{"slug": "monarch-money", "name": "Monarch Money", "category": "finance", "category_name": "Finance", "description": "", "recommenders": 6, "commenters": 9, "warners": 2, "score": 3.042, "rising": -1.96, "first": "2025-11-21", "latest": "2026-08-22", "why": "Monarch Money is incredibly smooth and functional considering the complexity.", "why_is_quote": true, "has_verdict": false, "sentiment": {"recommend": 6, "neutral": 2, "compare": 0, "warn": 2}, "spark": [4, 0, 0, 0, 0, 0, 0, 1, 1, 0, 0, 0], "listed": true, "loved": [], "caveat": "", "short_quote": "Monarch Money is incredibly smooth and functional considering the complexity.", "kind": "", "icon": true, "domain": "monarch.com", "github_repo": null, "official_url": "https://www.monarch.com", "pricing": "", "aliases": ["Monarch Money", "Monarch"], "verdict": null, "praise": [{"label": "", "summary": "", "quotes": [{"id": 784375137, "item_id": 49023446, "url": "https://news.ycombinator.com/item?id=49023446", "by": "rgbrgb", "date": "2026-07-23", "version": null, "stance": "recommend", "quote": "Monarch Money (love this product!)", "excerpt": "hey hn, I wanted to share a side project we\u2019ve been using and iterating at Hedgy for the past couple weeks. It\u2019s our take on a self-hosted company brain that is powered entirely by our claude subscriptions. It includes a ClickHouse data lake for ingesting data and light knowledge infrastructure for storing knowledge about the data (e.g. this is how we count a user as active, check column X when determining LTV). This", "context": "", "use_case": "family finance tracking", "switched_from": "", "story": null}, {"id": 775780256, "item_id": 48486266, "url": "https://news.ycombinator.com/item?id=48486266", "by": "paytonjjones", "date": "2026-06-10", "version": null, "stance": "recommend", "quote": "Monarch Money is incredibly smooth and functional considering the complexity.", "excerpt": "Monarch Money is incredibly smooth and functional considering the complexity. Maybe it benefits from the comparison with the mess that was Mint though, haha.", "context": "", "use_case": "personal finance", "switched_from": "Mint", "story": "Ask HN: What software feels exceptionally polished?"}, {"id": 736657264, "item_id": 46041079, "url": "https://news.ycombinator.com/item?id=46041079", "by": "yaksha", "date": "2025-11-24", "version": null, "stance": "recommend", "quote": "I've been using Monarch (https://www.monarch.com/) as a replacement for Mint.", "excerpt": "I've been using Monarch (https://www.monarch.com/) as a replacement for Mint. It's been decent enough that I haven't tried looking for something else.", "context": "", "use_case": "personal finance tracking", "switched_from": "Mint", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736239536, "item_id": 46014971, "url": "https://news.ycombinator.com/item?id=46014971", "by": "adverst", "date": "2025-11-22", "version": null, "stance": "recommend", "quote": "It's fantastic as a more general personal finance/budget tracker.", "excerpt": "I use monarch, I don't think it is very good as an 'investment tracker' (what wealthfolio claims to be). It's fantastic as a more general personal finance/budget tracker. For example - I have to reclassify loads of transactions for it to track close to correctly. Say treasuries - purchase at a discount, then at maturity redeem for full amount. You can enter them as buy/sell, but then it wont properly report to cashfl", "context": "", "use_case": "Personal budgeting", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736147200, "item_id": 46009200, "url": "https://news.ycombinator.com/item?id=46009200", "by": "camel_Snake", "date": "2025-11-21", "version": null, "stance": "recommend", "quote": "I use monarch and I've been happy enough with it.", "excerpt": "I use monarch and I've been happy enough with it. Would probably consider self-hosting with actual in the future, but I wanted an easy on-ramp for myself to actually get in the habit of budgeting.", "context": "", "use_case": "budgeting", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}]}], "caveats": [{"label": "", "summary": "", "quotes": [{"id": 743490960, "item_id": 46468185, "url": "https://news.ycombinator.com/item?id=46468185", "by": "astura", "date": "2026-01-02", "version": null, "stance": "warn", "quote": "Monarch is just horribly overpriced.", "excerpt": "> IME Monarch seems like the current best option in this space... Monarch is just horribly overpriced. I'm not opposed to paying for a SaaS or anything, but Monarch is much too expensive for what it is. Empower (used to be called Personal Capital) is free and what I use instead of Mint. In fairness, the only thing that I really ever used Mint for was to see my net worth and account balances.", "context": "", "use_case": "", "switched_from": "", "story": "10 years of personal finances in plain text files"}, {"id": 736257923, "item_id": 46016120, "url": "https://news.ycombinator.com/item?id=46016120", "by": "abustamam", "date": "2025-11-22", "version": null, "stance": "warn", "quote": "none of them had the one killer feature I needed", "excerpt": "I went through this rabbit hole. I liked Mint (I know it wasn't private, but I liked it), I tried Personal Capital / Empower because I had a retirement account with them, I tried Monarch. But none of them had the one killer feature I needed \u2014 my wife and I both have individual accounts and we also have a joint account for household expenses. I want to track all of those separately. The I found Tiller[0]. I've been re", "context": "", "use_case": "personal finance", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}]}], "who": [], "tags": [], "use_cases": ["personal finance", "personal finance data", "family finance tracking", "personal finance tracking", "personal budgeting", "budgeting"], "compared": [{"slug": "tiller", "name": "Tiller", "co": 1, "switched_from": 0, "switched_to": 1}, {"slug": "claude-code", "name": "Claude Code", "co": 2, "switched_from": 0, "switched_to": 0}, {"slug": "ynab", "name": "YNAB", "co": 2, "switched_from": 0, "switched_to": 0}, {"slug": "clickhouse", "name": "ClickHouse", "co": 2, "switched_from": 0, "switched_to": 0}, {"slug": "empower", "name": "Empower", "co": 2, "switched_from": 0, "switched_to": 0}], "makers": [], "threads": [{"url": "https://news.ycombinator.com/item?id=46006016", "title": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker", "mentions": 5}, {"url": "https://news.ycombinator.com/item?id=49394827", "title": "Show HN: OzBrain, a shared brain for knowledge between agents and your team", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=49139102", "title": "From MIT: AI financial advice is surprisingly good", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=49022206", "title": "item 49022206", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=48486225", "title": "Ask HN: What software feels exceptionally polished?", "mentions": 1}, {"url": "https://news.ycombinator.com/item?id=46809846", "title": "A Step Behind the Bleeding Edge: A Philosophy on AI in Dev", "mentions": 1}], "sentiment_by_month": {"2025-11": {"recommend": 4, "warn": 1}, "2025-12": {}, "2026-01": {"warn": 1, "neutral": 1}, "2026-02": {}, "2026-03": {}, "2026-04": {}, "2026-05": {}, "2026-06": {"recommend": 1}, "2026-07": {"recommend": 1}, "2026-08": {"neutral": 1}, "2026-09": {}, "2026-10": {}}, "versions": [], "version_unnamed": 0, "family_ref": null, "runs_on": null, "lines": [], "quotes": [{"id": 790348259, "item_id": 49396766, "url": "https://news.ycombinator.com/item?id=49396766", "by": "rgbrgb", "date": "2026-08-22", "version": null, "stance": "neutral", "quote": "sucks in monarch money and gmail", "excerpt": "nice :) > love to hear how you did it this is ours we built for Hedgy https://setoku.com our approach was to build a data lake that sucks company data into clickhouse and staple that to a knowledge store. this way the brain has a stream of live facts and builds knowledge around it. we gave up on trying to make the knowledge store human-readable -- i totally think there could be something there, but for now we just ca", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: OzBrain, a shared brain for knowledge between agents and your team"}, {"id": 786256544, "item_id": 49141034, "url": "https://news.ycombinator.com/item?id=49141034", "by": "rgbrgb", "date": "2026-08-01", "version": null, "stance": "neutral", "quote": "I feed live monarch money data to fable", "excerpt": "I feed live monarch money data to fable to get help with: 1. high level portfolio composition stuff 2. when to rebalance what where 3. what to sell 4. thinking through money moves (e.g. real estate purchase, remodeling, company sale, angel investments) 5. one off transaction questions (e.g. how many times have I used the ATM with card X this month?) Don't always agree with the answers, but facts are right.", "context": "", "use_case": "personal finance data", "switched_from": "", "story": "From MIT: AI financial advice is surprisingly good"}, {"id": 784375137, "item_id": 49023446, "url": "https://news.ycombinator.com/item?id=49023446", "by": "rgbrgb", "date": "2026-07-23", "version": null, "stance": "recommend", "quote": "Monarch Money (love this product!)", "excerpt": "hey hn, I wanted to share a side project we\u2019ve been using and iterating at Hedgy for the past couple weeks. It\u2019s our take on a self-hosted company brain that is powered entirely by our claude subscriptions. It includes a ClickHouse data lake for ingesting data and light knowledge infrastructure for storing knowledge about the data (e.g. this is how we count a user as active, check column X when determining LTV). This", "context": "", "use_case": "family finance tracking", "switched_from": "", "story": null}, {"id": 775780256, "item_id": 48486266, "url": "https://news.ycombinator.com/item?id=48486266", "by": "paytonjjones", "date": "2026-06-10", "version": null, "stance": "recommend", "quote": "Monarch Money is incredibly smooth and functional considering the complexity.", "excerpt": "Monarch Money is incredibly smooth and functional considering the complexity. Maybe it benefits from the comparison with the mess that was Mint though, haha.", "context": "", "use_case": "personal finance", "switched_from": "Mint", "story": "Ask HN: What software feels exceptionally polished?"}, {"id": 749426336, "item_id": 46839146, "url": "https://news.ycombinator.com/item?id=46839146", "by": "solidasparagus", "date": "2026-01-31", "version": null, "stance": "neutral", "quote": "the product he is building", "excerpt": "The first sentence of the blog post has a link to the product he is building - https://www.monarch.com/", "context": "", "use_case": "", "switched_from": "", "story": "A Step Behind the Bleeding Edge: A Philosophy on AI in Dev"}, {"id": 743490960, "item_id": 46468185, "url": "https://news.ycombinator.com/item?id=46468185", "by": "astura", "date": "2026-01-02", "version": null, "stance": "warn", "quote": "Monarch is just horribly overpriced.", "excerpt": "> IME Monarch seems like the current best option in this space... Monarch is just horribly overpriced. I'm not opposed to paying for a SaaS or anything, but Monarch is much too expensive for what it is. Empower (used to be called Personal Capital) is free and what I use instead of Mint. In fairness, the only thing that I really ever used Mint for was to see my net worth and account balances.", "context": "", "use_case": "", "switched_from": "", "story": "10 years of personal finances in plain text files"}, {"id": 736657264, "item_id": 46041079, "url": "https://news.ycombinator.com/item?id=46041079", "by": "yaksha", "date": "2025-11-24", "version": null, "stance": "recommend", "quote": "I've been using Monarch (https://www.monarch.com/) as a replacement for Mint.", "excerpt": "I've been using Monarch (https://www.monarch.com/) as a replacement for Mint. It's been decent enough that I haven't tried looking for something else.", "context": "", "use_case": "personal finance tracking", "switched_from": "Mint", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736257923, "item_id": 46016120, "url": "https://news.ycombinator.com/item?id=46016120", "by": "abustamam", "date": "2025-11-22", "version": null, "stance": "warn", "quote": "none of them had the one killer feature I needed", "excerpt": "I went through this rabbit hole. I liked Mint (I know it wasn't private, but I liked it), I tried Personal Capital / Empower because I had a retirement account with them, I tried Monarch. But none of them had the one killer feature I needed \u2014 my wife and I both have individual accounts and we also have a joint account for household expenses. I want to track all of those separately. The I found Tiller[0]. I've been re", "context": "", "use_case": "personal finance", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736239536, "item_id": 46014971, "url": "https://news.ycombinator.com/item?id=46014971", "by": "adverst", "date": "2025-11-22", "version": null, "stance": "recommend", "quote": "It's fantastic as a more general personal finance/budget tracker.", "excerpt": "I use monarch, I don't think it is very good as an 'investment tracker' (what wealthfolio claims to be). It's fantastic as a more general personal finance/budget tracker. For example - I have to reclassify loads of transactions for it to track close to correctly. Say treasuries - purchase at a discount, then at maturity redeem for full amount. You can enter them as buy/sell, but then it wont properly report to cashfl", "context": "", "use_case": "Personal budgeting", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736147200, "item_id": 46009200, "url": "https://news.ycombinator.com/item?id=46009200", "by": "camel_Snake", "date": "2025-11-21", "version": null, "stance": "recommend", "quote": "I use monarch and I've been happy enough with it.", "excerpt": "I use monarch and I've been happy enough with it. Would probably consider self-hosting with actual in the future, but I wanted an easy on-ramp for myself to actually get in the habit of budgeting.", "context": "", "use_case": "budgeting", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}, {"id": 736107008, "item_id": 46006688, "url": "https://news.ycombinator.com/item?id=46006688", "by": "sahaskatta", "date": "2025-11-21", "version": null, "stance": "recommend", "quote": "Few more to consider", "excerpt": "Few more to consider: https://www.monarch.com/ https://useorigin.com/", "context": "", "use_case": "", "switched_from": "", "story": "Show HN: Wealthfolio 2.0- Open source investment tracker. Now Mobile and Docker"}]}