Monarch Money Pricing 2026
Complete breakdown of Monarch Money plans, costs, and what's included. Plans start at $14.99/mo.
All Monarch Money Plans & Pricing
Choose the right plan for your needs. All prices are billed monthly.
Core_monthly
- ✓ Full feature access
- ✓ Priority support
- ✓ Advanced integrations
- ✓ Team collaboration
- ✓ Custom configurations
Core_annual
- ✓ Full feature access
- ✓ Priority support
- ✓ Advanced integrations
- ✓ Team collaboration
- ✓ Custom configurations
Plus_annual
- ✓ Full feature access
- ✓ Priority support
- ✓ Advanced integrations
- ✓ Team collaboration
- ✓ Custom configurations
All Monarch Money paid plans are billed subscription. Annual billing typically saves 15-20%.
Monarch Money Plan Comparison
See what's included in each plan at a glance.
| Feature | Core_monthly | Core_annual | Plus_annual |
|---|---|---|---|
| Price | $99.99/mo | $99.99/mo | $99.99/mo |
| Storage | 100 GB | 100 GB | 100 GB |
| Team Members | Up to 50 | Up to 50 | Up to 50 |
| Integrations | Advanced | Advanced | Advanced |
| Support | Priority | Priority | Priority |
| Analytics | Advanced | Advanced | Advanced |
| Custom Branding | ✓ | ✓ | ✓ |
| API Access | Full | Full | Full |
| SSO / SAML | ✗ | ✗ | ✗ |
How to Save on Monarch Money
Choose Annual Billing
Save 15-20% by switching from monthly to annual billing. Most Monarch Money plans offer this discount.
Student & Education Discounts
Students, teachers, and educational institutions may qualify for special pricing or extended free plans.
Startup Programs
Early-stage startups can often access premium features at reduced rates through partner programs.
Monarch Money vs Competitors: Price Comparison
How does Monarch Money pricing stack up against similar tools?
Monarch Money
This tool
YNAB
QuickBooks Online
Xero
Mint
Monarch Money Pricing FAQ
Common questions about Monarch Money costs, plans, and billing.
Is Monarch Money free?
Monarch Money does not offer a permanently free plan. However, most plans include a free trial period so you can test the platform before committing. Paid plans start at $14.99/month.
How much does Monarch Money cost per user?
Monarch Money uses a subscription pricing model. The Core_monthly plan is $14.99/month. The Core_annual plan is $99.99/month. The Plus_annual plan is $199/month.
Does Monarch Money offer a free trial?
Most Monarch Money paid plans include a free trial period (typically 7-14 days) so you can explore premium features before committing. Check the Monarch Money website for current trial offers and terms.
What is the cheapest Monarch Money plan?
The most affordable Monarch Money plan is Core_monthly at $14.99/month. Annual billing can save you 15-20%.
Is Monarch Money worth the price?
Monarch Money is rated 4.7/5 by users. It's best for couples, families, investors. Key strengths include beautiful modern interface and great for couples. Most plans include a free trial. Compare with alternatives like YNAB and QuickBooks Online to ensure the best fit.
Does Monarch Money offer discounts for annual billing?
Yes, most SaaS tools including Monarch Money offer significant discounts (typically 15-20% off) when you choose annual billing instead of monthly. Student, nonprofit, and startup discounts may also be available — check the Monarch Money pricing page for current offers.
Ready to get started with Monarch Money?
Start your free trial of Monarch Money and see if it fits your workflow.