# Monarch Money pricing (2026): plans, cost, and compliance

**Entry price:** $8.33/mo (Core (Annual)). Among the 8 budgeting apps we track it is #7 cheapest of 8; median entry $6/mo.
**Domain:** monarch.com
**Free tier:** No · 7-day free trial
**Compliance:** HIPAA Not published · SOC 2 Yes · GDPR Not published
**Integrations:** Bank sync via Plaid, Investment account aggregation, Crypto account tracking, Morningstar fund analysis (Plus)
**Best for:** Households wanting a comprehensive all-in-one financial dashboard; Investors tracking portfolios alongside budgets; Freelancers and LLC owners tracking business finances separately (Plus); Users prioritizing privacy and no ads
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Core (Monthly) | $14.99 | — | flat | Month-to-month billing at $14.99/mo. 7-day free trial. New users can get 30% off first year with code WELCOME on annual Core plan. | nerdwallet.com |
| Core (Annual) | $8.33 | −44% | flat | Billed annually at $99.99/yr ($8.33/mo equivalent). 7-day free trial, money-back guarantee. 30% off first year promo available (code WELCOME, web checkout, new users only). | nerdwallet.com |
| Plus (Annual) | $16.58 | — | flat | Billed annually at $199/yr ($16.58/mo equivalent); annual billing only, no month-to-month option. Adds power-user features: Forecasting, Morningstar investment analysis, small-business tracking, and RSU tracking. Existing Monarch members get $50 off the first year. 7-day free trial. Price confirmed from the official Monarch Plus announcement page. | monarch.com |

**Key features:** Automatic transaction categorization; Budget management with spending tracking; Net worth tracking across all accounts; Cash flow forecasting and net worth projection (Plus); Business finance P&L tracking for pass-through entities (Plus); Morningstar investment fund analysis (Plus); Privacy-first and ad-free — data not sold to advertisers; SOC 2 certified; Read-only bank access — cannot move money; 2FA and one-time passcodes for unrecognized devices.

**Plan limits:** No free tier — paid plans only; Plus plan is annual billing only (no monthly option); Business tracking does not include invoicing, payroll, or payroll tax.

## Cheaper budgeting apps alternatives

- [Rocket Money](https://frontdeskreview.com/software/budgeting-apps/rocket-money/) — from $0/mo
- [Goodbudget](https://frontdeskreview.com/software/budgeting-apps/goodbudget/) — from $0/mo
- [EveryDollar](https://frontdeskreview.com/software/budgeting-apps/everydollar/) — from $0/mo
- [Quicken Simplifi](https://frontdeskreview.com/software/budgeting-apps/quicken-simplifi/) — from $5.99/mo
- [PocketGuard](https://frontdeskreview.com/software/budgeting-apps/pocketguard/) — from $6.25/mo

Sources: 2 · Last verified 2026-06-14
Provenance: Official pricing page monarch.com/pricing renders via JavaScript and returned only partial content. Core plan pricing confirmed via NerdWallet best-budget-apps article (2026, $99.99/yr or $14.99/mo) and wellkeptwallet.com review (April 2026, $99.99/yr = $8.33/mo). Plus tier price ($199/yr, annual only) confirmed via the official Monarch announcement blog (monarch.com/blog/monarch-plus) and corroborated by multiple 2026 comparison sources. 7-day free trial and money-back guarantee confirmed on official site.
Canonical: https://frontdeskreview.com/software/budgeting-apps/monarch-money/
Cite: Per The Front Desk Review, Monarch Money's entry plan was $8.33/mo as of 2026-06-14 — https://frontdeskreview.com/software/budgeting-apps/monarch-money/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl