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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Monarch vs EveryDollar

Monarch 4.9★ · Free + IAP 75
Winner Monarch
EveryDollar 4.7★ · Free + IAP 60

Monarch is generally preferred for its comprehensive features and robust account aggregation, despite some syncing issues, while EveryDollar is better suited for strict zero-based budgeting and debt payoff, though it struggles with bank connectivity and recent updates.

Full reviews: Monarch · EveryDollar

Monarch offers a more feature-rich experience for overall financial tracking and budgeting, often praised as a Mint replacement, but users report inconsistent bank syncing. EveryDollar excels at zero-based budgeting and debt management, aligning with the Ramsey plan, but its recent updates have introduced significant usability and syncing problems.

Head to head

Features edge: MonarchR2R5R9R11
Monarch Monarch is lauded for its comprehensive features, including net worth tracking, visual displays, AI tools, categories with rollover ability, and robust financial consolidation, making it a strong Mint replacement R2R5. Users appreciate seeing all their finances in one place and the ability to collaborate with a partner R11. However, some find it less ideal for debt payoff tracking and projections . The iPad app is noted for having reduced capabilities compared to the web version R9.
EveryDollar EveryDollar is highly effective for strict budgeting, especially for those following the Ramsey plan to get out of debt . Users like its ease of inputting transactions and seeing spending habits . However, it lacks features like a running balance, a normal ledger, and a dedicated transfer function . Recent updates have also broken the split transaction function and made it harder to see exact monthly spending .
Ease of Use edge: MonarchR2R7R13R14
Monarch Monarch is generally considered easy to use with an intuitive user interface and clear visual displays R2. Users appreciate the simple setup and navigation . However, some find it not super intuitive initially, requiring resources to learn . Issues like forced updates and a cluttered dashboard with marketing ads detract from the user experience R7R13. The auto-categorization feature can be problematic, leading to miscategorized transactions R14.
EveryDollar EveryDollar is praised for being easy and fun to use, especially for manual transaction input, which helps users stay on budget . However, recent updates have made the app less user-friendly, with issues like difficulty reordering budgets while seeing balances, broken split functions, and forced surveys before login . Some users also find the app runs slowly despite its simple design .
Reliability (Syncing & Accuracy) tieR4R6R8R12
Monarch Monarch struggles with consistent account syncing, with users frequently reporting disconnections, duplicate transactions, and issues with specific banks like Schwab R4R6R8R12. Data accuracy is also a concern, with reports of incorrect holdings and returns R25. Some users note that transfers between accounts require manual training and can break if transaction signatures change .
EveryDollar EveryDollar also faces significant reliability issues, particularly with bank syncing. Users report accounts not connecting, frequent disconnections, and duplicate transactions, especially since the switch to Plaid R70R73. Support often blames the bank for connectivity issues R73R115. Recent updates have introduced further problems, such as incorrect calculations for remaining budget and an inability to force updates for new charges R61R76R84.
Price/Value edge: MonarchR1R3R5R16
Monarch Monarch is considered pricey by some, with a subscription cost that makes users question spending money to track money R1R5. However, many users find it worth the cost due to its comprehensive features and effectiveness in managing finances R5. There are complaints about deceptive paywall practices and issues with managing non-Apple subscriptions R3R16.
EveryDollar EveryDollar also has a paid tier, and users complain about constant nagging to upgrade to premium, even in the free version . Some users feel the app is not truly free, as essential features are paywalled . Paid users express frustration when the app doesn't work as expected, feeling they wasted their money . Despite this, some long-term users find the paid version valuable for achieving financial goals like debt freedom .
Support tieR4R10R25R28
Monarch Monarch's support is criticized for lacking phone support and being slow or unhelpful R4R10R25. Users report no response after canceling subscriptions and being charged anyway R10. When accounts disconnect, support often provides canned messages or blames Plaid/financial institutions without offering a fix R28.
EveryDollar EveryDollar's support is also seen as unhelpful, often blaming banks for connectivity issues and suggesting manual entry or switching banks R73R115. Users complain about slow responses to issues arising from updates . There are also reports of forced surveys and dark UX patterns that hinder access to the app .
Pick Monarch if

You need a comprehensive financial aggregation and budgeting tool with strong visual displays and AI features, and you are comfortable with a subscription fee despite occasional syncing issues R2R5.

Pick EveryDollar if

You are committed to a strict zero-based budgeting approach, especially if following the Ramsey plan for debt payoff, and prefer a simpler interface for tracking expenses, even if it means more manual input and dealing with recent app issues .

Evidence note: Both apps have a significant number of recent negative reviews, particularly concerning account syncing and issues introduced by recent updates. Monarch's negative reviews often focus on connectivity and pricing, while EveryDollar's highlight broken features and forced updates/surveys. The free-vs-paid asymmetry is relevant for both, as many negative reviews for EveryDollar come from free users frustrated by paywalls or feature limitations, while Monarch's paid users still report core functionality issues.

Frequently asked

Does Monarch offer a free trial?
Yes, Monarch offers a free trial, but some users report deceptive practices around the paywall and subscription management, particularly regarding non-Apple subscriptions R3R16.
Can EveryDollar connect to all my bank accounts?
EveryDollar struggles with bank connectivity, with many users reporting that some banks and accounts are not supported, or frequently disconnect, especially since the switch to Plaid R70R73R115.
Are there issues with Monarch's account syncing?
Yes, many Monarch users report frequent issues with accounts disconnecting, duplicate transactions, and difficulty syncing with various financial institutions R19R27R28R30.
Has EveryDollar had problems with recent updates?
Yes, recent EveryDollar updates have introduced numerous problems, including broken split transaction functions, incorrect budget calculations, forced surveys, and issues with older iOS versions R61R72R76R84.

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. [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
  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. [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
  7. [R14] Monarch 4/5 · US I wish it didn’t auto-categorize: I’ve been using this app for 7 months and love everything except the fact that it automatically categorizes all transactions. Several transactions have been miscategorized and we don’t realize it until months later when looking back. If new transactions could be flagged or marked somehow, this app would be perfect.
  8. [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.
  9. [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
  10. [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.
  11. [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.
  12. [R1] Monarch 1/5 · US Look elsewhere.: Too expensive for such shoddy authentication. Don’t trust them with my financial details.
  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. [R16] Monarch 1/5 · US Es de pago: No puedes obtener prueba sin otorgar información de pago
  15. [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
  16. [R25] 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.
  17. [R28] 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.
  18. [R70] EveryDollar 2/5 · US Plaid was a bad move: I’ve used this app for many years now, and since they made the switch recently to using Plaid to connect accounts to the app, it’s borderline useless. I want all of my posted transactions in my app once they’re posted to my bank account, not days and days later.
  19. [R73] EveryDollar 2/5 · US Account syncing is broken: Some banks and accounts are not supported. When some banks are supported but experience significantly or frequent issues, the support team blame the bank and suggest switching banks. The app frequently pulls in duplicate transactions that have to be cleaned up every day. The app uses Plaid which doesn’t allow individual connections, such as mfa for me and mfa for my spou
  20. [R115] EveryDollar 2/5 · US Doesn’t connect to banks. Premium is a scam: I’ve been using this app for literally years (and the biggest advocate) but the last like year or so, it won’t connect to my primary bank. Support just blames my bank and tells me to insert transactions manually “in the meantime” but then when it randomly does connect to my bank, I have all these duplicate transactions - and it’s been going on too long.
  21. [R19] Monarch 1/5 · US Doesn’t stay connected: The simply cannot stay connected to accounts. It’s really frustrating.
  22. [R27] Monarch 3/5 · US Disconnected Accounts: My husband and I signed up for this service to help with budgeting and to get a more accurate, transparent picture of where our money was going instead of relying on spreadsheets. Like many people, we have multiple bank and credit card accounts, and it seemed like every other day we were getting notifications that one of our accounts had disconnected. It became frustrating
  23. [R30] Monarch 3/5 · US Pros & Cons: Pros: My initial review was a little too soon, I gave it five stars initially because feature wise and user interface wise it’s exactly what I want. I tried several different programs and when this one is working correctly. It is by far the best. So we’re just going on features alone. This is a five star app. Cons, and it’s a biggie! If you can manage to sync all of your accounts,
  24. [R61] 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
  25. [R72] EveryDollar 3/5 · US Annoyed!: I am very annoyed that now, in order to use the app, my phone has to be updated to a version that it does not support. Which means you people, who think that we shouldn't be spending money, now want me to spend money on a new phone in order to use your app. Ironic? I think so.
  26. [R76] EveryDollar 2/5 · US Recent update is trash: Can no longer force update to pull in new charges. Please make this a feature again. I like to move charges to the appropriate baskets first thing in the morning.
  27. [R84] EveryDollar 3/5 · US New update: I loved the app… but now with this new update it’s throwing off the numbers. Normally I plan my next month from the last paycheck of the current month (example last April paycheck used to start May budget) and usually it works. Now when I setup May budget and start putting transactions from in, it shows as if the money isn’t there because the app is not making money “available” until

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store