Enjoy 50% Off a Top Budgeting Tool for New Subscribers

Slash Your First Year Cost to $50 with Monarch Money

If managing your finances better is part of your new year goals, a reliable budgeting application can be your ally. At present, one of our favorite apps, Monarch Money, is offering an attractive discount. When new users opt for an annual plan, they receive a 50% reduction in price by using the discount code MONARCHVIP during checkout. This offer lowers the first-year subscription cost to only $50.

Typically, an annual commitment to Monarch sets you back $100, but new users can seize this opportunity to save substantially and pay only half the usual price for a year's worth of service.

Monarch Money stood out as the second-best option in our 2025 guide to top budgeting apps, mainly because of its evolution over time. Although it initially appears more complex compared to other apps, once you get accustomed to its interface, it reveals a robust feature set. You'll find numerous opportunities for customization, a strategic 'goals' feature, and a comprehensive monthly review summary that often surpasses the offerings of its competitors. Moreover, it’s convenient to extend account access to other users.

However, the app's learning curve could be daunting for some users, especially since its mobile version isn't as user-friendly as the desktop experience. This could be limiting if you prefer to handle your finances while on the move. Moreover, there have been occasions where the app struggled to differentiate between various types of recurring payments, coupled with a few bugs.

Nevertheless, Monarch remains a formidable app in the budgeting arena, second only to Quicken Simplifi. Simplifi's primary appeal lies in its user-friendly approach that gently guides users through its features. If ease of use is high on your priority list, Simplifi might suit your needs better, although it unfortunately lacks a free trial option.