Monarch Money Pricing 2026
Complete pricing guide with plans, and cost analysis
Monarch Money costs $8.33/month for Core. Plans range from $8.33 to $16.67/month.
Monarch Money costs $8.33 to $16.67 per month as of May 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.
How much does Monarch Money cost?
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.
This pricing was last verified in May 3, 2026 from 1 independent sources.
How Monarch Money Pricing Compares
Compare Monarch Money pricing against top alternatives in Personal Finance & Budgeting.
All Monarch Money Plans & Pricing
| Plan | Monthly | Annual | Best For |
|---|---|---|---|
| Core | $8.33 /month | $99.99 /year | Most users tracking spending, budgeting, and savings goals |
| Plus | $16.67 /month | $199.99 /year | Long-term planners, small business owners, and investors |
View all features by plan
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
Compare Monarch Money vs Alternatives
Before committing to Monarch Money, compare pricing with these 3 alternatives in the same category.
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 | $2.99/month | $5.99/month |
Detailed pricing comparisons:
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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