Budgeting Apps · pricing · Updated September 2026
Monarch Money pricing (2026)
Monarch Money starts at $8.33/mo (Core (Annual)) as checked on 2026-09-05, read from Monarch Money's own pricing page; 3 plans. Best for Households wanting a comprehensive all-in-one financial dashboard. Every figure below links to its source and the date we captured it.
At a glance
- Entry price: $8.33/mo (Core (Annual))
- 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
As of · every figure below links to its source STALE · 2026-09-05
Monarch Money plans & pricing
| Plan | Monthly | Annual | Billing | Notes | Source |
|---|---|---|---|---|---|
| Core (Monthly) STALE · 2026-09-05 | $14.99 | — | Flat monthly | 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. | monarch.com |
| Core (Annual) STALE · 2026-09-05 | $8.33 | — | Flat monthly | 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). | monarch.com |
| Plus (Annual) STALE · 2026-09-05 | $16.67 | — | Flat monthly | 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 2026-09-05. STALE marks a plan we have not re-checked at its source in over 30 days. Every plan above is marked — we flag rather than silently retain. 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.
Price changes
Price on record
$8.33/moFirst on record 2026-06-27
A new dated entry is stamped here each time the price moves — the record builds itself.
Tracked since June 2026. No change record has cleared two sources yet, so nothing is published on the wire.
Corrections to this record
Changes we made to our own record of Monarch Money, newest first: a figure read again on the vendor's page, a plan it no longer lists, a note. None of them is a price change by Monarch Money. Every correction on the site is in the corrections log.
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Core (Annual). Correction 2026-09-11: the annual discount of 44% was removed from "Core (Annual)". The recorded $8.33/mo is this plan's own note's $99.99 yearly total over 12 months, so the saving is already inside the figure, while the page prints the percentage as a further discount off the same row — offering a reader $4.66/mo. Removed rather than moved: no rate above it is named anywhere in the note. The note still describes the term in full. No price changed.
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Plus (Annual). Recorded from monarch.com rather than the vendor's own pricing page. Re-read on the vendor's page on 2026-09-05, where the plan now reads "Plus".
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 2026-09-05.
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 2026-09-05.
Does Monarch Money support HIPAA?
Monarch Money's public pages do not say whether it supports HIPAA. Its public pages also state SOC 2 compliance.
Does Monarch Money have a free plan?
No — Monarch Money publishes no free tier; it offers a 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
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This standing as a plaque
Monarch Money currently holds a bronze deskmark here — Rank 6 of 8 · Budgeting Apps. Anyone may show it. There is nothing to apply for, nothing to pay, and displaying it changes no score: the standing comes from the published algorithm, which never reads commission data. We never ask anyone to show it, and its link carries rel="nofollow".
The image is drawn from our live data, so it follows the standing rather than freezing it: if Monarch Money moves up or down a tier, the plaque on your own site says so at our next publish. Nothing is tracked beyond the ordinary web-server log that records any image request.