If you've ever wished for one clean dashboard where every bank account, credit card, loan, and investment lives together, Monarch Money is that app. Built for individuals and couples who want to see the full picture of their finances, Monarch brings budgeting, net worth tracking, goal planning, and cash flow analysis into a single, beautifully designed interface.^1
Co-founded in 2018 by Val Agostino—the first product manager at Mint.com—Monarch was built on the conviction that personal finance tools should be simple, ad-free, and genuinely collaborative.^2 Partners can join each other's accounts at no extra cost, making it a standout choice for married couples working toward shared financial stewardship.^1 The app syncs with over 13,000 financial institutions through multiple data providers and offers two budgeting styles: Category Budgeting for detailed control or Flex Budgeting for a broader view of fixed, flexible, and non-monthly expenses.^3
After Intuit shut down Mint in March 2024, Monarch's user base grew twenty-fold, and in May 2025 the company raised $75 million at an $850 million valuation.^2 The Wall Street Journal named it the "Best Budgeting App," Forbes called it the "Best Mint Replacement," and Motley Fool recognized it as "Best Budgeting App for Couples and Families."^4 In February 2026, Monarch was named to the Forbes Fintech 50.^5
Why People Love It"Monarch has been a game-changer for how my wife and I manage our finances. It's transformed our money conversations from stressful guesswork into a clear, shared plan of action."^4
"Mint shutting down was a blessing in disguise. Monarch is way better and the connections to institutions way more reliable than Mint."^4
"It's like if someone took notes on what my partner and my dreams are for a budgeting app and made them come true."^6
Notable- Co-founded by Val Agostino (ex-Mint PM), Ozzie Osman (ex-Google, Quora), and Jon Sutherland^2
- $75M Series B (May 2025) at $850M valuation, led by FPV Ventures and Forerunner Ventures^2
- Forbes Fintech 50 (2026)^5
- Apple featured Monarch in "Apps We Love: Build a Shared Budget"^4
- AI Assistant launched December 2025 for in-app financial questions^4
- Receipt scanning and weekly recap widgets added in Winter 2025 release^4
- No ads, bank-level security, read-only access (money never moves), no data sold to third parties^3
- 30,000+ member Reddit community at r/MonarchMoney^1
