Best Budgeting Apps · pricing · Updated June 2026
Monarch Money pricing (2026)
Monarch Money starts at $8.33/mo (Core (Annual)), across 3 plans. Best for Households wanting a comprehensive all-in-one financial dashboard. Every figure links to Monarch Money's own page and the date we captured it.
At a glance
- Entry price: $8.33/mo (Core (Annual)) · 44% off with annual billing
- Free tier: No · 7-day trial
- Compliance: HIPAA — · SOC 2 Yes · GDPR —
- 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
Monarch Money plans & pricing
| 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 |
Last verified 2026-06-14. 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. Cross-checked against wellkeptwallet.com.
Capabilities
Integrations: Bank sync via Plaid, Investment account aggregation, Crypto account tracking, Morningstar fund analysis (Plus).
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.
Frequently asked questions
How much does Monarch Money cost?
Monarch Money starts at $8.33/mo (Core (Annual)); it has 3 published plans. Verified 2026-06-14.
Is Monarch Money cheaper billed annually?
Yes. Monarch Money publishes a 44% discount for paying annually (on the Core (Annual) plan). Verified 2026-06-14.
What are cheaper alternatives to Monarch Money?
Cheaper budgeting apps than Monarch Money (entry $8.33/mo) include Quicken Simplifi at $5.99/mo, PocketGuard at $6.25/mo, Goodbudget at $6.67/mo. Verified 2026-06-14.
Does Monarch Money support HIPAA?
Monarch Money HIPAA support: —. SOC 2: Yes. GDPR: —.
Does Monarch Money have a free plan?
Monarch Money free tier: No; 7-day free trial.
Monarch Money vs alternatives
Compare all budgeting apps → · Monarch Money alternatives → · Open data · MCP
Cheaper budgeting apps alternatives
- Copilot Money from $7.92/mo
- Rocket Money from $7/mo
- Goodbudget from $6.67/mo
- EveryDollar from $6.67/mo
- PocketGuard from $6.25/mo
- Quicken Simplifi from $5.99/mo