Monarch Money has become the most popular destination for ex-Mint users, but its subscription-only model leaves a lot of people asking one question: what does it actually cost? This guide breaks down every Monarch Money plan in 2026 so you know exactly what you’re paying for.
Unlike free apps that monetize your data, Monarch charges a flat subscription and keeps your finances private. That trade-off is the whole pricing story — so let’s see whether it’s worth it.
Monarch Money Pricing Overview (2026)
| Plan | Price | Best For |
|---|---|---|
| Free Trial | $0 for 7 days | Testing the full app before paying |
| Core (Annual) | $99.99/year (~$8.33/mo) | Most individuals and couples |
| Core (Monthly) | $14.99/month | Short-term or seasonal users |
| Monarch Plus | $199/year | Power users wanting advanced investing tools |
There is no permanent free tier — Monarch is subscription-only after the 7-day trial.
The 7-Day Free Trial
Every new account starts with a 7-day free trial of the Core plan. You get the complete experience: account syncing, budgeting, goals, and investment tracking. No features are locked behind a higher tier during the trial, so it’s a genuine way to test the app before committing.
New users can also stack the MONARCHVIP promo code for 50% off the first year, dropping Core to roughly $50 for year one.
Core Plan ($99.99/year or $14.99/month)
The Core plan is where almost everyone lands. It includes:
- Unlimited account connections (banks, credit cards, loans, investments)
- Flexible budgeting with rollover categories
- Goal tracking for savings, debt payoff, and big purchases
- Net worth and investment tracking
- Collaborative access for a partner at no extra cost
The annual plan ($99.99) is the obvious choice — paying monthly ($14.99) costs about $180/year, a 44% premium for the same features.
Monarch Plus ($199/year)
Monarch Plus is the newer premium tier aimed at investors and high-net-worth households. It layers advanced portfolio analytics, deeper investment reporting, and priority support on top of everything in Core. For most budgeters, Core is plenty — Plus only pays off if you’re actively managing a complex portfolio.
How Monarch Compares on Price
| Tool | Annual Price | Free Tier |
|---|---|---|
| Monarch Money | $99.99/yr | Trial only |
| YNAB | $109/yr | Trial only |
| Copilot Money | $95/yr | Trial only |
| Mint | Discontinued | — |
Monarch sits right in the middle of the premium budgeting pack — cheaper than YNAB, slightly more than Copilot, and far more full-featured than the free apps that replaced Mint.
Is Monarch Money Worth the Price?
If you want a private, ad-free app that handles budgeting, net worth, and couples’ finances in one place, $99.99/year is reasonable — it works out to under $9/month on the annual plan. Budget-style spenders who only need envelope budgeting may prefer YNAB, and anyone wanting free options should read our best budgeting apps guide.
For the full feature walkthrough, see our Monarch Money review for 2026.
Verdict
Monarch’s pricing is straightforward: one tier covers nearly everyone at $99.99/year, with a Plus option for serious investors. The lack of a free tier is the only real downside, but the 7-day trial plus the MONARCHVIP discount make it low-risk to try.
Compare Monarch against the top alternatives in our best YNAB alternatives roundup before you commit.
Frequently Asked Questions
Is Monarch Money free?
No. Monarch offers a 7-day free trial, but there is no permanent free plan — it costs $99.99/year or $14.99/month after the trial.
What is the cheapest Monarch Money plan?
The Core annual plan at $99.99/year is the cheapest, working out to about $8.33/month. The MONARCHVIP code cuts the first year roughly in half.
Is Monarch Plus worth it?
Only for active investors who need advanced portfolio analytics. Most users get everything they need from the Core plan.