---
title: "Monarch: Budget & Track Money - Отзывы, Доход и Загрузки приложения in Соединенные Штаты | Apple App Store"
description: "Consider Monarch your home base for money clarity. Simplify your finances by bringing all your accounts into one easy view, have confidence in always knowing where your money is and where it's going, "
---

# Monarch: Budget & Track Money — Соединенные Штаты
> Spending, Net Worth, Investing

![Monarch App Icon](https://is1-ssl.mzstatic.com/image/thumb/Purple211/v4/e9/bf/6d/e9bf6dd6-5250-5575-7142-f122fbf2fceb/AppIcon-Default-0-0-1x_U007epad-0-1-85-220.png/434x0w.png)

**Developer:** [Monarch Money](https://apptail.io/ru/developer/monarch-money-IwOd) (Соединенные Штаты)
**Category:** Finance
**Rating:** 4.9/5 (94,310 ratings)
**Price:** Free
**Bundle ID:** com.monarchmoney.mobile
**Store:** Apple App Store
**Country:** Соединенные Штаты
**Version:** 2.0.98 (released 2026-06-03)
**Original Release:** 2020-11-18
**Languages:** English

**App Store Link:** [Download on Apple App Store](https://apps.apple.com/us/app/app/id1459319842)
**AppTail Page:** [https://apptail.io/ru/app/monarch-budget-track-money-Phqb/united-states](https://apptail.io/ru/app/monarch-budget-track-money-Phqb/united-states)

## Monarch Description
Consider Monarch your home base for money clarity. Simplify your finances by bringing all your accounts into one easy view, have confidence in always knowing where your money is and where it's going, and collaborate with your partner or financial professional to track, budget, and reach goals together.

Monarch has been recognized by the Wall Street Journal as the “Best Budgeting App,” by Forbes as the “Best Mint Replacement” and by Motley Fool as the “Best Budgeting App for Couples and Families.”

Getting started is simple. Connect your accounts and Monarch will auto-categorize your finances, giving you actionable insights in minutes. Customize your dashboard to give you the information you need at a glance, including your net worth, recent transactions, how you’re tracking toward your budget, investment performance, and upcoming expenses. 

Monarch makes it easy to take steps today to build toward your long term plans, all in one simple and collaborative financial tool.

Track
- Connect your accounts and see everything in one place so you can get a clear view of how your money is moving and track progress on your net worth.
- Always know what’s around the corner with subscriptions and bills tracked in one easy calendar or list view and notifications so you don’t miss a payment.
- Keep an eye on subscriptions so you can cancel what you no longer need.
- Sync with your credit cards and loans and Monarch will provide statement balances and minimum payment due.
- Search for any transaction, across all of your accounts - no shuffling between apps to find charges or refunds.
- View and customize reports for quick insights on your spending across groups and categories and trends over time.

Budget
- Monarch offers two ways to budget - Flex Budgeting or Category Budgeting - so you can choose to have the structure or flexibility you need and make budgeting feel easy.
- Get a quick view of your budget progress with visual progress bars and a dashboard widget.
- Customize your groups and categories, emojis, and your notifications to keep you on track.

Collaborate
- Add your partner or other household members and team up on your finances, whether you choose to have joint bank accounts or not. All at no extra cost.
- Invite your advisor, financial coach, tax professional or estate planning attorney so they can give you accurate advice with little effort required of you.

Plan
- Create and track progress toward your medium and long term goals.
- Set up contributions toward your goals within your monthly budget, and watch your savings compound over time.

A Membership With You in Mind

Our focus is on building a product that can transform your relationship to money, bringing clarity and confidence to your financial life. As a Monarch member, you’ll get access to all the new features we build and have the opportunity to vote on and provide feedback for new features on our roadmap. We build with the feedback from our community in mind. 

No Ads

Monarch is not supported by advertisers and is designed with the sole purpose of making it easy and intuitive for you to manage your finances. That means we will never interrupt your experience with ads or try to sell you another financial product you don’t need.

Private and Secure

Monarch uses bank-level security, and we never store any of your financial credentials. Our platform is read-only, so there is no risk of your money moving. We take your privacy seriously and will never sell your personal or financial information to third parties.

MEMBERSHIP DETAILS

Monarch is free to try for 7 days. After your trial period, a membership fee will be billed either monthly or annually, depending on which plan you select.

Privacy Policy: 

Terms of Use: 

## Monarch Screenshots
- [Screenshot 1](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/cf/a8/19/cfa81966-4033-111e-d51a-567ca0ba8865/Frame_1400002678.jpg/1242x2688.png)
- [Screenshot 2](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e8/70/19/e8701914-28f5-d8bd-defe-97d413773579/Frame_1400002680.jpg/1242x2688.png)
- [Screenshot 3](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/79/de/d7/79ded76e-4972-c58b-1a20-f0777add30b3/Frame_1400002681.jpg/1242x2688.png)
- [Screenshot 4](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/1d/fb/68/1dfb68ee-6696-70e6-e9b4-287ef3c2b4d8/Frame_1400002682.jpg/1242x2688.png)
- [Screenshot 5](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/c9/92/9c/c9929c54-2d87-a396-155b-7bc37f37d1ef/Frame_1400002683.jpg/1242x2688.png)
- [Screenshot 6](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/af/a7/ab/afa7abe5-b192-4cff-475e-4d4713348b28/Frame_1400002684.jpg/1242x2688.png)
- [Screenshot 7](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/e0/3f/d4/e03fd46a-277a-86b8-3e31-544db54b7296/updated_Goals_UI_-_March__U002726.jpg/1242x2688.png)
- [Screenshot 8](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/b9/32/5d/b9325d72-f34d-6f91-f8dc-1281efdc9540/Frame_1400002692.jpg/1242x2688.png)
- [Screenshot 9](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource221/v4/54/4c/a8/544ca8ee-5639-55a4-d94a-c41457e9358f/Frame_1400002685.jpg/1242x2688.png)
- [Screenshot 10](https://is1-ssl.mzstatic.com/image/thumb/PurpleSource211/v4/45/d3/79/45d37971-4059-d974-4fba-1aaa7aa7903e/Frame_1400002686.jpg/1242x2688.png)

## Monarch Rating Breakdown in Соединенные Штаты
- 5 stars: 86,667 (92%)
- 4 stars: 6,205 (7%)
- 3 stars: 631 (1%)
- 2 stars: 230 (0%)
- 1 stars: 577 (1%)

## Monarch Reviews in Соединенные Штаты

### ***** "Great for couples or households with many accounts"
My wife and I use Monarch to manage expenses, track savings and investments across multiple accounts. Since we do not combine accounts, monarch allows for both us to have a consolidated view of our household finances.
-- Stewyiann, 2026-06-08

### ***** "Fantastic tool"
After Mint went under I tried a number of personal finance tools before finally settling on Monarch. 

Since then they’ve gotten better and better, adding features and tools and now integrating AI to become not just an accounting tool, but an investment tracking and life planning tool.

The annual fee is well well worth it.
-- Pwhosis, 2026-06-08

### ***** "Awesome"
So easy to use right from the start. I have paid more for other apps and never learned to use them. Highly recommend this app!!! And I’m old.
-- Jenny60plus, 2026-06-08

### ***** "Thanks for Making it Easy"
I kept telling myself that I needed to create a budget, but I just couldn’t get started. My daughter told me about Monarch and encouraged me to give it a try. Monarch wasn’t overwhelming and walked me through each step. I’m happy to share that I now have a budget! Thanks, Monarch!
-- Tribbster, 2026-06-08

### ***** "Great"
At first, there were a few glitches to work out with getting bank accounts synced and everything but eventually i worked out all the kinks and I have been really happy with the app. They are an ethical company and even send you an email letting you know your renewal is coming up. It has helped me a lot with knowing where my money is going.
-- commandQ, 2026-06-07

### *---- "Illegally billing to avoid apples cut"
This ghetto ratchet pathetic app deserves to be banned from the App Store.   They are forcing you to go off app into a web Brower to unsubscribe or update any payment info.  Making any changes to payment virtually impossible and avoiding apples cut of the $$$$.  Take this app down now.  It is horrible and violating your terms of service.
-- Youaretrash69, 2026-06-07

### ***** "Great app, we love it!"
Figuring out how to adjust some transactions or payments so they aren’t in the wrong “category” is a little finicky sometimes but otherwise it’s an amazing app.
-- Yamelthecamel, 2026-06-06

### ****- "Great but has bugs"
This app is great when it works!  I have had issues with it logging duplicate purchases which takes a lot of time to correct. I sent a message to their customer service over 3 weeks ago and still have not received a response. The latest issue I have noticed is it has not been alerting me of new purchases for me to review. This issue also requires extra time to go back and check. I have used this app for over a year and overall I am happy with it. Just make sure you are checking all transactions for duplicates or mistakes. There seems to be no customer service.
-- Seritten, 2026-06-05

### ***** "Best thing ever!"
Made my life so much easier! It organizes my financial views like my brain works - like if it was reading my mind and understanding what matters for me. Loooooove it! My only criticism is the new forecasting feature as a very expensive add on. It should be part of the regular package.
-- Leilatheboss, 2026-06-05

### **--- "Updates"
Why am I forced to update the app to use it? None of my other apps require updates this often, including my banking apps, so it isn’t a security thing. Please stop forcing me to update this thing.
-- Drjohan, 2026-06-05

### ***** "Life changer"
This app has changed my financial life for the better. Using this app and my financial advisor guidance has allows me to save 5k in the past 3 months. Before then I had nothing in my savings account. I recommend this app to everyone. The best way to get the benefits of this app is partnering with a financial  advisor as well.
-- Samlee_24, 2026-06-04

### *---- "Trash doesn't work"
As soon as my free trial ended and I gave them money, half of my accounts stopped working, and were unfixable despite all support told me to do. It defeated the entire purpose of the app.
-- asnyder1, 2026-06-04

### ***** "Monarch vs other money managing apps"
Monarch is superior in most ways. I recommend it to my friends and family. It links accounts better than competitors, its user interface is better, its net worth tracking is better. Overall better user experience. One complaint, the budget section is pretty useless, that’s because they do such a good job with the cash flow section where you can visible track each of your categories that actually going into budget becomes kind of a chore when you can monitor the overall category spend simply from the cash flow screen which is what most people care about. 10/10 recomend.
-- Thoroslin15192729191, 2026-06-04

### ***** "Apple Watch"
Could you add the compatibility of the app with apple watch Excellent app I would only need that to get back to you
-- Australopitacus, 2026-06-04

### *---- "Terrible"
I’m gonna help you save money by making you spend it on a subscription. Great idea stupid.
-- Envy972, 2026-06-03

### ****- "It’s not Mint but it’s good"
I’m not a fan of the AI tool or the budget tools (never really used budgets) but I overall I am a fan of Monarch. I use it to check on transaction activity and on account balances. Sometimes there is a slight delay in the balance (a day or two) and sometimes there are connection issues with financial institutions but overall for being able to take stock of my activity and current-ish balances is very helpful. Massive plus is the ability to share the account with a spouse. Love that feature. It helps us keep know where our respective money is, not in a controlling sort of way but more of if something happens, I know where to look way. This is very helpful.
-- KMade1, 2026-06-03

### ***-- "If you’re paying off debt, NOT FOR YOU!!"
I love everything else about this app. It’s got a great desktop and mobile version, account setup was easy and it’s visually pleasing and easy to navigate. My husband and I can finally both see our complete and up-to-date  financial picture in a way we can both appreciate instead of me just tracking in Quicken and printing reports for him that he’ll barely look at. When we’re out of debt I would give it 5 stars and will love using it. 

Currently we’re getting out of debt though. Simple monthly budgeting functions like applying your debt payments to your credit cards and loans in your monthly budget, applying extra income to a loan or credit card account and accurately tracking the final balance is just not possible. I’ve tried so many ways to make this work and each “workaround” I’m given by the internal AI (which is another really nice feature), is so labor intensive you might as well just be using a spreadsheet. Yes, they have a “debt payoff plan” with a simulator showing pay down strategies using both snowball and avalanche methods. But this does not integrate into your monthly budget easily, which defeats the whole purpose of a budgeting app in my opinion. 

Unfortunately I’ve already paid the annual subscription and I don’t think I’ll get that back, so I may just have to make this work somehow. But if you’re on a debt free journey, I would SKIP THIS APP until you’re out of debt. This seems to be an investment tracker and monthly cash flow tracker ONLY.
-- ShippLife, 2026-06-02

### *---- "Deceptive Practices"
Don’t waste your time with Monarch. I used Monarch for 6 months and they sent me a free trial offer to try their new Plus account. I did the trial and decided the features of the Plus account did not justify an additional $100/yr. They told me I couldn’t go back to my already paid for subscription without having to pay for an entire year again.  I still had 6 months left on my subscription and instead of downgrading my account to the plan I had already paid for, they cancelled my whole account and told me I would have to buy it again. Horrible customer service.
-- JCBod, 2026-06-01

### *---- "Starts working fine, then…."
Starts working fine, then accounts stop updating, the bot blames plaid and the financial institution. But no fix.
-- Aapt72, 2026-06-01

### *---- "Cancel my subscription - poor customer support and disappointing business practices."
I’ve been a Monarch customer for several years, but I’ve decided to cancel my subscription. Over the past few months, I’ve noticed a decline in the service and feature improvements.

Things got worse in April when they introduced a two-tier system that wasn’t available to Apple subscribers. To add insult to injury, when you switch to direct billing, you can’t access the monthly subscription for the higher package. Instead, you’re forced to go straight to the $200-per-year option (plus tax). The base package is still available as either monthly or yearly.

Overall, it feels like they’re trying to extract more money from customers while offering fewer features, and that’s disappointing. I’m not sure what’s going on inside the company, but it looks like they don’t have their business in order. It’s too bad, because they started well, but it’s time to move on to a different service.
-- JT Music, 2026-06-01

[View all Monarch reviews and detailed analytics on AppTail](https://apptail.io/ru/account/signup?utm_campaign=ai-crawl&utm_content=reviews)

## Monarch In-App Purchases
| Item | Price |
|------|-------|
| Monthly Subscription | $15.99 |
| Monarch Subscription | $99.99 |
| Yearly Subscription | $99.99 |

## Monarch Store Rankings
| Chart | Country | Category | Rank |
|-------|---------|----------|------|
| Топ по доходу | Соединенные Штаты | Finance | #5 |
| Топ по доходу | Канада | Finance | #7 |
| Топ бесплатных | Канада | Finance | #82 |
| Топ бесплатных | Соединенные Штаты | Finance | #87 |

## Monarch Discovered Keywords
- vehicle expenses
- accounts checkbook
- budget helper
- budget
- household organizer
- the monarch app
- personal finance app
- money and banking
- zeta
- couples finance

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## Monarch Available In
- [Соединенные Штаты](https://apptail.io/ru/app/monarch-budget-track-money-Phqb/united-states)
- [Канада](https://apptail.io/ru/app/monarch-budget-track-money-Phqb/canada)

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