The scores
Monarch Money scores 2.1 out of 5 on Trustpilot from 24 reviews, on an unclaimed profile. Read the volume alongside the score before drawing conclusions from it.
Review scores by platform
Trustpilot
2.1/ 52.1 out of 5
Based on 24 reviews, on an unclaimed profile.
Retrieved 21 July 2026.
Read Monarch Money reviews on Trustpilot(opens Trustpilot in a new tab)
Scores are whatever the platform showed on the date given. They move.
What reviewers praise
- Reviewers who stay like the shared household view and the clean design
- Monarch's own site advertises a 4.9 rating from over 100,000 app store reviews, which is a vendor claim rather than an independent one
What reviewers complain about
- Bank and brokerage connections breaking, with Fidelity named repeatedly
- Duplicate transactions from certain card providers
- Customer support response times
In reviewers’ own words
“I liked Monarch when I first started using it, but it has so many problems that it has become unusable.”
What reviewers keep asking for
- Nothing that models UK pensions, ISAs or UK tax
- No answer for a UK household on whether they can afford to retire
- Scenario planning locked behind the more expensive tier
How it compares feature by feature
This page is about what users say. For the feature comparison, see Delphina vs Monarch Money.
What reviewers asked for that is missing
Those requests are roughly what Delphina is for. It is UK-first, so pensions, ISAs and UK tax are the default rather than a workaround, and the projections run to retirement rather than to month end.
It is not a replacement for what Monarch Money is good at, and plenty of people sensibly run both. The free plan is £0, no card.
More on Monarch Money
Monarch Money: common questions
Yes. Monarch Money is an established product in the budgeting category, with 24 reviews, on an unclaimed profile on Trustpilot.
Bank and brokerage connections breaking, with Fidelity named repeatedly. Duplicate transactions from certain card providers. Customer support response times.
No. Reviewers raise this directly: nothing that models uk pensions, isas or uk tax. Delphina is built around them, if that is the gap you are trying to close.
Read the volume as well as the score. Trustpilot shows 24 reviews, on an unclaimed profile, and a score built on a small number of reviews moves a long way on a handful of opinions. The same caveat applies to every product in this category, ours included.