Monarch alternatives

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

1. [R1] Monarch 1/5 · US Look elsewhere.: Too expensive for such shoddy authentication. Don’t trust them with my financial details.
2. [R4] Monarch 2/5 · US No phone support, app freezing: There is no phone number for support and there’s a lot of duplicate like rent. My “July Progress” won’t load. I tried multiple times and researching online how to fix it and i can’t fix it.
3. [R8] Monarch 4/5 · US Good except Schwab connection: Like everything except the connection to Schwab. Fussy, often doesn’t work and takes too much time every few days. Copilot does this much better.
4. [R10] Monarch 1/5 · US Missing a key feature: Unfortunately I have to update my review. I cancelled my Monarch subscription months ago when they stopped supporting access to my bank. I cancelled again when they sent me a reminder in May. They charged me anyway. I have contacted customer service but received no response. I’m left either no choice but to dispute the charge and replace my card as they clearly intend to kee
5. [R3] Monarch 3/5 · US Paywall felt like it’s made to trick me: There are 2 options on the paywall. 1 to start trial and another to continue in app. I thought the start trial was going to open the Apple subscription flow which was very misleading when it didn’t. I don’t like to use non-apple subscriptions in apps as they are harder to manage. It was not clear that “continue in app” would open the apple subscription flow
6. [R5] Monarch 5/5 · US Best budgeting app: I’ve been terrible at keeping up with our transactions and seeing where all our money goes. The categories and roll over ability for each month is flawless. Would definitely recommend. Yes it’s a bit pricey but worth every penny. Quality is fantastic only thing I’d recommend is an offline form to see your budget you have to be connected or have signal to view the app.
7. [R16] Monarch 1/5 · US Es de pago: No puedes obtener prueba sin otorgar información de pago
8. [R23] Monarch 1/5 · US Inaccurate Info: Incorrectly showed holdings and returns (showed losses on strong increase days). Support was very slow to respond and not helpful at all. Cancelled after 6 months for a refund. Look elsewhere and save the headache.
9. [R25] Monarch 1/5 · US Unable to keep accounts synced: I really want to give five stars but can't because they cannot keep accounts synced. When you contact help they ask you to resign in which works 1/4 of the time and the others support responds back with canned messages like are you sure you own the account?? Mean while their sync status page will show issues with the major providers. You can do better.
10. [R6] Monarch 3/5 · US Good for spending tracking not for account aggregation: Pretty intuitive for tracking credit card spending across categories and budgeting. Tried using it as an account aggregator to have investment and retirement accounts included and it turned into manual updates every few days. The app can’t distinguish transactions between interest or dividends paid and reinvested. I have to fix it every month
11. [R7] Monarch 2/5 · US Meh: Nice app. Just know that every time you open the app, you’ll suffer through a “dashboard” which is really just their marketing ads on trying to sell you services. Is quite annoying. Might want to find another app before you spend time setting up this one.
12. [R12] Monarch 3/5 · US Meh-narch: This app is ok, for budgeting but that’s about it. It’s pretty much the reincarnation of mint.com: full of double entered transactions and things that you need to recategorize multiple times before it sticks. Fine for budgeting, but not great for projections which is important to me. God, I wish Intuit hadn’t stopped making quicken.
13. [R9] Monarch 3/5 · US 2 Stars for the iPad App / 4.5 stars for the platform: I absolutely love the platform and experience very issues with syncing but I absolutely hate the iPad app’s unnecessarily reduced capabilities and minimal investment in improving it. Over a year ago I requested that the reporting feature from the web version be brought to the iPad, which at that time was the only major feature missing from the
14. [R13] Monarch 1/5 · US Locks you out until you’re forced to update: Been a paid user for +2 years. Low signal? Old iOS? You’re out of luck. They will have a giant screen come up that completely locks you out of using the app and the services YOU PAY FOR until you drop everything and go update their app. You’d better hope you’re not on an older iPhone that doesn’t have the latest iOS because they’ll 100% lock you of th
15. [R37] Monarch 1/5 · US 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.
16. [R51] Intuit Credit Karma 1/5 · US Too much: Credit Karma sends too many notifications on a daily basis. More importantly they provide misleading notifications that entice you click on the app. I received a notification that said ‘Equifax is registering an actionable item on your credit report in regard to said card’. It was complete b.s.
17. [R53] Intuit Credit Karma 3/5 · US Credit numbers are false.: They give u 2 credit agency’s numbers that are false. Don’t believe what u see.
18. [R54] Intuit Credit Karma 1/5 · US Score: Score can drop by a big margin but only goes up one point
19. [R56] Intuit Credit Karma 3/5 · US Great: Great always there in a bind with over draft protection and the loan and credit builder savings program
20. [R65] Rocket Money 1/5 · US So far it’s awful: I had really high hopes for this app and thought it was going to be super helpful but so far it’s kind of useless. It’s only picked up about half my expenses and is telling me I have way more money in my budget left to spend then I actually do.
21. [R67] Rocket Money 3/5 · US UBS connection broken?! I’m gonna stop paying!: I like Rocket Money I like that it tells me my balance and every morning and things that come through and things that are coming and whatever I’m already on top of my own subscription so that’s completely useless but the most inconvenient thing is the handshake between my bank UBS checking account and I don’t know what they use plaid whatever it is i
22. [R68] Rocket Money 1/5 · US Costs me more than it helps: Costs me more money than it helps me save and I’ve keep trying to unsubscribe and it won’t let me… so frustrated
23. [R69] Rocket Money 5/5 · US Rocket Money Worth Every Penny!: Rocket Money has really helped to organize our finances, see our spending clearly and take charge of how and when we spend our money! Alerts are extremely helpful! If you desire to take control of your money instead of having your money control you, then Rocket Money is a must have!! Absolutely love this app!! 5 stars is not enough!!
24. [R79] NerdWallet 1/5 · US Terrible update: Removed the only reason I downloaded this app. For a budgeting option. And then put in some garbage news stories and investment tab nobody asked for. Edit: nice they added it back, too bad I moved on to rocket money
25. [R80] NerdWallet 5/5 · US Why NerdWallet is good for everyone: I started with NerdWallet about five months ago was totally ignorant on investing and actually done some advisor investing and turned out that I profited $2000 in three months and I am so glad I chose
26. [R81] NerdWallet 3/5 · US Not consumer-focused anymore: I loved this app and the website when I found it in 2020. It shows me my net worth, my credit score, etc. In the past year or so they have made a lot of changes that all seem to be based on making them a profit rather than serving their customers. Most things I look for on the website are now only on the app. I used their shopping features to find the most beneficial
27. [R82] NerdWallet 2/5 · US Introduced way too many bugs: Every time I take an action for 5 mins in the app, I get the little frog saying that something went wrong. The bugs are increasing. It’s becoming painful to use this app.
28. [R93] EveryDollar 1/5 · US Math ain’t mathing: I have the free version but even the basics don’t work right. You would think that putting money into savings would remove it from your remaining amount to spend. But it doesn’t. For example if I say I’m budgeting 1,000 this month. And I put 100 in savings. It should say I have 900 left to spend. But it still says 1000 in my remaining budget. I hate having to do brain gymnastic
29. [R94] EveryDollar 5/5 · US Great app- dedicated to getting out of debt: So happy I found this app. On baby step 2 and have a plan to get out of debt. Love being able to see what i’ve spent in each category. Good visual on spending habits.
30. [R95] EveryDollar 3/5 · US Reorder: I used to love the ease of this app when it comes to reordering my budget. After the up date, while I can still re-order my budget, I can’t see the balances/total. Therefore, I cannot reorder for my big ticket items to come first. I used to be able to move everything around while being able to see the balances/total.
31. [R96] EveryDollar 2/5 · US It keeps getting worse: It used to be incredible and it’s still decent but the ads and “fixes” are becoming less user friendly. It’s also not been working on my phone for 3 days.
32. [R107] YNAB 2/5 · US Used to be awesome: The idea behind this app was really wonderful and taught me to budget in a way that changed the way I look at my finances forever. Unfortunately, all of the app changes lately get in the way of functionality. Transactions have to get submitted multiple times, balances are somehow inaccurate, color coding is no longer accurate, and month-to-month logic is basically nonexistent.
33. [R108] YNAB 5/5 · US Changed our finances: I am a CPA. I am familiar with budgeting in general so I was looking for an app that would meet my high standards in what I think a budget should be. This exceeds expectations! Using this app has allowed us to save enough money to invest in a higher interest savings account. The monthly interest earned exceeds the monthly cost of this app. This app pays for itself!
34. [R109] YNAB 3/5 · US Please allow Fidelity connection: I have multiple accounts that i need to manually add transactions
35. [R110] YNAB 2/5 · US Not an easy app: This app has a good concept but is unnecessarily complicated to use. Be sure of what you want to achieve here because the concept of “zero based budgeting”, is really not for a basic budgeting app. There should be a class or tutorial on how to use it. Frustrating, and I’ve had it over a year.
36. [R2] Monarch 5/5 · US Best Financial App: Monarch has been a game changer for my family’s finances! I used to manually track expenses using excel and it got to be too much. Monarch simplifies all of those tasks and much much more. Between net worth tracking, the visual displays, and the built in AI tool you will not regret the move to Monarch!
37. [R34] Monarch 5/5 · US Amazing: Great app that keeps track of everything. I like the layout and how granular I can be with my budget. Best budgeting app out there and great for tracking all things financial.
38. [R19] Monarch 1/5 · US Doesn’t stay connected: The simply cannot stay connected to accounts. It’s really frustrating.
39. [R18] Monarch 3/5 · US Not quite a Mint replacement: The original mint.com app and website won users over from Intuit Quicken in part from how it elegantly handled transfer transactions between accounts, such as credit card account payments from a checking account. In Aaron Patzer’s original product, this was automatic. Monarch, otoh, has to be trained to do this, account by account, and if the transfer transactions sig
40. [R22] Monarch 5/5 · US The most pleasant app I have been used after mint shut down: Compared to other apps, it does everything I want. A lot of other apps I used has tiny issues, e.g. Fidelity full view or credit carma. They had issues importing one or two of my accounts such as Morgan Stanley Stock Plan or HSBC. But Monarch does all of them right. Feels so good to see all things again.
41. [R24] Monarch 5/5 · US Look no further: I used to like Mint. Everything else I’ve tried since never satisfied me. There was always things missing or clunky. Until Monarch. It’s literally perfect. I’ve never had a moment where I thought “man it does not do that?” Nope. It does it all and does it in an easy to use and intuitive user interface. Well done. Non reason to look at any other option.
42. [R26] Monarch 5/5 · US Mint but better: Just like the mint I used to love
43. [R17] Monarch 5/5 · US Great for families: My husband got us started on Monarch and at first I was skeptical. Why are we spending money to track our money, but it has really helped us see where we are spending irresponsibly and then make changes. We are saving for a house so knowing where we can cut costs and see our spending habits is a game changer!
44. [R32] Monarch 5/5 · US Worth Paying For: I’ve tried a bunch of personal finance services, and Monarch is by far the best. I use it every day and am happy to pay the subscription.