost of ownership.

Watch for 4 hidden costs
  • Connection Reliability Issues
    high 1 source
    industry "Connection Reliability Issues: User feedback often raises concerns about the reliability of bank connections and customer support, which can diminish the perceived value when core syncing is inconsistent."
  • Steep Learning Curve
    medium 1 source
    industry "Users may need to spend time setting up accounts, tweaking categories, and understanding reports."
  • Manual Cash Tracking
    low 1 source
    industry "Manual Entry for Cash Tracking: Monarch Money is built around connecting to banks for automatic transaction pulling, making it less ideal for tracking cash transactions, which require manual entry."
  • Setup and Customization Time
    medium 1 source
    industry "Time for Setup and Customization: Users are encouraged to spend dedicated time organizing categories and groups to ensure accurate financial tracking and meaningful data."
Tip

Ask your Monarch Money sales rep about these costs upfront. Getting them in writing before signing can save you from surprise charges later.

Full hidden costs breakdown →

Intelligence sourced from 2 independent sources
industry Trustpilot Consumer reviews
Key claims include inline source attribution. Data verified against multiple independent sources. 7 source citations total.

Monarch Money Contract Terms

Monarch Money contracts auto-renew. Changes require at any time with a prorated refund for annual subscriptions purchased directly through the website. These terms are sourced from verified buyer experiences.

Contract Terms
Auto-Renewal Yes
Cancellation Notice at any time with a prorated refund for annual subscriptions purchased directly through the website
Minimum Commitment one month or one year
Based on 1 verified source

How to Negotiate Monarch Money Pricing

Monarch Money contracts are negotiable. These 2 tactics are sourced from real buyer experiences and procurement specialists.

Negotiation Playbook 2 tactics
Promotional Discounts high success

New users may find promotional discounts, such as "WELCOME" for 30% off the first year of the Core plan (costing roughly $70), or "WSS50" and "ROB50" for 50% off the first year of the Core Plan.

https://getfinny.app
Retention Offers medium success

Some users have reported seeing a discount retention offer during the cancellation process.

https://checkthat.ai
High success Medium Low / difficult

Full negotiation guide →

Monarch Money Pricing FAQ

01 How much does Monarch Money cost?

Monarch Money costs $16.67/month on the Monthly plan or $99.99/year ($8.33/month) on the Annual plan. The Annual plan saves about $80/year compared to monthly billing. New subscribers can use promo code WELCOME for 30% off the first year, bringing the cost to approximately $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 collaborative budgeting. No credit card is required to start. There is no permanent free tier — after the trial you must choose a paid plan.

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, custom reporting, and collaborative budgeting with unlimited invited collaborators — features that Mint offered at no cost. At $99.99/year it's priced competitively for the feature set.

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 passive tracking and investment visibility. YNAB is better for proactive, zero-based budgeting with its envelope methodology. Monarch suits households that want a Mint-like overview; YNAB suits people actively trying to change spending habits.

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 ($16.67/month) plans. Collaborators get full access to shared budgets, goals, and investment tracking at no extra cost.

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