Monarch Money pricing breakdown
| Plan | Price | Details |
|---|---|---|
| Free trial | $0 for 7 days | Full access, no credit card required |
| Monthly | $14.99/month | Cancel anytime |
| Annual (Core) | $99.99/year ($8.33/mo) | $79.89 less than paying monthly for a year |
| Plus | $199.99/year | Monarch’s higher tier |
What’s included in Monarch Money
- Automatic bank and investment sync
- Budgeting and spending categories
- Net worth tracking
- Investment portfolio overview
- Customizable financial goals
- Web, iOS and Android apps
- Collaborative accounts for couples
- 7-day free trial
Monarch Money vs SheetLink pricing
| Feature | Monarch Money | SheetLink |
|---|---|---|
| Monthly price | $14.99/mo | Free or $4.99/mo |
| Annual price | $99.99/year | $39.99/year |
| Free tier | 7-day trial only | 1 bank, last 7 days, never expires |
| Bank sync | Automatic (daily) | Manual: press Sync now |
| Platform | Web, iOS and Android | Google Sheets and Excel |
| Spreadsheet export | Manual CSV download | Native: it is a spreadsheet |
| Customization | Limited | Fully customizable |
See the full Monarch Money comparison ›
Is Monarch Money worth $99.99/year?
Monarch Money is worth it if you…
- Want a polished all-in-one dashboard
- Track investments alongside spending
- Manage finances with a partner
- Prefer a guided budgeting experience
- Don’t mind paying $99.99/year
SheetLink is better if you…
- Want to save 60% ($39.99/yr vs $99.99/yr)
- Already use Google Sheets or Excel
- Prefer your own budgeting system
- Need a free tier with no expiry
- Want privacy-first manual sync
Questions
How much does Monarch Money cost in 2026?
Monarch Money costs $14.99/month or $99.99/year for its Core plan; Plus is $199.99/year. It only offers a 7-day free trial.
Did Monarch Money raise its prices?
Monarch Money’s pricing has increased since launch. It now costs $99.99/year with a short 7-day trial.
Is Monarch Money worth it?
Monarch Money is a polished budgeting app but costs $99.99/year with no free tier after the trial. If you prefer spreadsheets, SheetLink syncs transactions to Google Sheets or Excel for $39.99 a year (Pro), and there’s a free plan for one bank and your last 7 days.
What is cheaper than Monarch Money?
SheetLink Pro is $39.99 a year, against Monarch’s $99.99, and there’s a free plan for one bank and your last 7 days of transactions.