The short answer
Monarch Money does have a genuine discount. The one real saving is listed below.
Checked on 21 July 2026.
Ways to actually pay less
- promo route
- Saves 30% off the first year. 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. Check the terms.
Codes that do not work
Coupon aggregators list Monarch Moneycodes that are either long expired or were never real. A common pattern is a referral link presented as a discount, and another is an "up to 70 per cent off" claim that resolves to the annual price everyone already pays. If a code is genuine, it is normally on the company's own site, which is where we checked.
The cheapest legitimate price
$99.99 per year, as of 21 July 2026. Full tier breakdown.
What Delphina costs, for comparison
Delphina's Free plan is £0 with no card and no expiry, and Wealth Builder is £9.99 a month. We do not run discount codes either, so that is the real price.
Different tool, and worth comparing on what it does rather than on price alone. See Delphina's pricing
More on Monarch Money
Monarch Money: common questions
Yes. 30% off the first year, though 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.. Checked on 21 July 2026.
Delphina's free tier is £0 with no card and no expiry, and Wealth Builder is £9.99 a month billed in pounds. The trade-off is that it is a UK pension, ISA and tax planning tool rather than the job Monarch Money does for us couples who want one shared view of budgets and net worth, so compare it on what it does, not on price alone.