How to Switch from Monarch Money

Steps and prices checked October 29, 2026 against Monarch's help center and each app's public site.

This is the practical version: export the history, cancel in the place that actually bills you, then pick the next app with the prices in front of you. The cancel clicks, the trial clock, and what happens to the history are on how to cancel Monarch Money. A bank that stopped updating is a different job. Fix that on Monarch Money not syncing before you export or cancel. The longer comparisons live on their own pages, so this one does not repeat them: Monarch Money alternatives, Monarch Money free trial, YNAB vs Monarch Money, FYN vs Monarch Money, the FYN and Monarch write-up, and best budget apps in 2026.

Disclosure: we build FYN. This page is on FYN's site. FYN is one of the destinations below, labeled as ours. Monarch is a real product with a real household dashboard, and the steps here are the ones on Monarch's own help pages.

Why people switch

The usual reasons are the bill, a wish to start free, receipts, and how a couple shares the account. None of those is a reason to sneer at Monarch. Here is what its own pages say, and where a different app is actually a different product.

Price. On October 29, 2026 Monarch's pricing page listed Core at $14.99 a month or $99.99 a year, shown as $8.33 a month when billed yearly. Plus is $199.99 a year, shown as $16.67 a month. The page's structured data says those prices are in US dollars, plus tax where it applies. The plan cards say "Free 7-day trial, then" the plan price. There is no free plan after the trial. Plus, in the pricing FAQ's words, is for planning further ahead: forecasting tools, more than one income source such as a small business, and a deeper look at investments. If you use that dashboard every week, the bill is the price of the product. If you are here because you heard the price changed, this guide does not document a hike. It uses the figures on that page. Whether that bill is worth keeping is on is Monarch Money worth it.

The same page showed code WELCOME for 30% off Core for one year. The notes on that page say the offer is for new members, annual Core only, billed by Monarch rather than Apple or Google, cannot be combined with other offers, and may expire or be deactivated. Whether it changes a renewal you already have is not checked.

Receipts. Needing receipts is not a hole in Monarch. Its receipt article, updated October 28, 2026 and re-read October 29, 2026, lets you scan or upload a receipt or forward the email. It reads merchant, amount, date, and line items when the receipt has them, and it matches the receipt to a posted transaction. Those receipts sit inside the paid subscription once the trial ends. FYN's pricing page puts receipt photos and emailed receipts on the free plan, 20 a month as one count, and 200 a month on Pro. Apple Pay and Google Wallet purchases are logged as you pay on Free and on Pro. On Pro, the plan with bank sync, a receipt auto-matches the bank charge. The difference is the free receipt start.

A free start. Monarch's FAQ says you are billed at the end of the trial, and that you will not be billed if you cancel at least 24 hours before the trial ends. You keep access for the rest of the trial either way. The length of that trial, and what the welcome code covers, is on the Monarch Money free trial. FYN's free plan does not expire and does not ask for a card. Linking a new bank is part of Pro, at $9.99 a month, up to 15 accounts via Plaid. The free plan is receipt photos, emailed receipts, and purchases logged as you pay. Bank sync is Pro.

Couples. Monarch's household article, updated October 20, 2026, puts extra people on the same subscription at no extra cost. Each person has a login. Everyone sees the same dashboard and the same budget. You cannot hide a bank account or a transaction. Only the household admin can cancel. FYN's pricing page lists 1 household member on Free and unlimited household members on Pro. Everyone shares the plan's limits. A shared member can be an owner, a member, or view-only. If you need one private account inside an otherwise shared household, Monarch's help says that option is not there.

Monarch's FAQ also says the app is currently only available in the US and Canada, and it recommends connecting accounts only in USD or CAD. That is a clean reason to leave if you live somewhere else. It is not a criticism of the product.

Export your Monarch data

Do this on the web, before you cancel. Monarch's download article, updated October 20, 2026, says you can download transaction history and balance history as CSV, for one account or for all of them. It also says the full history stays available to download after the subscription or trial ends. Download it while you are logged in anyway. A file on your computer does not depend on that login later.

One account

1. On the web, go to Accounts and select the account.
2. Select Edit in the top right.
3. Select Download transactions or Download balance history.

Every account

1. On the web, go to Settings, then Data.
2. Select Download Transactions or Download account balances.

Monarch says a download of more than 5,000 transactions takes longer and is more likely to fail. Split a long history by date range. Rename the files when they land. Transactions and balances are two downloads. Keep both. The balance file is a spreadsheet record. The next section on FYN explains why it does not become a chart there. Budgets, the phone app, and what the file includes are on how to export Monarch Money data.

How to cancel Monarch Money

These steps are Monarch's, from its cancel article, last updated October 20, 2026 and re-read October 29, 2026. The same URL is in Sources. The article splits the steps by who bills you. Canceling in the wrong place does nothing. The article says you still have access for the time left on the subscription. Subscriptions cannot be paused or frozen. Existing data is not deleted. After 30 days, financial connections disconnect, and no new data syncs while you are unsubscribed. Export the CSVs in the previous section first. Refunds, and what happens to the history, are in the FAQ.

Billed on Monarch's site

1. Open the Billing Settings page on the web.
2. Click Manage subscription.
3. Click Cancel Subscription.

If you do not see Cancel, Monarch says you are probably a household member, not the admin. Only the admin can cancel. To leave the household yourself, Monarch says to use Settings, then Security, then Delete Monarch account, and follow the confirmation steps. The updating article says these web steps do not apply if Apple or Google bills you, and that an Android member billed by Monarch still manages the subscription in a browser.

Billed by Apple

1. Open the Settings app.
2. Select your name.
3. Select Subscriptions.
4. Select Monarch.
5. Select Cancel Subscription.

If Monarch is not in the list, Monarch says you may be on a family plan and need the family manager. Monarch staff cannot see App Store subscription details. Cancellations and refunds for that purchase go through Apple. Monarch links to Apple's subscription help and to Apple billing for refunds.

Billed by Google Play

1. Open the Google Play Store app.
2. Select your profile picture in the top right.
3. Select Payments & subscriptions, then Subscriptions.
4. Select Monarch from the list.

That is where Monarch's article stops. It does not name the next step, and this guide will not invent one. Monarch points at Google's subscription help for that screen. If Monarch is missing, Monarch says a family manager may have to cancel it.

What to check before you cancel

Download first. You can still download after you cancel, according to the download article, and after a refund you can still log in to download historical data. Do it before you are in a hurry. Keep the transaction CSV and the balance-history CSV.

Trial timing. The pricing cards say to cancel in settings before the trial ends. The FAQ is stricter: cancel at least 24 hours before the trial ends or you are billed. You keep access for the rest of the trial either way.

Annual plan, cancel versus refund. Canceling leaves the time you already paid. You keep access until that period ends. A refund is the money-back guarantee, updated September 16, 2026: Monarch refunds the remaining time, no questions asked, and Premium access ends immediately. You can still log in to download history, resubscribe, or delete the account. Do not delete the account before you ask for the refund. Apple App Store purchases are not eligible. Apple handles those refunds. Monarch says it can decline a refund for fraud or abuse of the product or a promotion.

Staying, but not for another year. If you are billed on the web and you want monthly instead, the updating article says you can switch at any time. The rest of the yearly cost is applied as credit, and monthly billing starts when that credit runs out. The clicks are Settings, then Billing, then Manage subscription, then Monthly ($14.99 / month) for Core, then review payment method, total due, billed on, and due today, then Save changes. Switching the other way bills the year immediately and credits the rest of the monthly amount toward the $99.99 year. Apple and Google subscriptions are changed in those stores, not on this screen.

Who can press the button. On a web subscription, the household admin. On an app-store family plan, the family manager. A member who only wants out of the household uses the delete-account path above, which is not the same as canceling the paid plan.

Thirty days later. Both the cancel article and the money-back article say institution connections disconnect 30 days after the subscription ends. No new data syncs while you are unsubscribed. The history already in the account is not described as deleted.

Where to go next

Four destinations, with the price each one published on October 29, 2026. FYN is ours. The other three are not. A longer grid is on Monarch Money alternatives and best budget apps in 2026. If you are leaving because you want a number for what is left before payday, the arithmetic is on how to calculate safe to spend.

YNAB is the method choice. The pricing page says you decide what the money is for before you spend it, and that the trial on ynab.com does not require a card. App stores may still ask for one. Enrolled college students can get a 365-day trial. If you will not assign the dollars, YNAB is the wrong landing spot. The head-to-head is YNAB vs Monarch Money.

Copilot Money publishes one plan on its homepage: no tiers and no add-ons. The price shown there on October 29, 2026 was $18 a month, or $109 billed yearly (displayed as $9 a month, a limited-time offer instead of $119). The FAQ says the trial is one month, there is no permanent free tier, and the apps are Web, iPhone, iPad, and Mac. It does not list Android. Institutions are US only, per that FAQ. The longer comparison is Copilot Money vs Monarch Money.

Rocket Money is the subscriptions app. Its pricing article says the free plan includes subscription tracking, spend reviews, and bill reminders. Budgeting and real-time account syncing are listed under Premium. Premium+ is $15 a month plus tax. The free plan is real. Real-time account syncing is listed on Premium, not on the free plan. A specific Premium dollar amount is not printed, so that price is not checked. The head-to-head is Rocket Money vs Monarch Money.

If you are leaving because you want the budget in a spreadsheet you edit, the head-to-head is Tiller vs Monarch Money.

FYN is the free-start and receipts choice, and it is our product. Pro at $9.99 a month is the plan with bank sync. On a monthly bill that is less than Monarch Core's $14.99. On an annual bill, Monarch Core at $99.99 a year is less per month than FYN Pro, and the bank connection is included in Monarch's price. FYN's free plan leaves the bank connection off. The narrower pages are FYN vs Monarch, the longer FYN and Monarch note, FYN vs YNAB, FYN vs Copilot, and FYN vs Rocket Money.

Bring your history into FYN

FYN does not have a "import from Monarch" button. The Accounts page has Import a statement, for an account that does not connect through Plaid, such as some brokerages and banks. The file can be a PDF, CSV, OFX, or QFX, or a photo. A CSV needs an account label. If FYN cannot match the columns, you pick them. Date, description, and one amount column are required: Amount, Money in, or Money out. Merchant and Category are optional.

A Monarch transactions CSV can be tried on that screen. Download one account at a time if you want each account under its own label, because one file is imported under one account label. The all-accounts download is a single file. The balance-history CSV has no home on that screen: there is no balance column. Keep it as your spreadsheet. Budgets, goals, rules, and tags are not part of the import.

If the file does not import, start fresh. On Pro, link banks through Plaid, up to 15 accounts, at $9.99 a month. On the free plan, start with receipt photos and emailed receipts. You can also email a PDF or OFX statement to the address in Settings, then Receipts. That path does not take the Monarch CSV. The plan limits are on the pricing page. FYN is free to start.

Asking an assistant is a later question, and it is not unique to one app. Monarch's connector help covers Claude, ChatGPT on a paid web plan, Cursor, and Gemini CLI. It is read-only unless you allow write, and Finicity-linked accounts are left out. Copilot's FAQ describes Copilot Intelligence for categories and a Money Assistant in beta. FYN's pricing page lists read-only agent calls at 500 a day on Free and 10,000 a day on Pro. Choose on the budget and the price. The connector is not a reason to cancel today.

FAQ

Sources

Checked October 29, 2026. Cancel steps, the money-back article, the download article, the trial FAQ, the household article, the receipt article, the updating-subscription article, Monarch's pricing page, and the other apps' prices were re-read that day. Monarch's MCP connector help was not re-opened, so the connector paragraph is not checked as of October 29, 2026. FYN limits were re-read on the pricing page the same day. Auto-match of a receipt to a bank charge is on the receipt scanning page, and it is a Pro feature because bank sync is Pro.

• Monarch prices, 7-day trial, Plus description, and the WELCOME code: monarch.com/pricing.
• Transactions and balance history CSV, updated October 20, 2026: Downloading transaction or account history.
• Cancel on the web, Apple, and Google Play, updated October 20, 2026: Canceling your subscription. Apple and Google pages Monarch links from that article: Apple subscriptions, Apple billing, Google Play subscriptions.
• Monthly and annual switches, updated October 14, 2026: Updating your subscription.
• Refund of remaining time, updated September 16, 2026: Money-back guarantee.
• Trial billing, the 24-hour cutoff, household members at no extra cost, US and Canada: Monarch FAQs.
• Households, updated October 20, 2026: Monarch for couples and households.
• Receipts, updated October 28, 2026, re-read October 29, 2026: Importing receipts.
• Monarch connector, updated October 22, 2026, not re-opened on October 29, 2026, so this item is not checked as of that date: connector help.
• YNAB price, trial, and sharing: ynab.com/pricing.
• Copilot price on the homepage, and the FAQ for the trial and platforms: copilot.money, copilot.money/faq.
• Rocket Money plans: How much does Rocket Money cost?.
• FYN plan limits, re-read October 29, 2026: fyn.fyi/pricing (Free $0, Pro $9.99/mo, bank sync on Pro only, 1 household member on Free, unlimited on Pro, Apple Pay and Google Wallet taps on both plans). Auto-match to the bank charge, on Pro: receipt scanning. Statement import is the Accounts control labeled Import a statement. It posts a PDF, CSV, OFX, QFX, or photo to the import endpoint and asks you to map CSV columns when they do not match.