Monarch — Collaborative personal-finance app (budgeting, net worth, investments, forecasting) for individuals and households; paid-only.. Pricing model: Paid-only consumer subscription (no free tier) with free first week; Core and Plus tiers. Value metric: Household/account subscription (flat).
At a glance
| Company | Monarch |
|---|---|
| What it does | Collaborative personal-finance app (budgeting, net worth, investments, forecasting) for individuals and households; paid-only. |
| Headquarters | USA (remote; city not verified) |
| Pricing model | Paid-only consumer subscription (no free tier) with free first week; Core and Plus tiers |
| Value metric | Household/account subscription (flat) |
| Pricing page | www.monarch.com/pricing |
Plans and prices
Core $14.99/mo or $99.99/yr (page shows these without clearly naming tier); Plus adds forecasting and deeper investment tools (price not shown); 7-day free trial; money-back guarantee.
Growth milestones
Monarch appears in our analysis of 2026's $100M ARR class. Figures are company-reported unless stated.
- 2026: Launched Monarch Plus premium tier; named to Fast Company Most Innovative Companies. (source)
- 2026-10-02: Hit $100M ARR with 1M+ active members; acquired MBI (formerly HMBradley), whose CEO leads new Monarch Labs; backers Accel, Menlo, Forerunner, FPV (valuation not disclosed). (source)
How it grows
Positioned as the paid, ad-free alternative to free finance apps (the pricing page argues for paying over free); collaborative household use; promo codes (30% off Core first year for new users); annual-plan discount; acquisition (MBI) to build new products.
What you can steal
subscription model choice
Charge from day one and explain why ('you're the customer, not the product'): paid-only can win where free competitors monetise users' data.
churn & retention
Push annual plans (~44% cheaper than monthly) to lock in a year of retention.
network effects
Collaborative features (partners sharing a household budget) make the product more valuable and harder to cancel.
Sources
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Robert Coorey, MBA
Robert is the author of The Subscription Playbook and Feed a Starving Crowd and a Director at BPAG Accountants in Sydney. More about Robert.