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Monarch: Personal Finance

Monarch: Personal Finance

Monarch Money

Financial Planning & Budgeting

4.6 Ratings 159+ Reviews

Ratings & Reviews

4.6
159+ Ratings
  1. 5
    81+%
  2. 4
    9+%
  3. 3
    2+%
  4. 2
    4+%
  5. 1
    4+%
Write a Review
  • Taking personal finance to the next level :) Dec 25, 2020

    By Melhoshy
    I’ve been using this for a few days now and would say it’s a nice alternative to Mint that has more focus on cash flows and categorizing transaction to better understand your monthly income vs expenses, and helps you budget against them. I really like the monthly summary page, in addition to the ability to quickly see category spend and allocate against it. I personally have a bit of an interest in the space and use Mint and Personal Capital currently, in addition to aggregating my accounts via Bank of America and Chase as well. I am always curious to test out different features, and help me understand financial picture including investments and RSUs and such — and this app seems to “just get it”. I am quite impressed in first few days of use and will definitely be shifting more of my focus from Other apps to this.
    more
  • Feb 4, 2021

    By Danica Ellis
    Great Software! I love that you can set rules that funnel transactions to the appropriate category following connection to your institution using Plaid (same connector as Mint, YNAB, etc.). The intuitive dashboard and cash flow trackers are simple to navigate. The planning (budgeting) tool is awesome and allows you to "forecast" monthly or annually based on preference. Love this tool!
    more
  • Like Mint, but without the ads! Jan 31, 2021

    By casmith07
    I decided to try Monarch based off of a few other comments as well as the very pretty UI — happy to report that this is virtually the same as Mint, which is also popular, but without the constant barrage of ads that you get in Mint. I paid for a year with their current promotion and will be using this to serve as my own financial advisor for some time - please please please never go ad-supported like Mint! The ads and constant promotional pop ups are nauseating.
    more
  • Feb 3, 2021

    By Parker Haile
    Intuitive, doesn't take ages to learn how to use like YNAB, no junk or advertising like Mint, great UI, super reliable. Rules system is super helpful. I've been using the desktop version for a while now and went from worrying about my bills every month to staying on top of them and putting more into savings than I thought was possible.
    more
  • Feb 4, 2021

    By Mike Jones
    Initial impression is that I love it, app is smooth and beautiful to use and provides some great insights. I am using the 14 day free trial right now and am waiting for them to fix their issues with empower 401ks for importing and then I will consider subscribing. 5th star will be added once they fix the one import issue I have.
    more
  • I want to love Jan 16, 2021

    By mpls55412
    But 7 of my 9 financial institutions are currently listed on their known connectivity page: Wells, BOA, Fidelity, Vanguard, Cap1, Synchrony, and Amex. Only 1 of my accounts works and that’s Chase. My main credit union is not supported: Alliant Credit Union. So 1 out of 9. Umm. For $80 a year you need to offer syncing capabilities that at a minimum exceed that of your free rivals Mint and PC. Which both have minimal day to day issues syncing all 9 of my accounts. I’m grateful apps like MM and Simplifi are coming into the market to offer choice. But for now, they lack connectivity and refinement that the older apps have. Usually that is ok if we are comparing free apps to free apps. But premium apps such as MM shouldn’t come to the market offering syncing capabilities as limited as they have and anticipate making a name for themselves. Well, a positive name I should say.
    more
  • Apr 7, 2021

    By Andrey Smirnov
    The worst service ever, they just charge you for a year by default and ignore after. No transaction sync with fidelity, they don't even think that they could explain something to a customer. Total ignorance.
  • Feb 18, 2021

    By Liara Vontelien
    Meh. Can do more on personal capital... and no monthly fees. Hard pass.
  • Feb 14, 2021

    By Matt Rampone
    Endless loading and connecting.
  • Great UI but fails to deliver Feb 14, 2021

    By tsc018
    This app only has basic Plaid integration and found the numerous accounts did not sync properly. Loans were showing as positive values (wouldn’t that be nice?) and account values were not automatically updating daily. The features related to budgeting were great, especially being able to create custom categories.
    more

No reviews available

  • Taking personal finance to the next level :) Dec 25, 2020

    By Melhoshy
    I’ve been using this for a few days now and would say it’s a nice alternative to Mint that has more focus on cash flows and categorizing transaction to better understand your monthly income vs expenses, and helps you budget against them. I really like the monthly summary page, in addition to the ability to quickly see category spend and allocate against it. I personally have a bit of an interest in the space and use Mint and Personal Capital currently, in addition to aggregating my accounts via Bank of America and Chase as well. I am always curious to test out different features, and help me understand financial picture including investments and RSUs and such — and this app seems to “just get it”. I am quite impressed in first few days of use and will definitely be shifting more of my focus from Other apps to this.
    more
  • Feb 4, 2021

    By Danica Ellis
    Great Software! I love that you can set rules that funnel transactions to the appropriate category following connection to your institution using Plaid (same connector as Mint, YNAB, etc.). The intuitive dashboard and cash flow trackers are simple to navigate. The planning (budgeting) tool is awesome and allows you to "forecast" monthly or annually based on preference. Love this tool!
    more
  • Like Mint, but without the ads! Jan 31, 2021

    By casmith07
    I decided to try Monarch based off of a few other comments as well as the very pretty UI — happy to report that this is virtually the same as Mint, which is also popular, but without the constant barrage of ads that you get in Mint. I paid for a year with their current promotion and will be using this to serve as my own financial advisor for some time - please please please never go ad-supported like Mint! The ads and constant promotional pop ups are nauseating.
    more
  • Feb 3, 2021

    By Parker Haile
    Intuitive, doesn't take ages to learn how to use like YNAB, no junk or advertising like Mint, great UI, super reliable. Rules system is super helpful. I've been using the desktop version for a while now and went from worrying about my bills every month to staying on top of them and putting more into savings than I thought was possible.
    more
  • Jan 25, 2021

    By Ayden Gotzmer
    So far so good! The app works seamlessly and I love that I can access and check my budget from my phone. Infinitely easier to check. The notifications are great too - the only thing I wish I could do was activate transaction pushes/notifications for EVERY transaction and not just uncategorized ones.
    more
  • Feb 4, 2021

    By Mike Jones
    Initial impression is that I love it, app is smooth and beautiful to use and provides some great insights. I am using the 14 day free trial right now and am waiting for them to fix their issues with empower 401ks for importing and then I will consider subscribing. 5th star will be added once they fix the one import issue I have.
    more
  • Feb 10, 2021

    By Zak Riggin
    I definitely like this app best so far. But none of the finance apps have been able to correctly sync venmo accounts. A lot will import your cash balance, but none include your credit card balance (monarch doesn't support a venmo account) which actually accounts for a lot of my monthly bills rendering this app and every other budgeting app not as effective for me. Because it can't sync with Venmo I can't justify the $90/year cost. Once they add venmo that syncs credit balance I'll get it for sur
    more
  • Jan 31, 2021

    By Matthew Hubbard
    It has a lot of promise but it really does not do anything special YET and it has some gaps. For instance the budgets for each month dont tie together. Once you role over it will tell you you have x available to budget, and not remove the credit card bill from last months spending from that number. And it's web forecasting abilities (not in app yet) don't add each month to the last, instead just showing the savings for each individual month.
    more
  • Great UI, but missing core features Dec 27, 2020

    By I am Jedi
    First I love the UI and experience. Very easy to see spending by month as well as categorizing transactions. However, I can’t depend on this app yet to have an up to date financial picture. Too many of marquee financial service company connections don’t work. For example Capital One, Charles Schwab to name a couple. What makes this worse is that I can’t manually add transactions nor import CSV/Quicken files. I understand that getting transactions from financial institutions is not easy. However, we need the ability to keep our financial picture up to date when the connections fail. I have a paid subscription and really hope they can either get better financial institutions integration or support manual transactions. I really enjoy using this app but it’s not quite ready to be dependable for my financial picture.
    more
  • Almost there Nov 25, 2020

    By Phuncky
    The app has potential but a few features that I though would be standard aren’t available yet. 2FA is a must for any financial aggregator. Tagging is something else I would like to see. The design is great and hopefully they can add some features to make it truly stand out.
    more
  • I want to love Jan 16, 2021

    By mpls55412
    But 7 of my 9 financial institutions are currently listed on their known connectivity page: Wells, BOA, Fidelity, Vanguard, Cap1, Synchrony, and Amex. Only 1 of my accounts works and that’s Chase. My main credit union is not supported: Alliant Credit Union. So 1 out of 9. Umm. For $80 a year you need to offer syncing capabilities that at a minimum exceed that of your free rivals Mint and PC. Which both have minimal day to day issues syncing all 9 of my accounts. I’m grateful apps like MM and Simplifi are coming into the market to offer choice. But for now, they lack connectivity and refinement that the older apps have. Usually that is ok if we are comparing free apps to free apps. But premium apps such as MM shouldn’t come to the market offering syncing capabilities as limited as they have and anticipate making a name for themselves. Well, a positive name I should say.
    more
  • Feb 14, 2021

    By Matt Rampone
    Endless loading and connecting.
  • Great UI but fails to deliver Feb 14, 2021

    By tsc018
    This app only has basic Plaid integration and found the numerous accounts did not sync properly. Loans were showing as positive values (wouldn’t that be nice?) and account values were not automatically updating daily. The features related to budgeting were great, especially being able to create custom categories.
    more
  • Only has basic Plaid integration. Missing a lot of institutions Nov 25, 2020

    By skinny_much
    Plaid doesn’t have everything. Not close. For example big names like Robinhood, Capital One, Cash.app, crypto apps including Coinbase don’t work. Many smaller names don’t either. Limits use of app.
  • Apr 7, 2021

    By Andrey Smirnov
    The worst service ever, they just charge you for a year by default and ignore after. No transaction sync with fidelity, they don't even think that they could explain something to a customer. Total ignorance.
  • Feb 18, 2021

    By Liara Vontelien
    Meh. Can do more on personal capital... and no monthly fees. Hard pass.
  • Apr 4, 2021

    By ohlookabird
    App just randomly crashes
  • I want to use but can’t, app crashes Jan 24, 2021

    By aPearsonIO
    I want to use this beautiful app but the app crashes when launching for the first time. Doesn’t even get to the login screen before crashing

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