Latest deals
Monarch Money Promo Code 2026
Get a free 7-day trial and save $29.89/yr with annual billing. Here are all the ways to save on Monarch Money.
Updated February 2026
Current offer
Claim your free trial
Promo Code
Start your free Monarch Money trial — no credit card required. After the trial, save with annual billing.
7-DAY FREE TRIAL 7-day free trial · No credit card required
Step by step
How to save on Monarch Money
Start with the free trial
Monarch offers a 7-day free trial with full access to every feature. No credit card required to start.
Choose annual billing
Annual billing costs $89.99/yr ($7.49/mo). Monthly is $9.99/mo ($119.88/yr). Annual saves $29.89/yr.
Use our affiliate link
Our link includes the latest available offer. We may earn a commission, but it doesn't affect your price.
Pricing breakdown
Monarch Money pricing
| Plan | Per month | Per year |
|---|---|---|
| Monthly billing | $9.99 | $119.88 |
| Annual billing Best value | $7.49 | $89.99 |
You save $29.89/yr with annual billing
That's 25% less than monthly billing
Bottom line
Start free, save with annual
The best Monarch Money deal is simple: start with the 7-day free trial, then lock in annual billing at $89.99/yr. No promo code needed — that's the best price available.
7-day free trial · No credit card required
Common questions
Frequently Asked Questions
Does Monarch Money have a promo code in 2026?
Monarch Money occasionally offers promotional pricing through partner links. The most reliable way to save is through their 7-day free trial and annual billing ($89.99/yr vs $119.88 if paid monthly), which saves you about $30/yr.
How do I get Monarch Money for free?
Monarch Money offers a 7-day free trial with full access to all features. No credit card is required. After the trial, the most affordable plan is $89.99/yr billed annually.
Is there a student discount for Monarch Money?
Monarch Money does not currently offer a student discount. The best value is the annual plan at $7.49/mo. YNAB offers a 12-month free trial for students with a valid .edu email, if price is a primary concern.
Can I get an extended Monarch Money trial?
Monarch Money's standard trial is 7 days. Some referral links and partner promotions may offer extended trials. Check our affiliate link above for the latest available offer.
How much does Monarch Money cost per year?
Monarch Money costs $89.99/yr when billed annually ($7.49/mo) or $9.99/mo when billed monthly ($119.88/yr). Annual billing saves you approximately $30/yr.
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