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Thanks to Monarch for partnering with me! Start your free trial and get 50% off your first year of total money clarity using my link
I use Monarch Money because it gives me a clean, ad-free dashboard that shows what I’m actually doing with my money—wants vs needs, recurring charges, and spending trends. The AI insights are the big win for me: it explains changes in plain English so I stay aware without micromanaging every single purchase.
Pros
- +Ad-free platform where you’re the customer, not the product
- +Shows spending habits clearly (wants vs needs, recurring charges, trends)
- +AI insights explain why spending changes in plain English
- +Syncs with 13,000+ institutions using read-only access and encryption
- +Works well for couples with a shared dashboard
Cons
- -Still requires you to check in regularly to get the most value
- -If you want fully manual tracking only, syncing may feel unnecessary
Featured in 3 videos
Thanks to Monarch for partnering with me! Start your free trial and get 50% off your first year of total money clarity using my link
Available on Monarchmoney
External purchase
Highlights
- +Ad-free platform where you’re the customer, not the product
- +Shows spending habits clearly (wants vs needs, recurring charges, trends)
- +AI insights explain why spending changes in plain English
Recommended by
Hayden Schreier