Affiliate disclosure — Mindful Money Mama earns a commission if you sign up through the links on this page, at no extra cost to you. I only recommend tools I genuinely use.

Every account, every goal, one clear dashboard.

When someone wants their whole financial life — spending, net worth, investments, goals — in one calm dashboard they can share with a partner, this is where I point them. Monarch is the polished, ad-free all-in-one I trust.

Try monarch for FREE

7 days free. Cancel anytime.

“Monarch Money is the best budgeting app overall — especially for couples or families looking to cut expenses and increase savings.”

— The Wall Street Journal, 2024

Why I’m sharing this

A quick note from me

I test a lot of money tools — it’s my job. Monarch is the one I reach for when someone wants the whole picture: not just this month’s spending, but net worth, investments, upcoming bills, and long-term goals, all in one place.

What sold me is how well it works for two people. You and your partner each connect your own accounts and get one shared view — so money conversations turn from stressful guesswork into a calm, clear plan. And it’s completely ad-free, so it’s never trying to sell your data or push you a loan.

If you’ve been meaning to finally see your entire financial life in one dashboard — and maybe get your partner on the same page — start your free trial and see how it feels.

Sarah Ankney

Founder Mindful Money Mama

What makes it different

Your whole financial life, in one view.

Built for two

Invite your partner — or your financial advisor — at no extra cost. Both of you sync accounts and see one shared, aligned picture of the household.

Best-in-class connections

Monarch links to 13,000+ banks, cards, loans, and brokerages using multiple data providers — so more of your accounts actually stay in sync.

Beyond just budgeting

Track net worth, monitor investments, forecast cash flow, and watch goals compound — not just log expenses. It’s a full financial dashboard.

Budgeting that flexes

Choose category budgeting for tight control or flex budgeting for a lighter touch. The budget adapts to your life instead of the other way around.

Catch every subscription

Monarch auto-detects recurring charges — streaming, gyms, apps — so forgotten subscriptions stop quietly draining your account each month.

No ads. Ever.

Monarch runs on subscriptions, not ad revenue. You’re the customer, not the product — your financial data isn’t being sold to anyone.

Before you start that trial…

Is Monarch right for you?

I’d rather you find the tool that fits than sign up and bounce. Here’s my honest read.

You’ll love it if…

Z

You want spending, net worth, and investments in one place

Z

You share finances with a partner and want one clear view

Z

You’re a Mint refugee looking for a real replacement

Z

You like customizing dashboards and reports to your taste

Z

You value an ad-free, privacy-respecting app

Maybe look elsewhere if…

K

You want a fully hands-off app that manages money for you

K

You need full-scale small-business accounting & invoicing

K

You’d rather never look at your numbers at all

How to start

Up and running in minutes

Start your free trial

7 days free. Sign up through my link below — takes about a minute to get in.

Connect your accounts

Link banks, cards, loans, and investments. Monarch auto-categorizes everything for you.

Invite your partner

Add your partner or advisor at no extra cost, set goals, and see your shared picture.

See your whole financial life in one place..

Try Monarch free for 7 days. Link your accounts, invite your partner, and see if the clarity clicks for you the way it did for me.

Start My FREE Trial

7 days free · No ads · Cancel anytime