Monarch
by Monarch
Budgets, net worth and goals with an AI assistant
Reviewed by the the30top research team · Last reviewed 2026-10-27
Overview
Monarch links more than 13,000 financial institutions and lays out spending, budgets, net worth and goals in one dashboard, with a weekly summary and an AI Assistant you can ask about your money. Partners and professionals can be invited to the same account at no extra cost, and the vendor states it never sells financial data. There is no free plan, only a 7-day trial, and the pricing page gives little detail on what the AI Assistant can and cannot do.
Our verdict
A solid all-round money dashboard that now includes an AI Assistant. It rewards people who will actually use budgets and goals, and offers no free tier to test long term.
Best for
Households that want one dashboard for budgets, net worth and goals, plus an AI helper for quick questions.
Avoid if
You want a free tool, or you need the AI to take actions such as cancelling subscriptions.
Pros
- Connects to 13,000+ institutions
- Partner or professional can join at no extra cost
- Vendor states it never sells financial data
Cons
- No free plan, only a 7-day trial
- AI Assistant scope is thinly documented
- Annual billing shown as the headline price
Key capabilities
Frequently asked questions
How much does Monarch cost?
The pricing page lists Core at $99.99 per year and Plus at $199.99 per year, with a 7-day free trial and no free plan.
Does Monarch sell my financial data?
The pricing page says it never sells your financial data and contrasts itself with free apps that rely on selling data to advertisers.
What can the Monarch AI Assistant do?
The vendor describes it as an assistant you can ask anything, with guidance shaped by financial professionals, plus a weekly summary of spending, net worth and upcoming expenses. It is a tool for insight, not a replacement for a licensed adviser.