Monarch vs Intuit Credit Karma

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. [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!
2. [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.
3. [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
4. [R11] Monarch 5/5 · US The best: This helped me get our family finances in order and more importantly, collaborate with my partner on our finances. Amazing app, keep going Monarch!
5. [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.
6. [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
7. [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
8. [R20] Monarch 5/5 · US Love it: Best budgeting platform, super easy to use and see all my metrics
9. [R1] Monarch 1/5 · US Look elsewhere.: Too expensive for such shoddy authentication. Don’t trust them with my financial details.
10. [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.
11. [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.
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. [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
14. [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
15. [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.
16. [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.
17. [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!
18. [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.
19. [R42] Monarch 5/5 · US Obsessed: Obsessed with Monarch - well worth the money.
20. [R63] 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.
21. [R67] Intuit Credit Karma 1/5 · US Not Accurate: This information is never accurate and takes far too long to update. Moreover, finance persons refuse to accept CK information as valid.
22. [R72] Intuit Credit Karma 3/5 · US Incorrect information: You really need to look in to a person‘s credit before you start posting a credit score. You’re very slow on gathering information. I have stuff on my credit report that should no longer be on my credit report after eight years of being there.
23. [R75] Intuit Credit Karma 3/5 · US Accuracy: CK claims if payments are made timely this will affect a FICO, yet the suggested payments are made but this does not change an account. In addition, it takes a long time for CK to accurately report any new accounts.
24. [R61] 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.
25. [R84] Intuit Credit Karma 3/5 · US Notifications: They're too often.
26. [R85] Intuit Credit Karma 1/5 · US update made app useless: the app has been rendered useless after the most recent update; the homescreen is a garbage mess. it wasn’t broken, why change anything? its also nothing but advertisements & fake notifications
27. [R98] Intuit Credit Karma 1/5 · US Infinite notifications: I think the guy who invented the pop up ad became intuit’s CTO or something. I get about 50 (not kidding) push notifications per day. Want to be reminded every 12 minutes that you can open a credit card? Have you forgotten that you could take out a loan? Download this app and you’ll never miss another chance to take advantage of outrageously obnoxious offers.