What Monarch Money costs
Monarch Money charges $99.99 per year, rising to $199.99 per year on the top tier. There is no free plan below that. Verified 21 July 2026.
The plans, side by side
| Plan | Price | Included | Not included |
|---|---|---|---|
| Core | Price$99.99per year | Included
| Not included
|
| Plus | Price$199.99per year | Included
| Not included
|
- Free tier: no.
- Billing currency: Monarch bills in US dollars. A UK card pays an FX fee on top at every renewal.
Prices taken from Monarch Money’s own pricing page(opens in a new tab), checked 21 July 2026.
What Delphina costs
Priced in pounds, billed monthly, cancel whenever. No percentage of your pot.
- Free
- £0per month
- Wealth Builder
- £9.99per month
- Investor
- £19.99per month
Full Delphina pricing (https://delphina.money/pricing)
Which plan you would actually be on
- Core at $99.99 per year is the tier that covers budgeting and spending tracking.
- Plus at $199.99 per year is the tier that covers everything in core.
Monarch Money suits us couples who want one shared view of budgets and net worth, so that is the lens to pick a tier through.
What the price does not cover
- Monarch bills in US dollars. A UK card pays an FX fee on top at every renewal.
- Retirement and what-if modelling
- Business income tracking
- UK pension, ISA and tax modelling
Feature by feature
This page is about price. For the feature-by-feature comparison, see Delphina vs Monarch Money.
Where Delphina fits
Delphina's Free plan is £0 with no time limit and no card. Wealth Builder is £9.99 a month, Investor £19.99, both billed in pounds.
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
Monarch Money costs $99.99 per year. Prices were checked on 21 July 2026.
No. Monarch Money has no free tier, so the cheapest way in is $99.99 per year, after the 7 day free trial.
Monarch bills in US dollars. A UK card pays an FX fee on top at every renewal. The size of that fee is set by your card issuer, not by Monarch Money, so check your card's terms.
The decision-relevant difference is that Plus adds everything in core. Core covers budgeting and spending tracking.
There are cheaper tools in the budgeting category, though most trade away something Monarch Money does well. Delphina has a free tier at £0 with no card and no expiry, and Wealth Builder at £9.99 a month; the trade-off is that it is built around UK pensions, ISAs and tax rather than the job Monarch Money does for us couples who want one shared view of budgets and net worth.