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What is Monarch Plus?
Monarch Plus is a subscription tier for members with more complex financial lives — whether you're managing business income, a side hustle, rental properties, or you want more advanced planning and investment tools.
Plus builds on everything you already use in Monarch. Your budget, Cash Flow, Goals, Net Worth, and connected accounts stay exactly the same — Plus adds a new layer of powerful features on top.
Learn more or sign up: Monarch Plus
What's Included in Plus
📈 Forecasting
Forecasting shows you where your finances are headed based on your real spending, income, and account data. Rather than starting from scratch in a blank spreadsheet, you get a living projection built on the financial picture you've already set up in Monarch, which updates automatically as things change.
With Forecasting you can project your net worth and cash flow over time, explore big questions like "when can I retire?", and model the impact of major life events like buying a home, having a child, or changing jobs.
Read the full article: Forecasting in Monarch →
🏢 Business Tracking
Business Tracking lets you keep your business finances separate from your personal finances, all inside Monarch. You can create distinct businesses (for example, a consulting business, an Etsy shop, a rental property) and assign accounts and transactions to each one, so nothing gets mixed together.
Business Tracking is designed for freelancers, sole proprietors, single-member LLC owners, rental property owners, and anyone tracking income streams that flow through to personal taxes.
Read the full article: Business Tracking →
📊 Advanced Investment Analysis
New investment enhancements help you go deeper on your portfolio, from understanding your unrealized gains and losses, to seeing exactly what you own and how it's distributed.
Gains & Losses gives you a different lens on your investments: showing you what they're truly worth based on what you originally paid, not just what they're valued at today. See your real gains and losses, with the option to add tax lot details so you can make more informed decisions about what to sell and when.
Fund Analysis is powered by Morningstar data and breaks down your holdings across asset classes (stocks, bonds, real estate, alternatives, and more), so you can understand your diversification and risk exposure at a glance.
Read the full article: Gains & Losses →
Read the full article: Fund Classification Definitions →
📝 Estate Planning with Trust & Will
As a Monarch Plus member, you receive a complimentary couple’s will through Trust & Will — a $299 value, covered by Monarch. If you'd prefer a trust instead, you can apply that same $299 value toward the cost of a trust plan. Estate planning is one of the most important financial steps you can take for your family, and this partnership makes it easy to get started directly from your Monarch account.
Note: The complimentary will is only available after the trial ends.
Read the full article: Estate Planning with Trust & Will →
Pricing
Monarch Plus is billed annually. Visit our pricing page for current pricing details.
- Get a 7-day free trial when you first sign up — explore all Plus features before your subscription begins.
- Plus is billed through Stripe only and is not available via the App Store or Google Play Store.
Existing Core members receive a discount when upgrading to Plus on direct billing — it's applied automatically at checkout. No code needed. See our pricing page for details. |
How to Upgrade to Plus
Your 7-day free trial begins immediately after upgrading. You won't be charged until the trial ends.
You can upgrade directly within Monarch on desktop:
- Log in to your Monarch account on desktop
- Navigate to Settings → Billing
- Select Manage Subscription and follow the prompts
Frequently Asked Questions
Is Plus available on mobile?
Plus features are currently available on desktop. Mobile support will be available at a later date.
Does Plus cover my full household?
Yes — Plus covers your entire household, just like Core.
I have a sponsored account through a financial advisor. Can I access Plus?
At this time, Plus is not available for advisor-sponsored accounts.
Will more features be added to Plus over time?
Yes. Plus will continue to grow. New features are planned for future releases.
Is Plus available in Canada?
Monarch Plus is available to Canadian members. Features like Forecasting and Investment Analysis work as expected. Some business features may be of limited value due to differences in Canadian tax treatment.
What happens to my data if I downgrade from Plus to Core?
If you downgrade, you'll lose access to Plus-only features at the end of your current billing period. Your data stays intact — your budget, accounts, transactions, and history are all still there. You just won't be able to access Forecasting, business tracking, advanced investment analysis, gains & losses, or estate planning once the billing period ends.