Monarch Money

Monarch Money launched as Intuit shut down Mint, quickly becoming the go-to replacement for millions of personal finance users. The platform connects to 11,000+ financial institutions to give you a complete picture of your financial life in one place.

## What Monarch Does

Monarch pulls all your accounts — checking, savings, credit cards, investments, loans, mortgages — into a unified dashboard. Transactions are automatically categorized, and the platform builds a real-time picture of your cash flow, budget adherence, and net worth.

## AI Budgeting Features

Unlike static budget apps, Monarch uses your transaction history to suggest realistic budget amounts for each category. The AI detects irregular expenses (annual subscriptions, quarterly bills) and smooths them in projections. It flags when you're trending over budget before the month ends rather than after.

## Net Worth and Investment Tracking

Monarch integrates with brokerage accounts and 401(k)s to give you a net worth view that updates automatically. Investment performance, allocation, and account balances roll up alongside your day-to-day finances — something Mint never offered well.

## Collaborative Finance

Monarch supports shared households and couples — multiple users can view and edit the same financial picture. Conversations, notes, and custom categories are shared, making it the best option for partners managing finances together.

## Pricing

Monarch costs $14.99/month or $99.99/year. There's no free tier, but a 7-day free trial is available.