Monarch Money
A modern budgeting and net worth tracker built as a Mint replacement.
Monarch Money Referral Code & Link
No referral code or link is currently available for Monarch Money.
Quick Summary
Monarch Money is a budgeting and net worth tracking app that gained a large user base as a destination for people migrating off Mint after its shutdown, combining account aggregation, budgeting, and investment tracking in one subscription.
Monarch Money at a Glance
| Category | Budgeting Apps |
|---|---|
| Pricing model | Paid |
| Starting price | $14.99 /month |
| Platforms | Web, iOS, Android |
| Launched | 2021 |
| Headquarters | San Francisco, California, USA |
| Best for | A modern budgeting and net worth tracker built as a Mint replacement. |
| Community votes | 156 |
Pros
- Clean, modern interface that won over many former Mint users
- Combines budgeting, account aggregation, and net worth/investment tracking in one app
- Shared household budgeting features work well for couples
- Free trial available before committing to a subscription
Cons
- No permanently free tier — Mint's free model is gone for good
- Bank syncing occasionally has connection issues depending on your financial institutions
- Newer company than established competitors, with a shorter track record
Monarch Money Pricing Plans
Official pricing as published by Monarch Money. Verify current rates before purchasing.
Monarch Money’s timing — launching as a polished alternative right as Mint was winding down — helped it absorb a large share of users suddenly needing a new home for their financial data.
Referral & Discount Notes
Monarch Money offers a free trial and a referral program with free months for both parties — check the referral box on this page for the current offer.
Who Should Use Monarch Money
Former Mint users and anyone wanting combined budgeting, account aggregation, and net worth tracking in one modern app.
Expert Verdict
Monarch Money is a strong, modern budgeting choice especially for ex-Mint users; the annual plan offers meaningfully better value than paying monthly.
Best Alternatives to Monarch Money
1 alternatives listed. Looking for a Monarch Money alternative? Here are the top options our community recommends, ranked by popularity and editorial score.
Quick comparison: Monarch Money vs YNAB
| Feature | Monarch Money | YNAB |
|---|---|---|
| Pricing | Paid | Paid |
| Platforms | Web, iOS, Android | Web, iOS, Android |
| Community votes | 156 | 187 |
A zero-based budgeting app built around assigning every dollar a job.
Frequently Asked Questions
Common questions about Monarch Money, answered by our editorial team.
- Does Monarch Money have a referral code or discount?
- Yes — Monarch Money runs a referral program offering free months for both the referrer and new sign-ups, plus a discounted annual plan versus paying monthly. Check the referral box on this page for the current offer.
- Is Monarch Money a good Mint replacement?
- It's one of the most popular destinations for former Mint users, offering similar account aggregation plus budgeting in a more modern interface, though it requires a subscription unlike Mint's free model.
- Is there a free trial?
- Yes, Monarch Money typically offers a free trial period to test the app before subscribing — check their site for the current trial length.
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