If you have a New Year’s resolution to get more educated about your finances, a good budgeting app can help you with that. One of our favorites is a little cheaper to sign up for now: Monarch money It offers a 50 percent discount on annual subscriptions to new users. Use the code MONARCHVIP At checkout you get half off, so you’ll only pay $50 for one year of access.
Monarch normally costs $100 per year, but this deal reduces the cost for the first 12 months to $50 for new users.
Monarch Money was the runner-up in our guide to the best budgeting apps in 2025, and it was definitely among the best budgeting apps. Initially, we found the app experience to be unnecessarily complex compared to some of its competitors, but it’s overcome that hurdle and is impressively feature-packed. There are plenty of customization options, a useful “Goals” feature and a comprehensive monthly review summary that beats similar features from some of its competitors. We also like how you can give account access to others.
Besides the steep learning curve, we also noticed that the mobile app is less user-friendly than the web version, which could pose a problem if you hope to do most of your accounting work on the go. We also ran into some issues with the app failing to differentiate between bills and other recurring expenses, as well as a few bugs along the way.
All things considered, Monarch is definitely one of our favorite budgeting apps, bested only by Quicken Simplifi. As you might expect, more power simplification It is its simplicity, and how easy it makes it for you to use its various features. If you value this type of user experience, this may be a better option for you, but unfortunately there is no free trial to take advantage of.
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