Monarch Money Pricing 2026
Complete pricing guide with plans, hidden costs, and cost analysis
Monarch Money costs $8.33/month for Core. Plans range from $8.33 to $16.67/month.
Are you Monarch Money? Claim this profile
Is Monarch Money a fit?
Derived from this product's own pricing and contract record — not a review.
Best for
- Most users tracking spending, budgeting, and savings goals
- Long-term planners, small business owners, and investors
Not a fit if
- The sticker price is your whole budget — Connection Reliability Issues.
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 |
| Verified pricing · last checked July 2026 · 1 source
Get this price at Monarch Money →
| |||
| What's included at Core Best for: Most users tracking spending, budgeting, and savings goals
| |||
| Plus | $16.67 /month | $199.99 /year | Long-term planners, small business owners, and investors |
| Verified pricing · last checked July 2026 · 1 source
Get this price at Monarch Money →
| |||
| What's included at Plus Best for: Long-term planners, small business owners, and investors
| |||
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
Track Monarch Money pricing
Get an email when Monarch Money's pricing changes — plus the weekly SaaS Price Watch: verified price changes and deals across 3,000+ products. One-click unsubscribe.
You're on the list — first digest lands Tuesday.
What does Monarch Money actually cost you?
Drag the slider. Pick a tier. Your projected spend updates as you go.
List price by tier (annualized, per unit)
Per-unit list price across Monarch Money's plans, annualized. Custom-priced tiers show a hatched bar.
Monarch Money costs $8.33 to $16.67 per month as of August 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.
- 5 documented hidden costs beyond list price
- Contracts auto-renew — at any time with a prorated refund for annual subscriptions purchased directly through the website
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.
Monarch Money contracts auto-renew, with a one month or one year minimum commitment.
There are at least 5 documented hidden costs beyond Monarch Money's list price, including implementation, training, and add-on fees.
This pricing was last verified in July 25, 2026 from 1 independent source.
How Monarch Money Pricing Compares
Compare Monarch Money pricing against top alternatives in Personal Finance & Budgeting.
Compare Monarch Money vs Alternatives
Before committing to Monarch Money, compare pricing with these 3 alternatives in the same category.
What Companies Actually Pay for Monarch Money
How Monarch Money Pricing Compares
| Software | Starting Price | Top Price |
|---|---|---|
| Monarch Money | $8.33/month | $16.67/month |
| Acorns | $3/mo | $12/mo |
| Albert | $19.99/mo | $39.99/mo |
| Buxfer | $7.99/month | $23.99/month |
| Copilot Money | $7.92/month | $13/month |
| Dollarbird | $5/year | $6.67/year |
Detailed pricing comparisons:
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.
How to Negotiate Monarch Money Pricing
Monarch Money contracts are negotiable. These 2 tactics are sourced from real buyer experiences and procurement specialists.
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.appSome users have reported seeing a discount retention offer during the cancellation process.
https://checkthat.aiMonarch 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 Core plan costs $99.99/year, making pricing straightforward for households comparing budgeting apps. 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.
06 Is Monarch Money safe to connect my bank accounts to?
Monarch Money connects financial accounts through third-party services. Some users have noted that the privacy policy involves significant data collection and sharing with external apps. Review the privacy policy carefully before connecting sensitive financial accounts.
Is this pricing incorrect? — we'll verify and update it.