Monarch Money

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.

What Makes Monarch Money Stand Out

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

Pricing and Plans

Monarch Money is a paid product, reflecting its position as a professional tool. Pricing is structured to match the scale and needs of the organizations that use it.

Who Should Use Monarch Money

Monarch Money is best for teams and individuals who need financial planning capabilities and where clean, modern interface that won over many former mint users. It may not be the right fit when no permanently free tier — mint's free model is gone for good.

Verdict

Monarch Money delivers on its core promise as a financial planning tool. Monarch Money is a budgeting and net worth tracking app that gained a large user base as a destinati... For teams evaluating financial planning options, Monarch Money is worth considering based on its specific strengths and how they align with your requirements.

Monarch vs. Mint vs. YNAB

Mint was free, ad-supported, and shut down in 2024 — leaving its users to migrate elsewhere. YNAB emphasizes zero-based budgeting discipline. Monarch Money provides modern budgeting with strong partner account syncing and a better UX than Mint had — the natural migration destination for former Mint users.

Monarch Money Collaboration

Monarch Money supports multiple users on a single account — enabling couples and partners to share financial visibility without sharing credentials or creating separate accounts.

Overall rating: 4.2 / 5

Monarch Money is the personal finance app that replaced Mint as the recommendation for comprehensive household financial visibility — providing budgeting, investment tracking, net worth monitoring, and couple-shared financial management in a single modern interface.

The Mint Successor

When Mint shut down in December 2024, its users needed alternatives. Monarch Money had already been building a reputation as the superior Mint replacement: better design, more capable budgeting, genuine investment portfolio tracking (not just account balances), and the critical differentiator of shared access for partners and spouses with a single subscription covering both.

Couples Financial Management

Monarch Money's collaborative feature for couples is its most differentiated capability — both partners access the same financial picture, see all accounts, and can be designated different roles in managing the budget. This shared financial visibility, with both partners equally informed rather than one partner managing all finances, reduces money conflicts that research consistently links to relationship stress.

Investment Tracking

Monarch Money tracks investment portfolio performance across all connected brokerages — showing allocation, performance, and unrealized gains — going beyond simple balance tracking to actual portfolio analytics. This investment layer distinguishes it from budgeting-only apps like YNAB that have no investment tracking.

Overall rating: 4.3 / 5