Monarch Money prices in 2026
| Plan | Price | Details |
|---|---|---|
| Free trial | $0 for 7 days | Full access to Core for your first week |
| Core, monthly | $14.99 a month | Cancel anytime |
| Core, annual | $99.99 a year ($8.33 a month) | $79.89 less than paying monthly for a year |
| Core, first year with code WELCOME | $69.99 | 30% off, new members, annual Core only |
| Plus | About $199 a year | Annual only. Adds forecasting, business tracking and more |
Core’s prices and the WELCOME code are from Monarch’s pricing page, checked October 7, 2026. Monarch doesn’t list Plus’s price there; about $199 a year is what 2026 reviews report. Monarch also offers a money-back guarantee.
Core vs Plus: what Plus adds
Core is the plan most people need: bank and card transactions, budgets, investments, net worth and goals, on the web, iOS and Android, shared with a partner at no extra cost. Plus, about twice the price, adds four things:
- Forecasting: your net worth and cash flow projected forward, with life events like retirement or a new home
- Business tracking: keep a consulting business, an Etsy shop or a rental property separate from your personal money
- Deeper investment analysis: gains and losses, and what your funds hold
- Estate planning: a will through Trust & Will, included
If you don’t need forecasting or a separate business ledger, Core is the better buy.
How to pay less for Monarch
- Pay yearly: $99.99 instead of $179.88 for twelve months
- Use code WELCOME in your first year: 30% off annual Core, $69.99
- Use the 7-day trial to check that it connects to all your banks before you pay
- Monarch offers a money-back guarantee if it isn’t for you
There’s no free plan once the trial ends. If you want a free way to track spending, SheetLink’s free plan syncs one bank into a Google Sheet you choose, and our free budget templates work by hand or with SheetLink.
Monarch vs other budgeting apps: what each costs
| App | Monthly | Yearly | Free plan |
|---|---|---|---|
| Monarch Money (Core) | $14.99 | $99.99 | No (7-day trial) |
| YNAB | $14.99 | $109 | No (34-day trial) |
| Copilot | $13 | $95 | No (1-month trial) |
| Rocket Money | $7 to $14 (Premium, you choose) | Not listed | Yes, limited |
| Tiller | No monthly plan | $99 | No (30-day trial) |
| SheetLink Pro | $4.99 | $39.99 | Yes: one bank, last 7 days |
Monarch Money vs SheetLink
| Feature | Monarch Money | SheetLink |
|---|---|---|
| Price | $14.99 a month or $99.99 a year | Free, or Pro at $4.99 a month or $39.99 a year |
| Free plan | No, a 7-day trial | One bank and your last 7 days, with no end date |
| Where your money lives | Monarch’s web and mobile apps | Your own Google Sheet or Excel workbook |
| Bank sync | Runs in the background | When you press Sync now; new rows land at the end of your sheet |
| Spreadsheet export | CSV download | It is a spreadsheet |
| Your own budget layout | Monarch’s categories and screens | Any formula, chart or template |
See the full Monarch Money comparison ›
Is Monarch worth $100 a year?
Monarch Money is worth it if you…
- Want a polished all-in-one dashboard
- Track investments alongside spending
- Manage money with a partner
- Prefer a guided budgeting app to building your own
SheetLink is the better fit if you…
- Want to spend 60% less ($39.99 a year against $99.99)
- Already budget in Google Sheets or Excel
- Want your transactions in a file you own
- Need a free plan that doesn’t expire
Questions
How much does Monarch Money cost in 2026?
Monarch Money costs $14.99 a month or $99.99 a year (about $8.33 a month) for Core, its main plan. Monarch Plus, which adds forecasting and business tracking, is about $199 a year. New members can take 30% off the first annual year with the code WELCOME.
Is Monarch worth $100 a year?
It is if you want a polished app that tracks spending, investments and net worth in one place, especially with a partner. If you would rather keep your money in a spreadsheet you control, SheetLink puts your bank transactions in Google Sheets or Excel for $39.99 a year, and its free plan covers one bank.
How can I get Monarch Money for free?
Only for a week: Monarch has a 7-day free trial and no free plan. The cheapest way to keep it is the annual Core plan with the WELCOME code, $69.99 for the first year. Free alternatives include SheetLink’s free plan (one bank, your last 7 days, in Google Sheets) and free budget templates.
How much is Monarch Money per month?
$14.99 a month on the monthly plan. On the annual plan it works out to about $8.33 a month ($99.99 a year), which is $79.89 less than twelve monthly payments.
What is the difference between Monarch Core and Plus?
Core covers budgeting, transactions, investments and net worth. Plus, about $199 a year, adds forecasting of your net worth and cash flow, separate tracking for a business or rental property, deeper investment analysis, and a will through Trust & Will.
Is there a free alternative to Monarch Money?
Yes. SheetLink’s free plan syncs one bank’s last 7 days of transactions into a Google Sheet you choose, and our free budget templates work by hand or with SheetLink. Pro, at $39.99 a year, adds every bank, up to 2 years of history, and Excel.
Is Copilot cheaper than Monarch?
Slightly: Copilot is $95 a year against Monarch’s $99.99, or $13 a month against $14.99. Copilot runs on iPhone, Mac and the web but not Android; Monarch runs on the web, iOS and Android.