Verdict
Monarch gets consistent praise for its clean design and ease of use, but the review pile also has real, recurring complaints about account syncing, crashes, and subscription pricing that don't go away.
Best for
Someone who wants an all-in-one account dashboard with a polished interface and is willing to pay a recurring subscription for it.
Dealbreaker
Sync problems come up repeatedly across reviews, with accounts showing as deactivated or failing to connect, and this sits on top of a subscription with a short free trial that some reviewers call greedy.
The facts.
Pulled from the App Store, not written by hand. unverified
Price
Free
In-app purchases
Unknown
Ads
Unknown
Platforms
iPhone, iPad
Rating
4.9★ (109,508)
Version
2.0.115
Last updated
Sep 9, 2026
Released
Nov 18, 2020
Attributes
Native app
Category
Finance, Productivity
What reviews consistently say.
Themes grouped from 200 App Store reviews. Source feed ›
Praised for
Ease of use and design15 reviews
Privacy and data handling14 reviews
Value for money7 reviews
Subscription pricing and paywalls6 reviews
Import and export6 reviews
Complained about
Subscription pricing and paywalls8 reviews
Crashes and stability6 reviews
Sync and multi-device6 reviews
Battery and performance5 reviews
Too expensive4 reviews
Privacy and data handling4 reviews
Notifications and reminders3 reviews
Where this comes from
15 of 200 recent reviews raised: Ease of use and designApp Store reviews ›
8 of 200 recent reviews raised: Subscription pricing and paywallsApp Store reviews ›
6 of 200 recent reviews raised: Crashes and stabilityApp Store reviews ›
6 of 200 recent reviews raised: Sync and multi-deviceApp Store reviews ›
4 of 200 recent reviews raised: Too expensiveApp Store reviews ›
5 of 200 recent reviews raised: Battery and performanceApp Store reviews ›
Listed at Free on the App StoreApp Store listing ›
Where we recommend it
The best budgeting apps ›Budgeting and expense apps that are well rated and still maintained, each with its catch.
Alternatives with the same rule.
Every app here is rated 4.2 or better, has been updated in the last eighteen months, and has no significant number of reviewers reporting it broken. Price is not the rule on this list — some are free, some are not. Also with a catch.
Free · 4.8★ (7,730,963) · Updated Sep 8, 2026
Verdict. Credit Karma tracks your credit and offers financial tools, but reviewers describe data that's out of date and a customer support system many say doesn't respond when something goes wrong.
Best for. Someone who wants a free rough gauge of their credit score and doesn't need real-time accuracy or a lifeline if the app misbehaves.
Dealbreaker. Reviewers report data lagging weeks behind reality, customer service that doesn't answer complaints, and at least one account of data being sold leading to spam calls.
Free · 4.6★ (331,873) · Updated Aug 27, 2026
Verdict. Albert bundles budgeting, saving, and cash advances behind a subscription that reviewers say is hard to avoid and even harder to cancel. The core app works fine for basic tracking, but the signup flow and billing practices are the loudest complaint by far.
Best for. Someone comfortable signing up for a recurring subscription and monitoring their bank statement closely to catch charges they didn't expect.
Dealbreaker. Many reviewers report being auto-enrolled in a paid subscription (including a 'GeniusAI' add-on) during signup with no way to skip it, and describe real difficulty canceling or getting refunds afterward.
Free · 4.5★ (390,057) · Updated Sep 14, 2026
Verdict. Rocket Money markets itself as free but the core features people actually want—finding and canceling subscriptions—sit behind a paywall, and a large share of reviewers say the free tier misses subscriptions entirely or fails to detect them correctly.
Best for. Someone who's already decided to pay for a premium subscription-tracking service and just wants a polished app to do it, not someone hoping for a free bill-canceling tool.
Dealbreaker. A big chunk of reviewers say the free version won't reliably find their recurring subscriptions, and getting help when something's wrong means dealing with an AI bot or unanswered emails rather than a person.