Monarch Money Pricing 2026
Monarch Money costs $14.99/month or $99/year. There's a 7-day free trial but no permanent free tier. Here's how it compares to SheetLink.
Monarch Money
$14.99/mo
or $99/yr · 7-day trial
- ✓ Personal finance dashboard
- ✓ Investment tracking
- ✗ No free tier after trial
- ✗ No spreadsheet export
SheetLink
65% cheaper$4.99/mo
or $39.99/year · free tier forever
- ✓ Budget your own way
- ✓ Google Sheets + Excel
- ✓ Free tier — no expiry
- ✓ Plaid bank sync
Sync bank transactions directly into Excel — no CSV exports.
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 | $99/year ($8.25/mo) | Save ~2 months vs monthly |
What's Included in Monarch Money
- ✓Automatic bank and investment sync
- ✓Budgeting and spending categories
- ✓Net worth tracking
- ✓Investment portfolio overview
- ✓Customizable financial goals
- ✓iOS and Android mobile 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/year | $39.99/year |
| Free tier | 7-day trial only | Last 7 days forever |
| Bank sync | Automatic (daily) | Manual click (privacy-first) |
| Platform | Custom app + mobile | Google Sheets + Excel |
| Spreadsheet export | Not available | Native — it is a spreadsheet |
| Customization | Limited | Fully customizable |
Is Monarch Money Worth $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/year
SheetLink is better if you…
- ✓Want to save 65% ($39.99/yr vs $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
Frequently Asked Questions
How much does Monarch Money cost in 2026?
Monarch Money costs $14.99/month or $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/year with a short 7-day trial.
Is Monarch Money worth it?
Monarch Money is a polished budgeting app but costs $99/year with no free tier after the trial. If you prefer spreadsheets, SheetLink syncs transactions to Google Sheets or Excel for $39.99/year with a free tier.
What is cheaper than Monarch Money?
SheetLink is $39.99/year vs Monarch's $99/year — and includes a free tier with 7 days of transaction history.
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Pay 65% less than Monarch Money
SheetLink syncs your real bank transactions to Google Sheets or Excel via Plaid. Free forever for 7 days of history. Pro is $4.99/mo — less than a third of Monarch's price.