Training Example: Monarch – Review the Data, Give Your Score & Compare to the Real AI Evaluation

[H3] The modern way to manage money
Budget, track your progress, and plan for the future—all in one app.Unlock better money habitsWhat is Monarch?
[H1] Your home base for money clarity
Monarch simplifies finances by bringing all your accounts together into one clear view. Always know where your money is and where it's going, achieve your goals quicker, and collaborate with your partner or professional at no extra cost.
[H2] Everything you need, all in one app
Connect your accounts and Monarch will do the heavy lifting to categorize your finances. From there, you can track, budget, collaborate, and set goals specific to you.TrackBudgetCollaboratePlanTrack
[H5] Know where you stand
From your net worth to day-to-day spending and cash flow, feel confident about where you’re at.Learn moreTrack
[H5] Know where you stand
From your net worth to day-to-day spending and cash flow, feel confident about where you’re at.Learn moreBudget
[H5] Budgeting that fits your life
Create a budget that flexes to your needs - and not the other way around - so you can stay focused on the things that matter most.Learn moreCollaborate
[H5] Make smart money moves together
Invite your partner to see your full picture, budget together, and reach your goals faster (and with more high fives).Learn morePlan
[H5] Set goals (and crush them)
From planning a vacation to a home remodel — track your goals and adjust your cash flow to make sure you stick the landing.Learn moreNet Worth
[H2] All your accounts, in one place
Connect all your bank accounts, credit cards, loans, real estate, and investments to see your entire financial picture in one place. When you and your partner both sync your accounts, you’ll get a shared view of your finances—making it easier to stay aligned and plan together.Transactions
[H2] Every transaction in one list
Monarch brings all your transactions into one clean, searchable list—no more jumping between apps or bank websites. You can mark transactions as reviewed to stay on top of your spending and quickly spot anything unexpected.Recurring
[H2] Take control of your subscriptions
Monarch automatically detects your recurring subscriptions—like streaming services, gyms, or app memberships—so you never lose track of what you’re paying for. It’s an easy way to spot forgotten charges and take control of your monthly spending.Reports
[H2] Visualize the flow of money
Dive deep into your finances with customizable charts that reveal where your money’s going. Whether you're tracking spending trends, income, or net worth over time, reports help you turn raw data into insights you can act on.Goals
[H2] Your goals, on track
Create a clear plan to save for what matters—whether it’s a home, a vacation, or a rainy day fund. Set targets, track your progress, and stay motivated as you watch your savings grow over time.Apps
[H2] On every device, always in sync
Monarch works seamlessly across web, iOS, and Android—so you can check in on your money anytime, anywhere. Whether you're planning on a laptop or reviewing your budget on the go, your finances are always in sync and ready when you are.Syncing
[H2] Best-in-class data connectivity
Monarch syncs with multiple financial data providers, more than other apps, to connect with 13,000+ financial institutions and keep them in sync.
[H1] What our members say
“I love everything about this app. Building a budget is easy, tracking spending is awesome, and everything I wanted in an app this can do! So easy and flexible.”App Store Review“Because of this app, I feel like I am not winging it financially anymore and feel on top of my spending.”App Store Review"Finally a financial dashboard that allows for intuitive customization but also has a powerful set of pre-built functionality! Safe to say we’ve become more aware of our financial situation and made moves toward progress since joining Monarch Money."App Store Review“I love how many features (bill calendar, cash flow manager, easy budgeting, goal setup and tracking, etc) allow you to get a crystal clear picture of where you stand each month.”App Store Review"Mint shutting down was a blessing in disguise. Monarch is way better and the connections to institutions way more reliable than Mint. Extremely happy with this app."App Store Review“It’s ability to recognize recurring bills is incredible, [and] makes me less anxious worrying that I’ll miss something. Run, don’t walk!”App Store Review"This app is so much better than any of the others I’ve tried. My favorite feature is assigning transactions for review which really helps me stay on top of each purchase."App Store Review"I have tried and used many budgeting apps — Mint, copilot, rocket money— and Monarch is by far the best one. I love the customization and monthly overviews. I feel more in control of my finances."App Store Review"Monarch has been a game-changer for how my wife and I manage our finances. It’s transformed our money conversations from stressful guesswork into a clear, shared plan of action."App Store Review
[H3] "Monarch Money is the best budgeting app overall for 2024. It's the best for anyone looking to cut expenses and increase savings—especially couples or families."
Wall Street JournalThe 5 Best Budgeting Apps to Make Managing Your Money Easier in 2024
[H3] "I looked at Monarch Money, NerdWallet, Rocket Money, Quicken Simplifi, and YNAB (You Need A Budget). My top pick? Monarch Money. Monarch is more than just a budgeting app. It provides everything you need to manage your personal finances."
ZDNETI tested the best Mint alternatives, and this is my preferred money app
[H3] "It’s like if someone took notes on what my partner and my dreams are for a budgeting app and made them come true, from how easy it is to stay up to date on what we owe each other to the expansive cash flow section."
Elite DailyI Tried 5 Budgeting Apps For Couples & Found My $-Saving Holy Grail
[H3] "We like Monarch because you can customize your dashboard, choosing what you want to see and what you don’t. Monarch categorizes your transactions for you [and] allows you to collaborate with your partner or a financial advisor on your budget."
ForbesBest Budgeting Apps Of November 2024
[H3] "Monarch is consistently highly rated by users with a lot of financial balls in the air, including multiple credit cards, a 401(k), IRA, loans, etc., and minimal bandwidth to deal with them."
The CutIt’s Time to Try a New Budgeting App
[H3] "Monarch offers a ton of features, including customizable reports, goal tracking and the ability to manage all of your bills and subscriptions in one calendar. For no extra cost, you can invite your partner to your account and get a joint view of your shared finances. "
USA Today7 best budgeting apps of October 2024
[H2] Community resources
[H2] Community resources
[H5] Reddit Community
Join our growing community of 30,000+ Redditors. Ask questions and share feedback on what we’re building.r/monarchmoney
[H5] Our Blog
We share expert insights and data-backed research that helps you with your money questions whether big or small.Read nowPRICING
[H2] Try Monarch free for 7 days
See and manage your finances all in one place. No ads and best-in-class connectivity. Collaborate with your partner or advisor at no extra cost.View pricing
[H1] Track, budget, and feel good about your money with Monarch in your corner.
Get started today

Tracking
[H2] Tracking that doesn't feel like a chore
With your accounts all in one place, it's easier than ever to know where you stand - from your day-to-day spending to growing your net worth. Sign upNet worth
[H3] Chart your net worth over time
Bring together your bank accounts, real estate, investments, credit cards, loans, and more.Include your real estate property values by syncing with Zillow Zestimates.Filter and view assets, liabilities, and net worth reports in a way that’s most helpful to you.Transactions
[H3] See what's coming and going
Easily search for any transaction, across all your accounts.AI categorization of your transactions gives you insights you need, without the heavy lifting.Swipe to quickly review or edit transactions as they come in.Reports
[H3] Reports and charts that are as powerful as they are beautiful
Endless report options, from spending by category to the fan favorite Sankey diagram.Slice and dice reports for insights that will help you make smart money moves.Zoom out for the big picture, or zoom in on specific time frames, category level spending, and more.Recurring
[H3] Always know what's around the corner
View your bills and subscriptions as either a calendar or a list, all in one place.Get reminders to help you master your cash flow and never miss a payment.Keep an eye on subscriptions so you can cancel what you no longer need.Investments
[H3] Your diverse portfolio of investments, together in one place
Including individual stocks, mutual funds, 401ks, ETFs, crypto, and more.Identify top movers and determine where to invest next.See your investment allocation and adjust your risk profile as needed.Dashboard
[H3] Your home base for money clarity
Customize your dashboard so the important stuff is front and center.Drag and drop widgets including net worth, recent transactions, investment performance, and more.Swipe through your monthly review for quick insights on your cash flow and expenses.
[H2] Connectivity you can count on
Monarch syncs with multiple financial data providers, more than any other app, to connect to your accounts and keep them in sync.
[H2] FAQs
[H3] How is my net worth calculated?
[H3] How do I customize my dashboard?
[H3] How does Monarch define what shows up on my Recurring page?
[H2] Keep Exploring
[H2] Keep Exploring
[H5] Budgeting
Slice and dice your money and make sure it’s going to the right places.Explore
[H5] Collaborating
See why Forbes calls Monarch “the best app for couples.”Explore
[H5] Planning
Set goals, share them with partners, and track progress.Explore
[H2] Track, budget, and feel good about your money with Monarch in your corner.
Get started today

[H2] Why pay for a personal finance app?
If you're wondering how you should best manage your finances, we encourage you to consider a subscription-based app instead of a free one. Here's why:Never any adsWhen you are paying for a service, you are the customer. Free services are incentivized to sell your data to advertisers and build features that make you click more ads, not features that actually help you.Industry-best data connectivityPersonal finance apps are only useful when they are able to sync with real-time data from all of your accounts. Free services can't dedicate the same amount of resources to data quality, resulting in stale information.We never sell your financial dataYour financial data is extremely sensitive. It's also extremely valuable to advertisers. Companies with free offerings rely on selling this data to advertisers for profit. But not us.We’re not going anywhereTrusting a new personal finance app is a commitment, one we take seriously. Our revenue comes directly from our members, ensuring we develop features you’ll love and grow a healthy business while doing so.
[H2] Everything you need to manage your money, all in one place
Whether you’re just getting started or want to plan further ahead, Monarch has a plan that fits your needs. 4.9100,000+ reviews
[H2] The reviews are in
“No resource has helped me better understand how to handle money, honestly. You all have made a fantastic product that is well-worth the price. Thank you, thank you, thank you!”“This is the app I’ve always wanted. Well worth the price!”“Monarch Money may cost $99 a year, but it is feature rich and well worth the price. Their flexibility with budgeting by category or group is amazing…and the concept of a “family” or “household” allowing for flagging transactions as “Needs Review” and assigning to a family member is the cherry on top.”"Worth every penny! Great features that are always getting added. Even better customer service!""I thought Mint was the best but turns out Monarch is even better!!! I just love everything about this app, the budgeting, the cash flow, reports. Gives me amazing insights into my finances and well worth the extremely reasonable price tag!""Love the interface and ease of use and absolutely love the ad-free experience. Happy to pay a reasonable price for value and know the I’m not the product being sold to advertisers. Wish I would have found Monarch sooner."
[H2] FAQs
[H3] What is the cost of a subscription?
[H3] What's included in the Plus tier?
[H3] What if I sign up, but decide Monarch isn’t right for me?
[H1] Track, budget and feel good about your money with Monarch in your corner
Get started today

For Couples
[H3] Stay on the same page about money
Create a shared view of your finances, track progress together, and make money check-ins a breeze.
[H3] Your entire household in a single dashboard
Get a full picture of your finances by bringing separate and joint accounts together, all into one view.Know how you spend as a household, no matter who makes the purchase.See how your net worth grows together over time.
[H3] Collaboration made easy
Tag your partner to review transactions and be sure everything looks right.Make money check-ins quick and easy with a monthly summary and interactive reports.Partner on a budget that gives you both the flexibility to spend on what's important to you.
[H3] Go further, together
Align on goals you feel good about and track progress along the way.Contribute toward goals together in Monarch, even if you keep your money in separate accounts.Use reports to see trends in your household spending and identify easy ways to save.
[H2] More ways to collaborate with Monarch
Invite your advisor, coach, or tax professional to Monarch, to get input from the pros without the heavy lifting.Sign up
[H3] "We like Monarch because you can customize your dashboard, choosing what you want to see and what you don’t. Monarch categorizes your transactions for you [and] allows you to collaborate with your partner or a financial advisor on your budget."
ForbesBest Budgeting Apps Of November 2024
[H3] "Monarch Money is the best budgeting app overall for 2024. It's the best for anyone looking to cut expenses and increase savings—especially couples or families."
Wall Street JournalThe 5 Best Budgeting Apps to Make Managing Your Money Easier in 2024
[H3] "It’s like if someone took notes on what my partner and my dreams are for a budgeting app and made them come true, from how easy it is to stay up to date on what we owe each other to the expansive cash flow section."
Elite DailyI Tried 5 Budgeting Apps For Couples & Found My $-Saving Holy Grail
[H3] "Monarch offers a ton of features, including customizable reports, goal tracking and the ability to manage all of your bills and subscriptions in one calendar. For no extra cost, you can invite your partner to your account and get a joint view of your shared finances. "
USA Today7 best budgeting apps of October 2024
[H2] FAQ
[H3] How does Monarch work for couples? Does it cost extra to add additional household members?
[H3] What can my partner see in my shared account?
[H3] Can we set up joint budgets and goals?
[H2] Track, budget, and feel good about your money with Monarch in your corner.
Get started today