Our verdict
Monarch Money
4.4 4.4 out of 5- Best for
- Couples and households who want a comprehensive Mint replacement
- Fees
- $14.99/mo or $99.99/yr · 7-day free trial · no free tier
This Monarch Money review covers whether it deserves its reputation as the best Mint replacement. After Mint shut down, Monarch became the app most people switched to — and for good reason: it’s a polished, comprehensive dashboard for budgeting, investments, and net worth, with genuinely good features for couples. The main catch is that there’s no free tier.
Our take
Monarch does the “see all your money in one place” job better than almost anyone. Accounts aggregate cleanly, the flexible budgeting (“flex” budget) is forgiving rather than rigid, and the investment and net-worth tracking is a real step up from most budgeting apps. Because it’s funded by subscriptions — not ads or selling your data — the experience is clean. Where it really separates itself is household sharing: partners get a true shared view, which Mint never did well.
Who it’s best for
Monarch is ideal for couples and households who want one comprehensive picture of spending, investments, and goals — and are willing to pay for a no-ads experience. If you want aggressive, habit-changing budgeting, YNAB is more disciplined; if you mainly want to cut subscriptions for free, Rocket Money fits better.
Pricing & fees
Monarch is $14.99/month or $99.99/year, with a 7-day free trial and no free tier. Discounts (often 50% off the first year) are common, so check for a current promo. Pricing is current as of mid-2026 — confirm at monarchmoney.com.
Features that stand out
- Account aggregation across banks, cards, loans, and investments
- Flexible budgeting that rolls with real life
- Investment + net-worth tracking and goals
- Excellent partner/household sharing
- Customizable dashboards, automation rules, and no ads
How it compares
Against YNAB, Monarch is better for tracking, forecasting, and couples, but less forceful about changing spending habits. Against Rocket Money, Monarch is a far stronger all-in-one finance hub but has no free tier and won’t cancel subscriptions for you.
Bottom line
If you want one polished place to manage household finances and investments — and you’ll use it — Monarch is worth the subscription, especially with a first-year discount. Want to budget for free first? Start with our 50/30/20 budget calculator and Banking guides.
Pros
- Polished, comprehensive dashboard — budgeting, investments, and net worth in one place
- Excellent for couples and households (a true shared view)
- Strong investment and net-worth tracking
- Subscription-funded, so no ads and no selling your data
Cons
- No free tier — subscription only
- Pricier than some budgeting apps
- Occasional account-sync hiccups (via Plaid)
Alternatives to consider
YNAB
More proactive, habit-changing zero-based budgeting.
Rocket Money
Free tier plus subscription cancellation.
Frequently asked questions
Is Monarch Money free?
Is Monarch a good Mint replacement?
Is Monarch Money worth it?
Is Monarch Money safe?
Sources
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