Monarch is an all-in-one personal finance app for tracking spending, budgeting, investments, net worth, and financial goals. It connects your accounts in one place and helps you manage your money with customizable reports and planning tools.

• All-in-one financial tracking: Connect bank accounts, credit cards, loans, investments, and real estate to view your finances in one place.
• Flexible budgeting: Choose between Flex Budgeting and Category Budgeting to manage spending in a way that fits your finances.
• Net worth tracking: Track assets, liabilities, and net worth over time with customizable views and reports.
• Investment tracking: Monitor stocks, ETFs, mutual funds, 401(k)s, crypto, portfolio allocation, and investment performance.
• Recurring bills and subscriptions: Automatically detect recurring transactions and view upcoming bills and subscriptions in a calendar or list.
• Custom reports: Analyze spending, income, cash flow, and net worth using customizable charts and reports.
• Financial goals: Set savings targets, assign accounts to goals, track progress, and plan contributions for major expenses.
• Shared finances: Invite a partner or financial professional to collaborate on budgets, accounts, and financial goals at no extra cost.
• Customizable dashboard: Arrange widgets for net worth, transactions, investments, and cash flow so the information you use most is easy to find.
• Wide financial connectivity: Connect accounts from more than 13,000 financial institutions through multiple data providers.

• All-in-one financial view: Brings bank accounts, credit cards, loans, investments, and real estate into one dashboard.
• Flexible budgeting: Supports both Flex Budgeting and Category Budgeting, letting users choose how they want to manage spending.
• Strong financial planning: Users can track savings and debt goals, monitor cash flow, and plan for future expenses.
• Investment tracking: Provides investment performance, diversification, and asset allocation tracking, with deeper analysis available on Plus.
• Useful household features: Partners can share a financial view at no extra cost, while professionals can receive read-only access.
• Ad-free experience: Monarch uses subscriptions rather than ads or selling financial data to advertisers.
• AI-powered tools: AI Assistant, AI Insights, and Weekly Recap can help users understand their financial activity and find information faster.
• Multiple device support: Available across web, iOS, Android, and iPad.

• No free plan: Monarch only offers paid subscriptions, with a 7-day free trial.
• Some features require Plus: Retirement forecasting, business income tracking, tax-prep exports, and advanced investment analysis are limited to the Plus plan.
• Initial setup takes time: Users need to connect accounts, review transaction categories, and configure their budget before getting the most from the platform.

• Personal budgeting: Track income and spending, create monthly budgets, and receive alerts when - spending approaches limits.
• Couples and households: Share accounts, budgets, transactions, and financial goals with a partner in one workspace.
• Net worth tracking: Combine assets and liabilities to monitor changes in overall net worth over time.
• Investment management: Track investment performance and diversification, with more detailed analysis available through Plus.
• Savings and debt goals: Set targets for vacations, home purchases, emergency funds, or debt repayment and track progress.
• Business and side income: Plus users can separate business income and expenses and create P&L and tax-preparation reports.
• Financial planning: Users with more complex finances can use Plus forecasting tools to model retirement, income changes, home projects, and other financial decisions.