Monarch Money
The #1 Personal Finance App
Monarch Money is the most comprehensive personal finance app available — connect all your accounts in one place, track spending automatically, set goals, build budgets, and see your real-time net worth. Used by over 1 million households.
Download Monarch Money →Free to try · No credit card required
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Why We Recommend Monarch Money
Connect All Your Accounts
Link your bank accounts, credit cards, investments, and loans in one place. See your complete financial picture instantly.
Automatic Spending Tracking
Transactions are categorized automatically. Know exactly where every dollar is going without lifting a finger.
Goal Setting & Budgeting
Set savings goals, build flexible budgets, and track your progress toward financial independence.
Real-Time Net Worth
Watch your net worth grow in real time. Assets minus liabilities — the number that actually measures your wealth.
Built for Households
Share your finances with a partner or spouse. Collaborate on budgets and goals together.
Bank-Level Security
256-bit encryption, read-only account connections, and no ability to move money. Your data stays yours.
💡 How Monarch Works With MOS
Use Monarch Money to track your real-world finances day to day, then import your actual numbers into the MOS Net Worth Tracker and Bookkeeping Tool. Together they give you both the live picture and the long-term projection.
Ready to take control of your money?
Join over 1 million households who use Monarch Money to build real financial clarity.
Download Monarch Money →Monarch Money is an independent third-party app. This page contains a referral link — Millionaire Online School may receive a commission if you sign up using our referral code, at no additional cost to you. This is not a sponsored endorsement; we recommend Monarch Money because we believe it is genuinely useful for our students.
This content is for educational purposes only and does not constitute financial advice. Consult a qualified professional for advice specific to your situation.