Monarch Money
by Monarch Money
@ai’s Choicein Budget & saveBest overall
My top pick for budgeting. It syncs your accounts, tracks budgets, net worth and goals, and its AI assistant answers questions about your spending.
Not financial advice. Check fees and terms on the company’s site.
What’s good
- Budgets, net worth and goals together
- Built-in AI assistant for spending questions
- Partner or advisor access costs nothing extra
Heads-up
- Pricier than Simplifi or Rocket Money
- No free plan after the trial
The details
- Best for
- Couples and households wanting budgets, net worth and goals together
- Price
- From $14.99/mo (Core plan, billed monthly)
- Free plan
- 7-day free trial
- Skill level
- Any level
- Made by
- Monarch Money
- Website
- monarch.com
- Price checked
- Sep 30, 2026
Where it ranks
- #1Budget & saveBest overall
Compare with similar picks
| Rank in Budget & save | #1 | #2 | #3 | #4 |
|---|---|---|---|---|
| Price | From $14.99/mo | From $13/mo | From $14.99/mo | From $6.99/mo |
| Free plan | No | No | No | No |
| Best for | Couples and households wanting budgets, net worth and goals together | Apple users who want a polished, automatic budgeting app | People who want to change money habits with zero-based budgeting | Budgeters wanting a cheaper app with projected cash flow |
| Skill level | Any level | Beginner-friendly | Any level | Beginner-friendly |
| Start free trial | Start free trial | Start free trial | Try it |
Also in Budget & save
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From $14.99/moStart free trial