About Monarch
Monarch Money is a personal finance app for tracking accounts, budgeting and planning, on the web, iOS and Android. Wingspan adds to its web app. This page is an unofficial summary, checked September 29, 2026. Monarch ships often, so check its own pages before relying on a detail.
What Monarch does
Track
- Accounts and net worth
- Transactions and rules
- Credit score
Plan
- Budget
- Goals
- Forecasting (Plus)
Understand
- Cash flow
- Reports
- AI Assistant
- Advice
Bills
- Recurring
- Recurring 2.0 (Early Access)
- Bill sync
Invest
- Holdings
- Allocation
- Equity comp
Household
- Partner seat
- Shared Views
- Pro access
Plans
| Core | Plus | |
|---|---|---|
| Price | $99.99/yr or $14.99/mo, 7-day trial | $199.99/yr, annual only (launched at $299 in Apr 2026) |
| Net worth, budgets, rules, reports | Yes | Yes |
| Goals, AI Assistant, weekly recap | Yes | Yes |
| Receipts, equity comp, Zillow, Coinbase, Apple Card | Yes | Yes |
| Partner seat, read-only pro access | Yes | Yes |
| Forecasting and retirement projections | No | Yes |
| Business tracking with P&L, Schedule C export | No | Yes |
| Tax lots, unrealized gains, Morningstar, portfolio treemap | No | Yes |
| Couple's will through Trust & Will | No | Yes |
Wingspan works on Core and doesn't unlock anything from Plus.
Release history
Notable releases by month. Monarch posts smaller changes on its What's new page.
- Sep 2026Recurring 2.0 in Early Access · Switch data provider and keep history · Sort accounts by balance · Account notes
- Aug 2026Treemaps · Early retirement forecasting
- Jul 2026Transaction activity log · Email receipts
- Jun 2026Mobile reports · Goals 3.0 · Official MCP connector paused
- Apr 2026Plus tier · Forecasting · Investment improvements
- Jan 2026SOC 2 Type II
- Dec 2025AI Assistant · Goals beta · Equity comp · Receipts · Debt Paydown Simulator
- Nov 2025Account details: utilization, interest rate, minimum payment
- Oct 2025Moves to monarch.com · Shared Views · Hidden transactions
- Jul 2025This month against average
- May 2025Amazon Retail Sync
- Feb 2025YTD net worth
- Oct 2024Bill Sync
Official links
Wingspan tracks Monarch's official roadmap card by card on the roadmap, and deprecates and removes its own version of a feature when Monarch releases one.
Wingspan is an unofficial, open-source extension by Axerie Software. It isn't affiliated with or endorsed by Monarch Money.