Monarch Money Pricing 2026

Monarch Money costs $14.99/month or $99/year ($8.25/month). They offer a 7-day free trial. Monarch became one of the most popular Mint replacements after Mint shut down in January 2024.

Monarch Money Pricing Breakdown

What's Included in Monarch Money?

• Automated Bank Sync — Connects via Plaid and other providers to 10,000+ institutions
• Budgets — Flexible budgeting with rollover option
• Net Worth Tracking — Assets, liabilities, investments, real estate
• Goal Tracking — Savings goals with progress visualization
• Household Sharing — Up to 2 users, great for couples
• Reports — Spending trends, income vs expenses, category breakdowns
• Web + Mobile — iOS, Android, and full web app

Monarch Money vs SheetLink Pricing

Is Monarch Money Worth $99/Year?

Monarch Money is worth it if you:

• Want a polished all-in-one finance app with budgets, net worth, and goals
• Are tracking finances with a partner and need household sharing
• Prefer automatic daily syncing across all devices
• Switched from Mint and want a similar experience

SheetLink is a better choice if you:

• Want to save 60% ($4.99/mo vs $14.99/mo, or $39.99/year vs $99/year)
• Already use Google Sheets or Excel for your finances
• Need a free tier that never expires (last 7 days, no credit card)
• Want full control over your data layout and formulas
• Value privacy-first manual sync over automatic background access

Monarch Money Alternatives

• SheetLink — Free / $4.99/mo, Google Sheets + Excel, privacy-first
• YNAB — $14.99/mo ($109/yr), zero-based budgeting methodology
• Copilot — $8.33/mo ($99/yr), iOS/Mac only, beautiful design
• PocketGuard — Free / $6.25/mo ($74.99/yr), simple spending view
• Tiller Money — $6.58/mo ($79/yr), Google Sheets + Excel