Monarch Money: 50% off first year with code MONARCHVIP — $50 for new users

Monarch Money is offering a limited-time promotion: new users can get 50% off their first year by entering code MONARCHVIP at checkout. That reduces the annual price to $50 for the first 12 months (regularly $100). The deal is aimed at people who want to review their finances and set budgets for the coming year.

Monarch was a runner-up in our guide to the best budgeting apps of 2025. It’s feature-rich and highly customizable, with strong tools for setting goals, sharing account access with others, and generating detailed month-in-review reports. However, the app can feel complicated initially and the mobile experience is sometimes less intuitive than the web version.

Deal details

• Offer: 50% off first year for new users.
• Code: MONARCHVIP (enter at checkout).
• Price after discount: $50 for the first 12 months (regularly $100).
• Eligibility: New users only — check terms at checkout.

Why consider Monarch

• Customization: Robust category and budgeting options for advanced users.
• Goals & insights: Useful goal-setting tools and a thorough monthly review that helps spot trends.
• Account sharing: You can grant others access, handy for couples or financial advisors.
• Fast growth: Monarch has expanded its feature set and continues adding useful financial tools.

Potential downsides

• Learning curve: The app can feel complicated at first compared with simpler competitors like Simplifi.
• Mobile UX: The mobile app may be less intuitive than the web experience for some users.
• No free trial: There isn’t a permanent free tier for trying everything, so the discount helps reduce risk.

If you value powerful budgeting features and detailed monthly insights, this discount makes Monarch a compelling option to try for a year. If you prefer a more beginner-friendly app, consider Simplifi or similar alternatives before committing.

Get started at Monarch: https://www.monarchmoney.com (enter code MONARCHVIP at checkout). Check the full terms to confirm eligibility and offer end date.

Discussion: Will you take advantage of the discount to try Monarch — or do you prefer a simpler budgeting app? Which budgeting feature matters most to you: ease of use, goal tracking, or shared access?