Monarch

Monarch is a personal finance app for budgeting, tracking spending and planning goals. It brings bank accounts, cards, loans and investments into one view, and it can be shared with a partner or a financial professional.

Monarch connects accounts and categorizes transactions automatically. Users can track net worth and cash flow, build budgets that adjust to their needs, and set savings goals. It detects recurring subscriptions and lets users mark transactions as reviewed, so spending is easier to follow.

• Automatic transaction categories
• Net worth view across accounts
• Flexible budgets and cash flow tracking
• Goal planning with adjustable cash flow
• Recurring subscription detection

Monarch suits individuals and couples who want one place to see their money and plan ahead. The site also has a section for professionals, so a financial adviser can work with a client's shared view.

Monarch uses paid plans, and the site lists a Core plan with a discount for the first year. Account syncing depends on the banks and institutions your accounts use, so check that your providers are supported before you subscribe. Shared access lets a partner see the same picture, which is useful but worth discussing before you link accounts.