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Monarch Money

From $99.99/yr · ranked #3 of 13
Reviewed by Rick Castro, Founder & lead analyst · Last updated July 2026
★ 4.8 / 5 · 88k user reviews · App Store + Google Play, cross-referenced · display-only, not part of the SoftwareScore
ValueEaseAutoLinkingReportsSecurityOwnership
75
SoftwareScore · ranked #3

A polished all-in-one budgeting and net-worth tracker that rose as the Mint successor, strong on reporting and account linking.

Value (price vs capability) 6
Ease of use 8
Automation 8
Account linking 8
Budgets & reporting 9
Security & privacy 8
Data ownership / export 6

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Compare Monarch Money head-to-head

Monarch Money vs YNAB 65
The zero-based budgeting standard with a devoted following and a real method, powerful for gaining control, with a learning curve and no free tier.
Monarch Money vs Copilot Money 76
A gorgeous, Apple-first money app with smart AI categorization and delightful design, best if you live on iPhone and Mac.
Monarch Money vs Quicken Simplifi 75
Quicken's modern, affordable budgeting app with a clean spending plan and solid account sync, strong value for the money.
Monarch Money vs Empower Personal Dashboard 77
A free net-worth and investment dashboard (formerly Personal Capital), excellent for tracking portfolios, funded by wealth-management upsells.
Monarch Money vs Lunch Money 71
An indie budgeting app loved for multi-currency, crypto tracking, a clean API, and honest export, built by a solo developer.
Monarch Money vs Actual Budget 71
An open-source, local-first envelope budgeting app you can self-host, top marks for privacy and data ownership.