The five year number
Five years of Monarch Money comes to $499.95 on Core. That assumes the cheapest billing period at the current price, with no price rises. Verified 21 July 2026.
Year by year
| Time held | Monarch Money | Delphina |
|---|---|---|
| After 1 year | Monarch Money$99.99 on Core, or $199.99 on Plus | Delphina£119.88 |
| After 3 years | Monarch Money$299.97 on Core | Delphina£359.64 |
| After 5 years | Monarch Money$499.95 on Core | Delphina£599.40 |
Delphina Wealth Builder at £9.99 a month, held flat.
Costs that are not on the price list
These do not show up when you sign up, but they show up on your statement.
- Hidden cost: FX fees at every renewal, because billing is in US dollars
- Hidden cost: The seven-day trial takes a payment method up front, so forgetting to cancel costs a full year
- Hidden cost: Scenario planning sits behind Plus, which doubles the price
Figures based on Monarch Money’s published prices(opens in a new tab), checked 21 July 2026.
What you are paying for
For us couples who want one shared view of budgets and net worth, that is a fair price. Genuinely good for couples and shared household finances. Clean interface with strong net worth and investment tracking.
A five year total always looks large written down. Judge it against what the tool actually changes, not against the headline on its own.
Plans and tiers
This page is about the running total. For the tier structure and what each plan includes, see Monarch Money pricing.
The same five years on Delphina
Delphina's Free plan is £0 for as long as you want it, no card. Wealth Builder is £9.99 a month, so five years is £599.40 if you stay on it the whole time, billed in pounds with no FX fee.
Monarch is a strong household budgeting app if you are American. For a UK household the ISA, SIPP and tax modelling simply is not there, and you are paying in dollars for it.
More on Monarch Money
Monarch Money: common questions
It is worth it for us couples who want one shared view of budgets and net worth. It is a poor buy for anyone who needs built for the us market, with us dollar billing and no uk tax logic, because that is not what it is built to do.
3 things are not on the pricing page: fx fees at every renewal, because billing is in us dollars; the seven-day trial takes a payment method up front, so forgetting to cancel costs a full year; scenario planning sits behind plus, which doubles the price.
Monarch bills in US dollars. A UK card pays an FX fee on top at every renewal. Any pound figure is an approximation at the exchange rate on the day, and that rate moves, so treat it as a guide rather than a fixed price.
Monarch states the trial requires a payment method and that you must cancel in settings before it ends, otherwise the full annual charge applies. Seven days is short, so set a reminder on day five.
30% off the first year, via promo billing. New users on the annual Core plan, using the code shown on Monarch's own pricing page. First year only, so the renewal is full price..
Free tools in this category generally give up either the depth or the account connections. Delphina's free tier gives up the deeper scenario modelling that the paid plans carry, but costs £0 with no card and no expiry.