Monarch Money Budgeting App Review

Here's an honest review of Monarch Money. Click ‘more' to see my recommended money tools.
Best Budgeting Apps: • BEST Budgeting Apps 20...
Try Monarch Money: bit.ly/48nhg8L
Best Budgeting Apps: • BEST Budgeting Apps 20...
⬇️ RECOMMENDED TOOLS ⬇️
ONLINE SAVINGS/BANKS:
⭐ SoFi Banking: bit.ly/3thoNqY
⭐ SoFi Credit Card: ​​bit.ly/3TPjzOc
⭐ Ally Savings: bit.ly/48nuPWt
⭐ Marcus Savings: bit.ly/marcusonlinesavings
⭐ Wealthfront Savings: bit.ly/41Mr8XG
BUDGETING APPS:
⭐ Monarch Money: bit.ly/48nhg8L
⭐ Tiller: tidd.ly/3t4p0Oa
⭐ Simplifi by Quicken: bit.ly/48zTHdE
⭐ EveryDollar: www.ramseysolutions.com/ramse...
FREEBIES
⭐ 101 Ways to Save $: bit.ly/tosavethousands
⭐ Money Saving Challenges: bit.ly/moneysavingschallenges
CASH BACK APPS
💵 Rakuten: bit.ly/rakutenaccount
💵 Ibotta: bit.ly/ibottaaccount
💵 Fetch: bit.ly/fetchcashback
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The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

[@BrittanyFlammer]

Try Monarch for 30 days free here: bit.ly/48nhg8L

[@whynottoday7304]

It says the code is no longer valid. Doesn't encourage me to try them if they can't give me more than 7 days to evaluate...

[@pablobulldog]

This took me to the Monarch site with a poster mentioning the 30 day trial. But, when I signed up, it would only process my membership as a 7 day trial. Do you have a different discount link? Thanks!

[@chrislowepro]

This referral code is no longer valid.

[@BrittanyFlammer]

@chrislowepro Here's an updated one that will work: bit.ly/48nhg8L

[@chrislowepro]

@@BrittanyFlammer Ah it says 30 days after I click the link and then it changes to 7 days on the following page. Nevermind, I will just try for 7 days. Thanks for the quick reply Brittany!

[@zSkiTz]

I really appreciate how honest this review was. For me, the biggest thing is a simple UI.

[@user-tu8fo2do1e]

If you have a Walmart+ account, they are offering 6 months free right now. That’s why I’m watching this video, thanks for the info.

[@BrittanyFlammer]

I didn’t realize Walmart + was offering that- that’s awesome!

[@jasbirkapoor]

How to get Walmart+: I'm from Canada. Thanks!

[@krstldwn]

thanks for this heads up! I just grabbed mine as well

[@user-bq1sn3pj9u]

I would love some more detailed tutorials on the monarch money features. I find your explanations always very helpful :-)

[@BrittanyFlammer]

Thanks!! I’m thinking of doing some- if there’s something specific you want feel free to reach out and let me know.

[@Celesica]

Thank you for this review! I'm using Monarch Money right now and loving every feature. My only issue at the moment is connection issues with some Canadian banks, but hopefully they get sorted out in the future~

[@BrittanyFlammer]

Thanks for sharing- I’m glad you’re loving it! Hopefully they continue to fix those connection issues!

[@andrewcowie6436]

I used the same microphone your using, and I switched to the DJI Mic, HUGE Difference, I struggled to hear you. :) But LOVED the video thank you very much!

[@BrittanyFlammer]

Good to know- I’ll have to look into that microphone

[@reimagine_life]

Thank you for such a helpful review! I'm running into a problem where my income for the month comes into my bank on the last day or second to last day of the previous month. So when I click on a monthly view, it looks like I don't have any income for that month (until the last day). Is there any workaround for this in Monarch? I clicked on this video because I watched another of your videos that recommended Monarch for people with inconsistent income.

[@BrittanyFlammer]

That makes complete sense. You can edit transaction dates so they will reappear in the following month. For example...if you got paid Feb 28, but you want the income to count for March, you could open up the transaction and change the date to March 1 - then it would appear as March income. The downfall of this is that you'd have to manually do that every month - I don't know of a way to automate. You could also as Monarch directly if they have a better solution. When you're logged in go to >Help and Support >Contact Support > then click 'get help from a human'. This will allow you to message them directly.

[@luisgonzalez8415]

Appreciate the review. Like many I am a Mint user looking for a new option. But... I mainly need it for categorizing transactions and giving me "accurate" breakdowns for the end of the year when I do my expenses sheet for taxes. Would you recommend Monarch or another app or website?

[@BrittanyFlammer]

Pretty much all of them let you export your transactions to a CSV file. IT's not perfect, but they'll give you all the basic info for each transaction (date, amount, category, etc...) and then you can tweak it to what you want for tax purposes. Simplifi and Monarch are probably the best for visually looking at your spending at the end of the year.

[@1kelleejr]

Thanks for the video! I'm in the process of switching from Mint. Any help on figuring out available balance in a checking account? I'm adding pending charges but it doesn't change my account balance.

[@BrittanyFlammer]

Hmm…I’m wondering if pending charges aren’t included? I’ve never looked into this. I will look into it, but if you’ve already figured it out let me know!

[@1kelleejr]

Thanks for your response. I’ve got a ticket from their support and will let you know if I hear anything.

[@jasbirkapoor]

Hello, the link you provided for a 30-day free trial has expired. Do you have any other code?

[@BrittanyFlammer]

Sorry - I don't know why they keep changing it. Here's an active one: bit.ly/48nhg8L

[@Bettie_Noir]

Thank you for this. I’d love some how to videos. You mentioned you can add your VIN number to track your car value but I don’t see where to do that.

[@BrittanyFlammer]

For adding your VIN number....go to Accounts

[@Bettie_Noir]

@@BrittanyFlammer thank you! I did try that but I get an error message so wasn't able to connect. I think they have connectivity issues from what I've heard.

[@BrittanyFlammer]

@Bettie_Noir oh shoot! I’m sorry

[@civichook7515]

Does Monarch or any other budgeting app allow you to budget just for your 2 week pay period instead of a month?

[@BrittanyFlammer]

Most of the apps are set up for a monthly budget. EveryDollar premium has a paycheck planner feature that helps you visualize when the money comes in/out. If you want to see what that looks like you can check it out here: kzbin.info/www/bejne/eqLQkmh-gNOWgbMsi=LzMPGzxBhez8q6k4 Every Two is an app that will let you specifically budget for your two week pay period, but it has some shortcomings.

[@civichook7515]

Thanks! I’m using Simplifi right now. My first budget app. The issue I’m running into is it says I have x amount of money left to spend, but in reality I don’t because my paycheck towards there end of the month covers some of the bills at the beginning of the next month, so I’m not sure how to balance/handle that. I like to know exactly what I have and how much I’ll have later. I also am using an excel spreadsheet to track bi weekly.

[@BrittanyFlammer]

@@civichook7515 Yes - this is an issue with a lot of budgeting apps. There are several options for handling this: 1. Having a buffer in the checking account (ideally 1 paycheck's worth) so you don't have to worry about the dates of your pay. 2. Re-assigning the due dates of your bills. For example...half your mortgage/rent come out after your 1st paycheck, then have utilities/other bills come out after your 2nd paycheck. Unfortunately, I don't see a good way to handle this with Simplifi.

[@matthewhall6744]

I cannot get the 30 Day trial to work

[@BrittanyFlammer]

Sorry…the link they gave me expires every 24 hours. I’ve reached out to them to get a permanent link.

[@Crackers6]

Thanks. Good review and I'll try it. As an aside, whatever lavalier mic you're using makes it sound like you're in a closet or cave. Hard to listen to.

[@BrittanyFlammer]

Let me know if you like Monarch. Thanks for the info on the mic. I've been testing a bunch of different ones to find a better one.