Monarch - The modern way to manage your money

Hi folks! I’m Val, one of of the co-founders of Monarch. The personal finance problem is near and dear to me, as I was the first product manager on the original team that built Mint over 13 (!) years ago. Despite that (and having tried every personal finance app since) I found that my wife and I were still manually updating spreadsheets to manage our household finances. We set out to solve that problem with Monarch. We’re often asked “How is Monarch different from other personal finance apps?”. Here are some of the things that make Monarch unique: 1) Many apps are good at showing you what happened to your money historically, but by then it’s too late to make any changes. Monarch helps you create a financial forecast (or plan) toward your goals, and then follow that plan. Unlike a spreadsheet, your plan stays up to date in realtime. 2) Personal finance apps are only as good as their underlying data. We’ve built Monarch to work across multiple data aggregators and automatically route you to the best aggregator for a given financial institution. We are continuously investing in this area. 3) We have a transparent, subscription-based business model. We set out to build the best product in the personal finance space and believe in the “you get what you pay for” mantra. We don’t show ads nor sell your data, and we’re obsessed about your privacy. 4) We’re customer obsessed. Because we’re paid by our customers instead of advertisers, we listen to what our customers want and then build it. (Crazy, huh?). We have daily calls with Monarch customers and publish our roadmap so that people can suggest and vote on features. 5) We’re multi player. Managing your finances is often a multi person activity. Monarch makes it easy to securely add multiple people to your account, such as a partner, financial advisor, or accountant. 6) We’re multi-platform. Sometimes you want to manage your money on your phone, sometimes you want to sit down at a computer and dig into the details. Monarch supports both with our mobile (iOS, Android) and web app. Finally, we’re just getting started. We have a lot of exciting things planned (Crypto support coming soon!). We hope you’ll check us out! Sign up on our website with promo code PRODUCTHUNT20 to get 20% off forever.

Hey everyone, I'm Jon, one of the co-founders of Monarch. We’re building Monarch into the best platform to manage your personal finances. We launched earlier this year on web, iOS, and Android, and have been rapidly improving the product based on user feedback ever since. Give Monarch a try and let us know what you think! Use the promo code PRODUCTHUNT20 to get 20% off forever (you’ll need to redeem this coupon on web to get the discount). P.S. Thank you @chrismessina for hunting us!

After my wife and I had our first kid, we found ourselves with a bunch of financial questions. What will our expenses look like now? How much do we need to save? What if one or both of us decides to take time off (or work on a start-up)? We tried all the products/tools we could find, but ultimately nothing helped. We ended up in a spreadsheet doing the math together. Money is one of the most stressful parts of most people's lives, behind all sorts of morbid statistics (one of the top drivers of stress, depression, divorce, suicide). We built Monarch to help you make sense of your finances, then figure out a plan and actually stick to it. We abstract away the nitty-gritty, but leave you in control. We build Monarch with no ads, no selling your data, no tricks—I've worked on enough "free" (aka ads-monetized) products to understand the underlying tensions. Especially when it comes to money, you don't want a product where your interests compete against those of advertisers.

Love your product been using it for 3 months now. I couldn't be happier! I love how all the user feature request are public and can be voted on. The transparency is one of the reasons I love you guys so much! Keep up the fantastic work! Also your design is top notch!

I'm the ex-UX lead and Mobile PM from Mint.com and worked alongside @valagostino. I'd been looking forward to this for 10 years and it exceeds everything I had hoped for. Turns out you get what you pay for, go figure. My family has been using it for over half a year and it's the mint 2.0 we all wanted. little tweaks that just make things so much easier, actual customer support, and better "auto-pilot." But most of all, an actual solid business model that aligns with user need.

Nice to have everything personal finances-related in one place, but bank integrations are somewhat of a headache most of the times. If you get that flowing, that's great!

I really like the design of Monarch! I wish the product supported per account access control for multiplayer.

The application seems to be wonderful!

Looks incredible!! Congrats!! Can't wait to try it out

mad props to val, ozzie, and jon - great work!!!