Monarch: Budget & Track Money

66 of 100 · reviews
4.9of 5 · store
96,701ratings on the App Store
500reviews read

An editorial reading of the saved reviews

Monarch is one of the few tools where everything works together: multi-bank account sync, category budgets, net worth tracking, and shared access for couples. Users genuinely change their financial behavior. The main weakness: account sync via Plaid sometimes breaks and requires manual intervention.

Screenshots

What people use it for

Couples and families who want to manage a shared budget and see a complete picture of all accounts in one place. Best for those willing to invest time in initial setup.

What reviews praise

A single screen with all accounts, loans, and investments gives a real picture of net worth.
The category budget with a running monthly total is accurate and updates without delay.
Shared access for couples without complex setup. a rare feature among competitors.

What reviews complain about

Bank sync via Plaid periodically breaks, and several days of transactions disappear or duplicate without warning.
Auto-categorization makes mistakes and requires constant manual correction.
The mobile app lags behind the web version in features.
Some operations are only available on desktop.

What users experience

1 excerpt from the breakdown. These are individual cases, not a verdict on all users.

I started using Monarch in January. I didn't use every feature, but I did use the budget and the goals feature. I just wanted to make sure I understood what was going in and coming out of my account. It worked great for me. It helped me feel more in control.

Mentioned for these jobs

One partner keeps the budget, the other wants to know one figure and not to fight about money.Couples who run a shared budget in different ways