Monarch Money Review 2026: Is It Still the Best Budgeting App?

No sponsors, but I may earn a commission if you sign up through my affiliate link so I'm including #ad as a notice. Promos and discounts are included Monarch 50% off + 7 day free trial: https://guidestoprosper.com/monarch26 Monarch Money costs $99 a year — but is it actually worth paying for? In this Monarch Money review, I put the budgeting app through a series of tests to find out whether it can actually save you more money than it costs. I compare Monarch across six categories: ease of use, budgeting, reporting, collaboration, setup, and value. I also look at real user experiences from Reddit and app store reviews to see whether Monarch lives up to its reputation as one of the best budgeting apps available. By the end, you'll know whether Monarch Money is worth $99/year for you — or whether your money would be better spent elsewhere. Chapters 00:00 Monarch Money Review: Is It Worth $99? 00:38 What Monarch Money Does 1:50 Ease of Use 05:03 Budgeting Features 07:05 Debt Pay Off 08:09 Financial Reporting & Net Worth 11:12 New Features 12:20 Couples & Collaboration 13:59 How to Set Up Monarch 16:36 Monarch Money Worth $99/Year? 19:26 Final Verdict What I cover • Monarch Money pricing and whether it's worth $99/year • Monarch's budgeting system and category rules • Automatic bank syncing and transaction categorization • Spending reports and cash-flow visualization • Net worth tracking • Monarch Money for couples and families • How difficult Monarch is to set up • Monarch vs. YNAB and other budgeting apps • Whether Monarch can actually save you money • Who should — and shouldn't — pay for Monarch Money I tested Monarch against its biggest competitors and researched real user experiences to determine whether the $99 annual subscription makes financial sense. If you're considering Monarch Money, this review should help you decide before you pay. #MonarchMoney #BudgetingApps #PersonalFinance Disclaimer: I’m also not a lawyer, accountant, financial advisor or any other position requiring a license. I’m just here to help you make informed decisions! Some links may be affiliate links and I may get a commission to support my channel.