Monarch Money

Monarch Money is a modern financial planning platform launched in 2020 by a team of former Mint and Google employees who recognized the need for a smarter, more customizable approach to personal finance. Frustrated with the limitations of existing budgeting apps, they set out to build a tool that could support long-term financial planning, real-time collaboration, and a fully integrated financial overview—all in one place.

Headquartered in California, Monarch quickly gained attention for its sleek interface, powerful planning tools, and user-first philosophy. Unlike many free apps that rely on advertising, Monarch runs on a subscription model, allowing it to focus entirely on user privacy, clean design, and delivering premium features without distractions.

One of Monarch’s standout features is its collaborative functionality, allowing partners or family members to co-manage finances seamlessly—a rare but valuable addition to the personal finance space. Users can track their net worth, forecast future finances, create detailed budgets, and link all financial accounts for a comprehensive real-time view.

Though it’s U.S.-based, Monarch has been expanding its accessibility and continues to attract users globally thanks to its flexibility, advanced planning tools, and commitment to user empowerment.

Monarch Money is a forward-thinking platform built for those who want more than just budgeting—they want clarity, control, and a vision for their financial future.