Review Insights · Google Play
Monarch: Budget & Track Money
Monarch Money · 22,825 ratings · ★ 4.7
4.7
★★★★★
22,825 ratings
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Top complaints - extracted from 31 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"money"
9 negative reviews mention this · 29% of all complaints
★★★★★ "Yeah, not adding a subscription to view my money in a "better way" when I only get 7 days to see if I even like it. I couldn't even look around without giving payment information." - Sean Brandt
2
"subscription"
7 negative reviews mention this · 23% of all complaints
★★★★★ "Yeah, not adding a subscription to view my money in a "better way" when I only get 7 days to see if I even like it. I couldn't even look around without giving payment information." - Sean Brandt
3
"free"
7 negative reviews mention this · 23% of all complaints
★★★★★ "Great potential ruined by connectivity issues. Take advantage of the free trial. Use it to figure out if your banking institutions will stay connected. Mine would lose connection multiple times per day. It got to the point where it wasn't w…" - Jason Maguire
4
"cancel"
5 negative reviews mention this · 16% of all complaints
★★★★★ "it want let you cancel it or uninstall it" - Laura Gill
5
"work"
5 negative reviews mention this · 16% of all complaints
★★★★★ "plagued with poor connectivity and trouble connecting to financial institutions 2fv didnt seem to work at all as I didnt receive any of the verification codes. dont waste your time or money on this" - Ashley Puetz
6
"trial"
4 negative reviews mention this · 13% of all complaints
★★★★★ "Great potential ruined by connectivity issues. Take advantage of the free trial. Use it to figure out if your banking institutions will stay connected. Mine would lose connection multiple times per day. It got to the point where it wasn't w…" - Jason Maguire
7
"trying"
4 negative reviews mention this · 13% of all complaints
★★★★★ "Great potential ruined by connectivity issues. Take advantage of the free trial. Use it to figure out if your banking institutions will stay connected. Mine would lose connection multiple times per day. It got to the point where it wasn't w…" - Jason Maguire
8
"free trial"
4 negative reviews mention this · 13% of all complaints
★★★★★ "Great potential ruined by connectivity issues. Take advantage of the free trial. Use it to figure out if your banking institutions will stay connected. Mine would lose connection multiple times per day. It got to the point where it wasn't w…" - Jason Maguire
9
"account"
4 negative reviews mention this · 13% of all complaints
★★★★★ "unable to add Discover savings account. AI doesn't help. No way to contact them to cancel account." - Ann Meyer
📋 All 31 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
Yeah, not adding a subscription to view my money in a "better way" when I only get 7 days to see if I even like it. I couldn't even look around without giving payment information.
Not being able to select a monthly billing option was the deal breaker.
$99.99 annually? no thank you
6 month review - I genuinely don't understand why anyone would use this. For 15/month you can have a messy and confusing dashboard with minimal customization options and a weak, broken ai assistant that constantly gets basic facts wrong and is dangerously inaccurate for anyone managing their finances. I am blown away that anyone uses this.
the app will not track my credit card and so is useless for managing my finances.
it want let you cancel it or uninstall it
plagued with poor connectivity and trouble connecting to financial institutions 2fv didnt seem to work at all as I didnt receive any of the verification codes. dont waste your time or money on this
UNLESS YOU'RE WILLING TO SPEND MONEY DON'T BOTHER DOWNLOADING IT!!! IT'S LOCKED BEHIND A SUBSCRIPTION PAYWALL!!!
it's like the mint app it's money tools for the rich. why don't they have a app for the poor.
1 star because ZERO isn't an option.
Constantly failing to connect to my banks. Help from support has been useless. No credit offered. Why do I pay for this?
unable to add Discover savings account. AI doesn't help. No way to contact them to cancel account.
Needs a free version. It's not worth the money to just see all your accounts in one place.
trying hard to cancel after free trial. cannot be done in app, which says I have to do that in play store. no joy. I WILL NEVER BUY AN APP WHICH CHEATS ITS WAY TO FUNDS BY MAKING IT THIS DIFFICULT TO CANCEL
Plaid connections are beyond terrible and Monarch is complacent about it. Utterly frustrating. This is a known problem for years and it has not been addressed at all. I will cancel my subscription since there is no service being offered. This is a borderline scam.
I wanted to try out the app, view it see if it's work for me but Everytime I open the app it tries to force me to sign up for a free trial where they'll charge afterwards. I haven't even seen the app, why would I sign up?! 7 days is not enough to see if it would work well. They're essentially asking me to pay to even see if their app works, I'm trying to save money not through it away. Ridiculous
Google search suggest this app to use to track bills. you have to pay a monthly fee to use the app. it's not free.
Very complex, not intuitive to set up would not recommend if you are not very technically inclined.
Can't log into my existing account from another device without agreeing to a new subscription.
this app does not work I can't get in my account what good is it if you can't get in it it doesn't allow me to get in my account I did everything it asked me to do and still didn't get in I've been trying for 3 Days to get in this really is frustrating the accountant can't even help me online I explained everything to her she wants me to remember the date and how much money I took out at a store how can I remember that a month ago this is ridiculous app and the person that you talk to can't even
paywall
no explanation on how to use it
extremely buggy not worth your money
cannot get it to work, cancel
I'm not putting money into something, or giving my credit cards, without being able to see anything. Couldn't even open the app without having to give my credit card for a free 5 or 7 day trial. It sounds good, I just want to see what I'm getting into before opening my wallet. If you're going to give me a free trial, then give me a free trial. When it's over, then make it pay or done. If I like it, I'll pay.
I tried about 8 times over to get my account into the app - first it was difficulty even signing in, then it was monarch saying it won't work right now but with no way to fix it. This is step one, so it really shouldn't be this hard.
Misleading
Great potential ruined by connectivity issues. Take advantage of the free trial. Use it to figure out if your banking institutions will stay connected. Mine would lose connection multiple times per day. It got to the point where it wasn't worth the effort and lost time trying to continually get things reconnected. Very glad I was able to determine this before I had to pay for the subscription.
No free version. Instant uninstall. In a world that only exists to squeeze every cent out of you as possible, I'm not shelling out yet ANOTHER subscription when I can find a dozen apps that do exactly what this app says. Especially for BUDGETING. Gross.
used to be really good, but there's no way to have only the original statements show for my transactions. So now you have to rely on the apps ability to interpret what category each charge was for. especially frustrating when it's accurate only about half the time. I Will be switching be switching once my subscription is finished unless the ability to only use original statemtnts is added back.
cool features but fatal flaws. specifically you can't create an accurate budget in the app because it doesn't count mortgage or loan payments as an expense. like the interface better than quickbooks, but monarch isn't suitable for budgeting
Sentiment summary
95%
Positive (4-5★)
2%
Neutral (3★)
3%
Negative (1-2★)