Monarch: Budget & Track Money

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1. ★★★★★подписка и платные ограничения

   Inaccurate Info. Incorrectly showed holdings and returns (showed losses on strong increase days). Support was very slow to respond and not helpful at all. Cancelled after 6 months for a refund. Look elsewhere and save the headache.

2. ★★★★★синхронизация между устройствами работает ненадёжно

   Unable to keep accounts synced. I really want to give five stars but can't because they cannot keep accounts synced. When you contact help they ask you to resign in which works 1/4 of the time and the others support responds back with canned messages like are you sure you own the account?? Mean while their sync status page will show issues with the major providers. You can do better.

3. ★★★★★пропадают данные, история или прогресс

   Bad data, confusing interface. Accounts require at least weekly sign in. Connection to data is regularly lost. And when I reauthenticate, I’m told my credentials are good but there are no compatible accounts. Impossible to use under these conditions. If my data comes through, then I have a cluttered, confusing interface to fight through before anything useful can be realized. What a mess. Don’t waste your money.

4. ★★★★★перевод между своими счетами и деньги в накопления учитываются как трата

   Charged after cancelling, overpriced, basic. I used Monarch for a few days and made a spreadsheet in Excel with help from chatgpt that was far better and cost me nothing. Then when I canceled the subscription before the free trial ended, I was charged anyway. There’s no need to use an app like this. You need to have control of your finances. I like entering each charge because it makes me connect with the charge emotionally and decide if it was worth it and that really helps my spending… having it automated for you like this app detaches you from your spending habits. The other features of the app are very basic as well.

5. ★★★★★подписка и платные ограничения

   Illegally billing to avoid apples cut. This ghetto ratchet pathetic app deserves to be banned from the App Store. They are forcing you to go off app into a web Brower to unsubscribe or update any payment info. Making any changes to payment virtually impossible and avoiding apples cut of the $$$$. Take this app down now. It is horrible and violating your terms of service.

6. ★★★★★вылеты, зависания и ошибки

   Trash doesn't work. As soon as my free trial ended and I gave them money, half of my accounts stopped working, and were unfixable despite all support told me to do. It defeated the entire purpose of the app.

7. ★★★★★подписка и платные ограничения

   Terrible. I’m gonna help you save money by making you spend it on a subscription. Great idea stupid.

8. ★★★★★подписка и платные ограничения

   Deceptive Practices. Don’t waste your time with Monarch. I used Monarch for 6 months and they sent me a free trial offer to try their new Plus account. I did the trial and decided the features of the Plus account did not justify an additional $100/yr. They told me I couldn’t go back to my already paid for subscription without having to pay for an entire year again. I still had 6 months left on my subscription and instead of downgrading my account to the plan I had already paid for, they cancelled my whole account and told me I would have to buy it again. Horrible customer service.

9. ★★★★★негативный опыт без конкретной причины· без конкретики

   Starts working fine, then….. Starts working fine, then accounts stop updating, the bot blames plaid and the financial institution. But no fix.

10. ★★★★★подписка и платные ограничения

    Cancel my subscription - poor customer support and disappointing business practices.. I’ve been a Monarch customer for several years, but I’ve decided to cancel my subscription. Over the past few months, I’ve noticed a decline in the service and feature improvements. Things got worse in April when they introduced a two-tier system that wasn’t available to Apple subscribers. To add insult to injury, when you switch to direct billing, you can’t access the monthly subscription for the higher package. Instead, you’re forced to go straight to the $200-per-year option (plus tax). The base package is still available as either monthly or yearly. Overall, it feels like they’re trying to extract more money from customers while offering fewer features, and that’s disappointing. I’m not sure what’s going on inside the company, but it looks like they don’t have their business in order. It’s too bad, because they started well, but it’s time to move on to a different service.

11. ★★★★★перевод между своими счетами и деньги в накопления учитываются как трата

    I feel like I wasted my money. I started using Monarch in January. I didn’t use every feature, but I did use the budget and the goals feature. I just wanted to make sure I understood what was going in and coming out of my account. It worked great for me. It helped me feel a little less anxious about my finances. Now, like any other ill-advised company, it seems that Monarch has decided to focus fully on AI. It seems like every week I find a new transaction that was missed by the rules feature. I constantly find duplicate transactions that my budget look like I spent twice what I thought I had. The worst is when I transfer money between accounts. It thinks that I’m getting more income, even though it’s pretty clear that $300 came out of my savings into my checking. The trustworthiness of a financial tool to give you good data seems like it would be vital. Unfortunately, I find myself directly, checking the numbers and transactions in my banking app because I have stopped trusting Monarch to tell me the truth. Worst of all, it seems that Monarch opted me into AI analysis of my finances even though I specifically hit cancel every single time I accidentally clicked on that stupid AI logo. I don’t trust the slop. I don’t want them to use my data to train their models. I can’t trust the basic features. I can’t trust them to not mine my data. I can’t trust the budget feature. Why am I paying for this? I have contacted support and added suggestions to their built in suggestions feature, but at this point I’m giving up on Monarch. I feel like I wasted my money.

12. ★★★★★негативный опыт без конкретной причины· без конкретики

    Doesn’t work if you use credit cards. This app is much more like a money spend tracker than an actual budget. It’s passive, it lets you work off of projected income (so it will let you bounce a check, because you never know how much money you have available at any given moment). Worst of all, it’s not really compatible with credit card usage. Let’s say you spend $300 on groceries on a credit card. You categorize the expense, but it never tells you how much you have available to pay on your credit card. It’s bonkers. Not a real budgeting app, imo. It’s fine if you want to see like, how much do I spend on groceries every month, but not really designed for managing money.

13. ★★★★★подписка и платные ограничения

    Charged me without warning!. I had downloaded this app and plugged everything into it but never really made any sense of the way the app flows. It is about 3 days behind the other budget app I was comparing to. I was going to cancel because I do not like the UI at all here compared to others. I would love a refund of my yearly subscription like you said you’d warn me before the charge. Seems predatory.

14. ★★★★★подписка и платные ограничения

    Developer spams reviews. Developer spams reviews “All” only goes back 18 months. “Amazon sync and our enhanced referral program” “Are you sure?” “A new home for hidden transactions” “Enjoying Monarch?” “An update to hidden transactions” Start 2026 ahead of the game. Keeps resetting to the dashboard view. Unable to use password apps. Meet your new AI assistant. Identified March 08, 2026 at 10:15 AM We have identified an issue with processing upcoming invoices. Processing subscription payments may be delayed. “New personal and shared views” spam blocks app, making it useless. “Enjoying Monarch?”

15. ★★★★★негативный опыт без конкретной причины· без конкретики

    Poor for investment. Good for expenses. Very poor for investment. To get any meaningful look at investment you have to pay extra and separate. Scam in my opinion

16. ★★★★★неточные результаты и неверные данные

    Doubled CC transactions?. Enjoying the app but my credit card transactions are showing up twice for every purchase in the cash flow view of the app. Going to accounts everything looks correct. My review can change if this is fixed but if the cash flow and budgeting are inaccurate then what’s the point of spending money on this app. Please fix! I want to use your features

17. ★★★★★подписка и платные ограничения

    Took money after canceling during free subscription!. Have to put your card info in to start the 7 day free subscription to even use the app. I hated the app so I unsubscribed on the apple subscriptions and yet after the 7 days it took my money! Requested money back and no response!

18. ★★★★★негативный опыт без конкретной причины· без конкретики

    No customer service. In today’s day and age you need to have a reliable way to get in contact with your customer service besides resorting to begging an AI thing to get you a real person and having to message them on Instagram

19. ★★★★★подписка и платные ограничения

    Its a Subscription. Disappointed to open the app only to find that you immediately need to sign up for a subscription in order to use it.

20. ★★★★★подписка и платные ограничения

    App Great - Support not so much. Great powerful app when it works. The lack or response from support when paying 100 per year is extremely disappointing and forcing me to change.

21. ★★★★★подписка и платные ограничения

    Upgrade is a joke. In order to upgrade to their Plus subscription, you must go to direct billing. You can’t do that unless you cancel your Apple billing. Great, but if you are a couple months into your subscription, you have to wait 10 months to upgrade? What kind of idiotic business decision is that to prevent customers from giving your more money. Time to find a replacement.

22. ★★★★★блокировка или удаление аккаунта без объяснений

    Bank Info Leak. Not sure how much it correlates but after downloading this app no more than a week after my bank account information was stolen and someone tried to open a credit card in my name

23. ★★★★★подписка и платные ограничения

    Super Sketchy to cancel. They hid the “manage subscription” button on the website version of monarch on my phone (aka in app and on my laptop I could not get to the manage subscription button under the billing tab)

24. ★★★★★негативный опыт без конкретной причины· без конкретики

    Too many disconnected institutions. Unfortunately too many institutions get disconnected. Not really useful when you try to consolidate your assets in one single tool.

25. ★★★★★негативный опыт без конкретной причины· без конкретики

    So manual and hard to collaborate. Unbelievable how bad the pre-determined categories are. How hard is it to google the name of a merchant and know what they sell? Also so remarkable hard to collaborate with your spouse. So diasspointing

26. ★★★★★негативный опыт без конкретной причины· без конкретики

    Doesn’t work. I tried to add my bank through the app and the web. Although my bank is in the drop down and I have the correct bank info I got stuck on matching the pictures. I also tried the troubleshooting page. I could not find a way to speak to a live agent. Not worth all the effort.

27. ★★★★★не хватает нужной функции

    Disappointed in the addition of Plus. Loved the app retirement planning should have been a core feature not tied to business on plus most likely will switch

28. ★★★★★вход, регистрация и доступ к аккаунту

    Can’t login in via Google on iPhone. It’s been months and cannot login in on the iPhone

29. ★★★★★негативный опыт без конкретной причины· без конкретики

    Retirement forecast should be part of core. Retirement forecast should be part of core

30. ★★★★★подписка и платные ограничения

    Bait and switch paywalled. They promised new features for months taking feedback from the community of paying customers. When push comes to shove… they slam the new features behind a paywall three times more expensive than the current product. So long monarch you have ruined the trust and goodwill you had.