Monarch Money

by Monarch Money, Inc. · in Track spending and budget with AI

A budgeting and money-tracking app with AI transaction categorisation and an in-app AI Assistant, for individuals and couples.

In short

  • Individuals and couples who want all accounts, budgets and goals in one place with AI categorisation.
  • Available on iOS, Android (developer states).

Facts

monarch.com
Agent level
Assistant: answers and suggestsDeveloper states · checked Nov 4, 2026
Developer
Monarch Money, Inc. Developer states
Platforms
iOSAndroidDeveloper states
Pricing
Subscription Developer states
Interface languages
English Developer states
Regions
Not yet verified
Setup
Not yet verified
Hands-on test
Developer states · Not yet tested by us
Sources checked
Nov 4, 2026

What it does

Developer states · checked Nov 4, 2026 for all 5 below

  • AI categorisation of transactions
  • AI explanations of transactions
  • Budget with Flex or Category budgeting
  • Detect recurring subscriptions
  • Share finances with a partner

Before you try

Developer states · checked Nov 4, 2026 for all 2 below

  • Read-only: the app does not move money
  • App Store age rating 4+ (Google Play: Everyone)

Capabilities come from the developer and are not a guarantee of performance in your situation.

Pricing

Subscription Developer states · checked Nov 4, 2026

  • entry paid: USD 14.99 / month (US) Developer states · checked Nov 4, 2026
  • other: USD 99.99 / year (US) Developer states · checked Nov 4, 2026

Cost and cancelling

Real cost over 12 months
Not yet verified
Cancelling
Not yet verified
Refunds
Not yet verified
Paywall
Not yet verified
Pressure tactics we saw
Not yet verified

What you actually pay and how easy it is to leave, from our hands-on test. Facts only, no score.

Sources and editorial notes

No rating is assigned. Labels show where each statement comes from: “Developer states” means the app’s own published information.

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