Release Notes

Say hello to your new AI Assistant, reimagined goals, equity tracking, and receipt scanning. Enter 2026 with new features to help you see more and do more with your money.

The best financial guidance helps you understand what's happening, why it matters, and what to do next….without making you do the heavy lifting.
That's the vision behind our latest release: to give you professionally-guided intelligence that looks after your finances, surfaces what matters most, and helps you plan ahead with confidence. From AI-powered insights to smarter goal planning to a complete view of your equity compensation, we’re dropping several new features designed to help you get ahead in 2026.

Meet your new AI Assistant

What if you had a financial expert who knew your complete financial picture and could answer any question, anytime? That's exactly what Monarch's AI Assistant does.
Your new AI Assistant isn't built from a single point of view or a black box algorithm. It's shaped by the collective wisdom of Monarch's panel of financial experts: CFPs, CFTs, PhDs, and financial coaches who have spent decades helping thousands of people navigate real financial decisions. These experts have helped inform the financial best practices, philosophies, and guidance that was used to train Monarch’s AI Assistant, in addition to reviewing and improving hundreds of questions and answers to ensure you’re getting answers that are clear, credible, and helpful.
The result? An AI Assistant that demonstrates professional level expertise, providing answers grounded in your unique financial picture.

Ask anything, get expert-informed answers

Whether you're wondering about a specific transaction, trying to understand a spending pattern, or thinking through a bigger financial decision, your AI Assistant is there to help.
Some examples of what you can ask:

• "Why did my net worth change this month?" Get a breakdown of what drove the change. Not just a number, but the story behind it
• "How should I approach paying off my debt?" Explore different strategies from the avalanche to the snowball method, based on your actual debts and monthly expenses
• "What did I overspend on?" Surface spending patterns you'd miss on your own, with context about why they matter
• "How much am I spending on groceries compared to last year?" Understand trends over time without manually digging through months of transactions
  Your AI Assistant understands your full financial picture and helps you make sense of it, anytime you need.

Never miss what matters

How often do you review your finances and wonder if you missed something important? New insights found throughout Monarch solve that by surfacing patterns, changes, and opportunities, so you can stay on top of things without living in the details. Just tap on the "sparkle" icon on select dashboard widgets as well as on the Accounts and Transaction pages to see instant, contextual insights.
You'll see insights like:

• Unusual spending in a particular category
• Net worth changes and what drove them
• Opportunities to optimize and save
  Our goal is simple: to surface what matters most so you don’t have to stay in the weeds every day.

Your Weekly Recap: We handle the details, you get the highlights

Every week, Monarch compiles a personalized summary of your financial activity: what changed, how your spending is trending, and what deserves your attention. Think of it as your weekly financial check-in, delivered automatically. Ask any follow-up questions you have, and your AI Assistant will be there to help with answers.
You can find your latest weekly recap on your dashboard, and we’ll send you a weekly email as well.

Help your AI Assistant help you better

The more your AI Assistant knows about your household, like your ZIP code, dependents, or employment situation, the better it can help you make decisions that fit your circumstances.
You can add these details anytime on the members page of your household settings, and your AI Assistant will use them to give you more relevant guidance.

Our commitment to privacy

Privacy and data security is our top priority and a promise we will continue to uphold. That commitment extends to every new feature we build, including those that leverage AI.
To help answer any questions you may have about how AI is used in Monarch, we have an article dedicated to the topic here.

Goals, reimagined

We've completely redesigned Goals around a simple insight: saving money and paying down debt require different planning approaches. That's why you'll now see two distinct experiences—save up goals and debt pay down goals—each tailored to what you're actually trying to accomplish.

Save up goals help you build toward what matters most: emergency funds, down payments, vacations, or any other target. Set your amount and timeline, and Monarch will show you what it takes to get there.

Pay down goals are built specifically for managing credit cards, loans, and other liabilities. Compare avalanche versus snowball methods, model different payment scenarios, and see exactly how extra payments accelerate your path to being debt-free.

Beyond separating these experiences, we've rebuilt Goals from the ground up to be more intuitive, more actionable, and more aligned with how you actually manage money.

You'll always know if you're on track

No more guessing whether you're saving enough. Set a target amount and date, and Monarch calculates exactly how much you need to save or pay each month. You'll see your status at a glance—"On track," "Ahead," or "At risk"—and if life changes, simply adjust your contribution, target date, or target amount to immediately see how it affects your timeline.

Flexible funding from any account

We’ve introduced more flexibility in how you allocate funds from your accounts to your goals, addressing a common pain point in the previous Goals experience. Fund one goal from multiple accounts, or use one account to fund multiple goals, all available for easy reference in a new sidebar view. You’ll also have the option for goal balances to update automatically when an account balance changes.

Spend from your goals as you go

Saving for a vacation? Or house projects that you’re chipping away at? You can now spend from your goals, including spending on a credit card. We'll then automatically reduce the goal balance to reflect that spending as it happens.

Coming soon

As we move out of beta early next year, you'll see additional improvements like the ability to re-order goals in your list, more robust transaction linking, and automated rules to make goal management more effortless.

How to get started

Next time you visit your Goals page on web, you'll see an option to update to the new experience. We'll walk you through adding a few details to migrate your existing goals. If you'd prefer to wait until we're out of beta, you can stick with the current version for now.
For additional guidance on how to use the new Goals feature, check out this video!

Equity compensation, now in the mix

If you have RSUs, stock options, or other private company equity compensation sitting in a spreadsheet or in other tools, it's hard to know how it fits in within your full financial picture.
Now, you can add equity accounts directly in Monarch to get an accurate picture of your net worth today and see how future grants will vest over time.
You can add RSUs, ISOs, NSOs, and RSAs directly in Monarch alongside all your other accounts. The new account details page shows what's vested, what's coming, and when, so you can monitor the value and growth of your equity for net worth calculations and cashflow planning.
To get started: Head to the Accounts page (on web), select “Add account,” then “Company equity”. You’ll have the option to upload a document to import equity details automatically, or enter grant details manually. More detailed instructions can be found here.
What's coming: We'll continue to enhance what you can do with Equity Tracking, including enhanced reporting, scenario modeling, mobile support and integration with the new AI Assistant for personalized equity insights.

Introducing: Receipt Scanning

Ever look at a transaction and wonder what you actually spent that money on? The Monarch Extension helps solve that for specific retailers (Amazon and Target) and now there’s a new way to get this level of detail in Monarch for any merchant by simply uploading a photo of your receipt.
With our new Receipt Scanning feature, you’ll just upload a photo of a receipt and Monarch will automatically attach it to the right transaction, complete with detailed notes about what you purchased.
Even better: Monarch can split one generic transaction into multiple, properly categorized ones. That Costco run that shows up as a single $147.83 charge? We'll break it down into groceries, household supplies, and electronics—each categorized correctly so you see a more accurate reflection of your spending.
How it works:

• Upload an image in one of three ways from your mobile app:
  • By clicking on Receipts in your mobile app's left navigation panel
  • From the "+" icon at the top of your transactions page
  • Using the share option from a photo in your photo library (you’ll see a new option to share with Monarch)
• Monarch will scan the receipt, find a match, and split and recategorize as needed. We'll also add details to the notes section and attach an image of the receipt itself.
• If Monarch doesn't immediately find a match, you can leave it as "Waiting for match" and we'll keep searching as new transactions sync. You can also match it yourself or create a new transaction.
• Easily review transactions with scanned receipts using the "Receipt Import" tag
  You can choose to disable automatic splitting from the settings within the feature if you only want notes and a receipt attached.
  Note: digital receipts can also be imported by simply taking a screengrab and following the same steps as above. In the future, we’ll be adding a way to forward email receipts so stay tuned!

What's next

We have a lot planned for next year, all focused on helping you plan what's next with confidence.
One of the next big features you'll see from us is forecasting, and the team is already hard at work on it. This will take you beyond individual goals and help you build a complete picture of your financial future. You'll be able to map out major life transitions, explore different scenarios, and see how today's decisions ripple into tomorrow. Want to know if you can afford a career change? When you might retire? What trade-offs different paths require? Forecasting will help you answer those questions with confidence.
We're building Monarch to be the partner that gives you clarity on where you stand and confidence in where you're headed—whether you're planning for the next year or the next decade.

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Jenna Tunick
Author

Managing money together looks different for every couple. But one thing's universal: when you both have a clear view of your finances, everything gets easier, from everyday conversations to long-term planning.
The reality? Many couples need to see both their personal finances and their household's. That's why we built Shared Views: so you can see yours, mine, and ours side by side in Monarch.

What’s new

Label accounts (and transactions) with an owner
You can now mark accounts and transactions as mine, theirs, or ours (shared). This instantly removes the guesswork around what belongs to who, helping you and your partner clearly see contributions, spending, and progress.

Switch perspectives instantly
Want to see just your spending? Just theirs? Or both together? With new filters, you can easily switch between personal, partner, and household perspectives — across accounts, net worth, transactions, and reports.

Make money check-ins a breeze
Shared Views makes it simple to check in with your partner about money — no guesswork, no workarounds, and no assumptions about whose is whose. Whether you’re reviewing last month’s spending, planning for upcoming expenses, or tracking progress toward a shared goal, these new ways to view your money in Monarch keeps everyone on the same page.

How it works

• Visit the Accounts page where you’ll see a walk-through to assign account ownership.
  • If you haven’t invited your partner to Monarch yet, you’ll want to start there. You can send an invite from your Household Settings page.
• When you assign ownership on an account level, transactions from that account will inherit the same label but can be adjusted individually as needed. You can do this when reviewing new transactions or make it automated using rules.
• Start exploring! Try the new “Owners” filter across Accounts (and net worth), Reports, Cash Flow and Transactions and get a new level of insight about your money, together and solo.

Note: Right now, a single budget is still shared across all household members, though we’re exploring ways to bring ownership into this page too.

Building healthy money habits, together

Shared Views is about more than labels and filters — it’s about making collaboration easier, more empowering, and setting you up for success... together.
By giving each partner clarity into both individual and shared finances, Monarch helps you:

• Have more productive conversations about money so you’re always on the same page.
• Celebrate progress, individually and as a team.
• Build stronger financial habits that grow with your relationship.

Looking for ways to better ways to approach conversations about money? Check out our “Same Page” blog series, filled with conversation starters that you try today over dinner or whenever it feels right.

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What's New

October 16, 2025

What's the deal with the butterfly?

Announcing our migration to monarch.com

Val Agostino
Author

We're often asked, "Why did you name your company Monarch? What's the deal with the butterfly?"
There are few things that represent the idea of transformation as dramatically as a butterfly. One day it's a caterpillar crawling slowly along on its belly, then it goes to sleep in a cocoon and wakes up to a whole new life of freedom as a beautiful butterfly.
We find this metaphor very appropriate when it comes to many people's financial lives.

From crawling to soaring
From crawling to soaring
Often folks feel like they're just crawling along, getting nowhere financially.
However, we see it time and time again: when people understand their finances and adopt new financial behaviors as a result, their lives start to transform rather dramatically. They make different choices about where they spend their money. They start saving more or investing more. They understand how their short-term decisions impact their longer-term outcomes.
The research is very clear:
financial health is more a function of behavior than income.
When people follow the right behaviors over time, their lives transform dramatically and they experience a whole new level of expression and freedom. This transformation may not happen as quickly as it does for the butterfly, but the effect is just as pronounced!
We are committed to doing all we can to help people learn and practice these behaviors so that they can experience this same level of freedom.

Our next step in the journey

Our next step in the journey
We're excited to announce another step along our journey to build the most trusted brand in personal finance: we're "migrating" our services from the monarchmoney.com domain to simply
Monarch.com
.
Nothing changes about your service—although we will have some big announcements on that front soon. It's simply a shorter URL that's easier to type and more aligned with our commitment to financial transformation.

Ready for your financial metamorphosis?

Ready for your financial metamorphosis?
Whether you're still in the caterpillar stage of your financial journey or already spreading your wings, we're here to support your transformation every step of the way.
Visit us at our new home:
Monarch.com
Because every financial transformation deserves a platform as powerful and beautiful as the butterfly itself.

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What's New

August 14, 2025

The Monarch Extension, now supporting Target

The Monarch Extension now supports your Target shopping trips, a new way to track your credit health in Monarch, and more.
Jenna Tunick
Author
Your Target runs, now perfectly categorized in Monarch
We recently launched the Monarch Chrome Extension to tackle one of the most common requests from members: to help sync, split, and categorize Amazon orders automatically. Today, we’ve added Target support to the extension. So whether you're buying groceries, school supplies, or clothes, your Target trips will now be effortlessly tracked and accurately categorized.
The extension will help do the heavy lifting for both your online orders and in-store trips, as long as they’re tied to your Target account. That means:

• Smarter, more precise categorization
• Automatic splitting for multi-item orders
• Notes to remind you of transaction details
  The result? Cleaner budgets, clearer reports, and a lot less manual editing!
  If you’ve already downloaded the extension, open it today and you’ll see the option to connect to Target.
  And if you haven’t used the extension yet, give it a try today to sync and categorize orders from both Amazon and Target.

Track your credit utilization, card by card

Understanding your credit health just got easier. You can now see your credit card limit and utilization rate (the percentage used based on your current statement balance) directly in Monarch.
From your Accounts page and individual account detail pages, you’ll see:

• A utilization bar showing your usage at a glance
• A detailed breakdown of your current balance, limit, and credit remaining (on web, just hover over the utilization bar from your Accounts page)
• The option to manually add or update your credit limit
  Keeping your utilization low is one of the most effective ways to protect your credit score and now you’ll always know where you stand across all your accounts, within Monarch.
  Check out the Credit Cards section of your Accounts page to see where you stand.

Other improvements

• 🔗 A public dashboard for bank connection quality
• 🔗 A public dashboard for bank connection quality

We've launched our new connectivity dashboard where you can see connection health metrics for every financial institution we support. Check connection success rates, how long connections stay active, and average update times—all in one place.
We’ll soon bring this information into the product so that it’s there to help exactly when and where you need it.
Check it out (and for even more context, read more about why we built it and made it public).

✨ Smarter categorization is here

✨ Smarter categorization is here

We’ve made big improvements to how Monarch categorizes your transactions. You’ll notice more accuracy than ever before, including fewer uncategorized items. It also now applies your custom categories automatically and learns from your past edits.
If you see any unexpected categorizations as the new system rolls out, don't worry—as you correct the categorization for any transaction, the system will quickly learn what fits best into your custom categories!

📊 New spending chart visualizations

📊 New spending chart visualizations

The spending widget on your dashboard now has two new comparison modes that help you understand how you’re trending:

• Current vs average month: displays current month spending against your rolling 12-month average
• YTD comparison: provides year-to-date spending vs last year

🔀 Splitting transactions just got easier

🔀 Splitting transactions just got easier

Now, when you split a transaction, it automatically inherits the original category—making the process easier and ensuring more accuracy.

What’s next

What’s next

We’re making great progress on our update to the goals feature, and you’ll continue to see foundational improvements roll out—some of which include refreshed design elements. If you missed it, here’s a look at the improvements we’ve made just recently. Bigger updates on the way include goal forecasting, on/off track status, spending for goals from credit cards, and more.
We’re also excited to deliver on enhanced collaboration features, making it easier for couples to manage money together. These new features will make it easier to view, compare, and coordinate shared and separate finances—so you can have transparency but still easily see what's yours (and even mark some accounts as private if desired).

We’re hiring

We’re hiring

We're hiring for a number of roles at Monarch across product, engineering, marketing, and ops. As you know, we love hiring Monarch members! Check out our careers page to learn more and apply.

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What's New

July 16, 2025

A new level of clarity for bank connectivity

Our new dashboard brings transparency to account connection health metrics, updated daily.

Ozzie Osman
Author

Today, we’re excited to introduce the Institution Connectivity Dashboard —a new tool that lets you instantly check how well Monarch connects to your financial institutions.
While the broader financial ecosystem presents challenges to stable connectivity—ranging from bank-side restrictions to limitations with data providers—we are doing everything we can to deliver the most stable and seamless experience possible. While much of this work happens behind the scenes, today we’re making it more visible.
The Institution Connectivity Dashboard is a big step in that direction: it brings transparency to connection performance and gives you the clarity you need to make informed decisions.

From internal metrics to a member-first tool

From internal metrics to a member-first tool
While working on improving connectivity behind the scenes, we created a series of “health metrics” to help us measure and improve performance across providers (like Plaid, Finicity, and MX) and institutions (for example, Chase, Bank of America, etc). How do we generate these metrics? We look at, in aggregate, how connections are performing from Monarch to each underlying institution through each data provider. This allows us to better understand how best to connect to each institution, detect when problems arise, and provide information to our members when things go wrong.
Over time, it became clear that this information could be just as valuable to our members as it was to us—and even help spark broader change in the industry.
We believe in putting members first, simplifying complex issues as much as possible, and always being transparent. The Institution Connectivity Dashboard manifests those values by providing a clear view of connection quality across three key areas:

• Initial Connection Success – Likelihood of successfully linking your account through a specific data provider.
• Connection Longevity – How long a connection typically stays active before requiring reauthentication or another action.
• Average Update Time – How frequently Monarch pulls in new data, helping keep your financial picture up-to-date.
  The dashboard also supports:
• Connection Popularity – How often a financial institution is linked within Monarch (sorted by most popular first).
• Internal Notes – Any known insights or updates about a specific institution’s connection status.

Why this matters

Why this matters
The dashboard is intended to help both prospective users and current members in meaningful ways:

• Allowing users to make informed decisions before signing up by checking how well Monarch connects to their financial institutions.
• Providing current members insight into connection reliability and help them understand whether an issue is specific to their account or more widespread.
• Enabling current Monarch members to decide whether they will have a better experience by switching to a different data provider.
• Generating industry-wide improvements by promoting visibility into connectivity performance across Monarch and platforms like it, data partners, and financial institutions.

What’s next?

What’s next?
This is just the beginning.
In the near future, we’ll bring these metrics into the Monarch product itself—so if you ever experience a connection issue, you’ll have helpful context right where you need it. We’ll also do our best to help you understand what’s going on when your individual account connectivity doesn’t match with what’s expected for that institution and what other members are experiencing.
We’re also planning to add features like historical connection trends, real-time outage alerts, and easier ways to report issues. We will also continue to improve on and expand these metrics; they aren’t perfect, and may not capture all possible issues today, but the more eyes we have on them, the easier it will be to improve them. With the initial debut of this dashboard, we’re excited to get your feedback and to learn other ways in which you would find the information to be useful.
Reliable bank connectivity is critical to getting the most out of Monarch. That’s why we’ve built a dedicated team focused entirely on improving it. We continue to work on improving connectivity more broadly, as well as building tools to help understand and fix issues when they arise.
Connecting to over 13,000 financial institutions is no small task, but our goal is simple: to make it feel effortless for you. The Institution Connectivity Dashboard is another step forward—providing transparency, accountability, and continuous improvement so we can simplify managing money, together.

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What's New

July 9, 2025

Your credit score, now in Monarch

From tracking your credit score to customizing notifications and moving through the app faster than ever, there's a whole lot of newness to explore in Monarch.

Jenna Tunick
Author

We've just rolled out a number of updates to help you stay more informed, more in control, and navigate Monarch with ease. Read on for details on all that's new in Monarch!

See your credit score, right from your dashboard

See your credit score, right from your dashboard

Your credit score is a key part of your finances, and now you can track it right alongside everything else in Monarch.

A new dashboard widget shows your latest score at a glance, with automatic monthly updates. Once Monarch has three months of history, you’ll also see how your score is trending over time and if your score shifts significantly—up or down—you’ll get a heads-up notification automatically.

What you’ll see:

• A new credit score widget on your dashboard
• Quick and secure setup (you’ll connect your score using our partner Spinwheel)
• A monthly update to your score, with notifications if there are major changes
• Shared visibility across your household (each member of your household can connect their own score)

Set up credit score tracking and see your latest score today.

Note: this feature is available for US members only at this time.

Customize how Monarch keeps you in the loop

Customize how Monarch keeps you in the loop

We’ve revamped the notification settings page to give you more control and clarity, so you can decide what deserves your attention—and how you hear about it. The redesigned settings page makes it easy to fine-tune alerts by channel and toggle them on or off in just a few taps.

What’s new:

• Manage in-app, email, and push alerts in one place
• Toggle all notifications on or off by channel
• Cleaner design and more clear descriptions for every type of alert

Head to your notification settings page and customize your preferences.

A faster way to search and navigate: the new CommandK search bar

A faster way to search and navigate: the new CommandK search bar

We’ve made big upgrades to Monarch’s CommandK search bar so you can move through the app faster and find what you need instantly.

What’s new:

• Search for almost anything in Monarch: categories, merchants, accounts, goals, saved reports, and more
• Find context-aware actions based on where you are in the app (for example, when viewing a transaction, you’ll see the option to “Explain this transaction”)
• Access settings such as light/dark mode
• View a full list of keyboard shortcuts

Give it a try today. From anywhere in the web app, click Cmd+K (on Mac) or Ctrl+K (on PC).

Other improvements

Other improvements

Laying the groundwork for easier goal planning

Early improvements to goals are starting to roll out as we work on larger updates behind the scenes, including target dates, forecasting, and more. Some of the improvements you’ll notice now include:

• Rules can now be used to link transactions to goals with multiple accounts
• Goals are now available as a filter on your transactions list and reports
• Transactions linked to a goal now have a special icon (a “target” symbol) shown in your transaction list view
• Archiving a goal removes it from your budget in future months
• Closed accounts are no longer displayed as options in goal setup
• Plus, we gave goal names and icons a visual refresh on mobile ✨

Clearer guidance for reconnecting your accounts

As part of our promise to provide the best possible experience with account connectivity, we’ve improved how we communicate any connection issues, making it clearer what’s going on and what to do next.

Whether it's re-entering a password, confirming a security prompt, or completing a required action at your financial institution, Monarch will guide you through exactly what to do, so you can get back to seeing up-to-date balances and transactions quickly and easily. You’ll see these new and improved messages right inside the app as well as by email.

Investments

We’ve made a number of improvements and fixes to the Investments experience. Some of the changes you’ll notice include:

• Stocks, ETFs, and crypto holdings now refresh every 5 minutes during market hours
• Manual holdings now support decimal quantities for greater accuracy
• Investment types have been standardized so they match across all parts of Monarch
• Holdings that undergo a stock split now automatically reflect the correct price history
• You can now correct the security if its misclassified (for example: changing "bonds" to "CDs")

Clearing filters just got easier

Easily reset your view when needed with a new “Clear” filters button on both the Reports and Transactions page.

Our Help Center has a new look

We gave the Help Center a refresh to make it simpler to browse and faster to find the answers you need.

What’s next

What’s next

Target will be the next retailer supported by Monarch Chrome extension! Soon, you’ll be able to sync your Target purchases just like you can with Amazon—helping ensure your shopping trips are categorized accurately and automatically.

We’re continuing work on bigger improvements to goals, with future updates focused on helping you forecast when your goal will be completed, allowing you to set target dates, and giving more helpful context on your progress.

We’re designing new collaborative features to make managing mixed finances with a partner feel more intuitive. Expect updates that make it easier to view, compare, and coordinate shared and separate finances—so you can have transparency but still easily see what's yours.

Last but not least, we’re enhancing how hidden transactions work, making sure they are hidden from the transaction list so you can keep gift purchases under wraps and surprises intact.

We’re hiring

We’re hiring

We're hiring for a number of roles at Monarch across product, engineering, marketing, and ops. As you know, we love hiring Monarch members! Check out our careers page.

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What's New

May 6, 2025

Your Amazon orders, perfectly categorized
The new Monarch Extension syncs with your Amazon orders to accurately categorize and split transactions—automatically.
Jenna Tunick
Author
Amazon orders are rarely just one item—so why should they be one category? Whether it's socks, supplements, or shampoo, Monarch can now help break it all down for you so you can do the shopping, and we can do the sorting!
Our new Chrome extension helps Monarch sync with Amazon (and other retailers to come) to better categorize and split your retail purchases—automatically. You’ll now have…

• 🧠 Smarter categorization
• 🧹 Cleaner budgets and reports
• ⏱️ Way less manual editing
• 🗒️ Notes to remind you of the details of a transaction

Here’s how it works

• Download the extension and follow the steps to connect to both Monarch and Amazon.
• Start your initial sync, which will include the last three months. You can sync older orders from within the extension settings.
• Any orders that are matched to transactions in Monarch will be split and/or recategorized as needed. We’ll even add notes with details from your order.
• You can choose to have a new sync occur every 24 hours to pull any fresh orders (just note your browser will have to be open for this to take place).

Based on your feedback, we built the extension to support Amazon first and plan to add additional retailers in the future. Target is next up, but let us know which retailers matter most to you!

We chose to build this feature as a browser extension instead of natively within Monarch largely due to the fact that Amazon doesn’t offer a public API. A browser extension helps us deliver the most reliable experience today, and we’ve designed in a way that can be easily integrated in the future if Amazon does releases an official API.

A few important notes:

• The extension works with Chrome and Chrome compatible browsers including Microsoft Edge, Brave, Opera, Vivaldi, and Kiwi.
• While the extension currently supports Amazon US, we are planning to add support for Amazon Canada shortly.
• Refunds are not categorized by the extension at this time, and we are looking into how we might support this in the future.

Additional improvements

In addition to the Monarch Extension, there are a number of improvements that have gone out lately that we don’t want you to miss.

🎁 Give and get more when you share
Know someone who would love Monarch? We’ve enhanced our referral program so you can share Monarch and both get rewarded.
Let friends, family, and even co-workers know they can get 50% off their first year with Monarch through your referral, and we’ll thank you with a $50 gift card when they subscribe. You can earn up to $500 in a year by referring 10 friends!

🔄 Transfer account data
We’ve rolled out a new way to seamlessly transfer transaction and balance history from an old account to a new one — no more CSV downloads and uploads. Now, you’re able to transfer data in just a few clicks! To access the feature, head to the Accounts page on desktop web, click into the account you want to transfer from, choose Edit, and you’ll see the new Transfer data option.

🔔 Notification accuracy
We’ve fixed the logic for notification badge numbers to ensure it matches unread notifications in the app. This is just one of many improvements to notifications that you’ll see roll out very soon.

💰 Continued Flex Budgeting improvements
You can now move money between fixed categories, non-monthly categories, and your flexible budget.
We’ve also added a line for your “Unallocated flexible budget” to make things easier to track. While we recommend keeping things simple by budgeting just at the Flexible level, we know some people prefer to budget individual categories too. This update helps clarify any gaps between your overall flexible budget and what's been allocated underneath it.

✨ Transactions and reports
We’ve made a number of improvements related to transactions and the reports page, including:

• Added the ability to filter for “untagged transactions” (highly requested by those in our Reddit community!)
• Updated bar charts to include an average line
• Added the ability to quickly create a new manual transaction by duplicating and editing an existing transaction
• Enabled rule creation directly from a transaction, with key details like merchant and amount pre-filled. Both this and the ability to duplicate can be found as options behind the three dots from the transaction detail page.

🇨🇦 Canadian address support
We’ve updated the household settings page to include support for Canadian addresses.

Bug fixes

We fixed a bug that was causing issues when typing in the merchant search field.

What’s Next

• Our improvements to the Goals feature is in progress and we’ll be running some prototypes by users soon. We’ll continue to share more updates on Goals progress, we know its eagerly awaited!
• We’re working on bringing Reports to mobile, so you can access them no matter where you are.
• Soon you’ll have the ability to track your credit score within Monarch, bringing more of your financial picture into one place.
• Notifications are getting an upgrade. This includes new notification options and a refresh of the preferences center so that you can be sure you’re getting what’s most helpful and opt out of getting what’s not.
• We’ve got a lot more coming, including a little something for our Android users!

We’re hiring

We're hiring for a number of roles at Monarch across product, engineering, and marketing. We love hiring Monarch members, so if this sounds interesting, check out our careers page.

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What's New

February 26, 2025

Your favorite reports, now one click away

Now you can save your favorite reports for quick access. Plus a number of other improvements!

Jenna Tunick

Author

Reports are one of the most powerful tools in Monarch, enabling you to gather meaningful financial insights—sliced, diced, customized, and visualized in ways that help you make smarter financial decisions. Whether you’re tracking spending trends, analyzing cash flow, or doing a look back at 2024 for tax purposes, reports can help you zoom in to get a visual representation of what matters most.

Until now, you had to recreate reports from scratch each time you wanted to see updated data. Now, your saved reports are conveniently bookmarked on the Reports page, so you can build them once and access them quickly whenever you need fresh insights.

Get Inspired

Need some inspiration for reports worth saving? Here are some favorite reports, crowdsourced from our members:

• Spending trends — a bar chart showing month-over-month spending for specific merchants (e.g., Starbucks) or entire categories like Restaurants & Bars.
• Vacation expense breakdown — a donut chart visualizing how much you spent on hotels, dining, and activities.
• Household financial flows — a Sankey diagram filtered to joint accounts.
• Rental income vs. rental expenses — a Sankey diagram showing how rental revenue compares to property-related costs.
• Discretionary spending trends — a look back at how your flexible expenses have been trending over time.
• Year-end tax reports — a spending report filtered to tax deductible expenses for easier tax prep.

Please note the Reports feature is currently only available on web.

Improved time frame options

We've also expanded date range selections for your custom reports. You can now choose relative options like "This month," “Last year” or "Last 2 quarters", which update automatically when the report is loaded.

Additional improvements

In addition to saved reports, we've shipped a number of updates recently, all based on your feedback.

• 🔗 New institution connection options
  When you no longer want a particular institution to sync with Monarch, you now have a new choice: instead of deleting the connection and all historical transactions, you can delete just the connection. This means Monarch will no longer sync with the institution, but will keep past transactions for reference. You can do this from the Institutions page within Settings.
  This is just one of many things we have in the works to make the experience of connecting or disconnecting accounts more seamless.

• 📅 YTD view
  A top-requested feature is here! You can now see your year-to-date finances on the Accounts page and dashboard widget, giving you a clearer snapshot of your progress for the year.

• 💰 More intuitive budgeting updates
  By default, "Apply changes to future months" is now unchecked when adjusting your budget, giving you more control over how updates apply. You can always change your default option in the Budget page under Settings.

• 📉 Dynamic y-axis scaling in charts
  On the web, we've improved vertical bar charts with dynamic y-axis scaling, ensuring outliers don’t distort your financial trends.

• 🎨 Visual enhancements
  We’ve refined colors and contrast, especially in dark mode, and improved the styling of the spending dashboard widget for better readability.

• 🔎 Flex budgeting summary
  If you use Flex Budgeting, your default summary card on the budgeting page and dashboard widget now highlights your Fixed, Flexible, and Non-monthly expense progress, making it easier to track your spending.

• ⚡Quicker actions on the Transactions page
  On mobile, we've streamlined the Transactions page, separating “Add New” and “Edit Multiple” actions for quicker access.

• ✨Performance enhancements
  You’ll notice faster load times and performance improvements across iOS and Android. On iPad, we improved stability to prevent the app crashing while editing transaction notes.

What’s next

We’ll soon be rolling out a more streamlined process for transferring data when switching your account connection to a different provider. This will make it easier to merge the transaction and account balance history from your old account with the new one.

The long awaited Amazon import functionality is in the works! Soon you’ll be able to connect your Amazon purchases and have transactions automatically updated to the appropriate category (or split into multiple transactions if needed, for accurate categorization.) Stay tuned!

We’re hiring

We’re hiring for a number of roles at Monarch across product, design, engineering, marketing, and customer success. We love hiring Monarch members, so if this sounds interesting, check out our careers page!

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Today we rolled out Monarch’s new look along with product updates to make managing your money even easier.

Monarch has come a long way since we launched four years ago. Monarch’s feature set has expanded significantly across web, iOS, and Android as we work toward our mission of helping people lead richer lives by making better financial outcomes available to all.

While so much has evolved, some parts of Monarch have stayed the same — and we decided it was time for a refresh.

Over the past few months, a small team has been hard at work tackling a number of “quality-of-life” improvements that will make Monarch even more enjoyable to use. We’ve improved information density, boosted color contrast, and improved some of our core features to make Monarch better than ever.

Improvements to Reports and Recurring

Interactive reports

You can now interact directly with all reports and charts on the desktop version of Monarch to dynamically filter your transaction list right on the same page. This has been one of our most-requested features, and it makes it easier than ever to update your transactions. You’ll see your reports update live, without having to jump to another page.

Better visibility for your recurring expenses

Recurring costs are the foundation of your budget — things like your mortgage, car payments, and other essentials that need to be covered first. We’ve revamped the Recurring page and added a handy summary view, making it easier for you and your partner to see what’s ahead and plan your cash flow more effectively.

Clearer Colors and Contrast

An updated color palette

With our updated colors, Monarch keeps its vibrant look while adding a sense of warmth and approachability. We’ve also listened to your feedback: the expanded palette improves contrast, making it easier to scan your budget, read reports, and update transactions.

Improved dark mode

The updated color palette brings a completely refreshed dark mode, making your Monarch experience feel more in tune with the rest of your digital world. And yes, we’ve retired what some of you lovingly referred to as “Navy Mode” 😄

More Room to Operate

More information, less scrolling

We’ve listened to your feedback and tweaked the whitespace in key areas to pack in more information where it matters most. You’ll notice these updates on the following pages:

• Dashboard. We’ve redesigned the dashboard widgets to better utilize space on both desktop and mobile.
• Accounts. We’ve improved information density for the accounts page on desktop, and made each group of accounts collapsible.
• Transactions. We’ve condensed the height of each transaction row on desktop and mobile to bring more into view.
• Budget. On desktop, you can now collapse the income, expense, and contribution sections completely. We also tightened up spacing to bring more of your budget into view.

Updated navigation & breadcrumbs

We’ve given the navigation a refresh in the browser version of Monarch. The sidebar is now functional even when collapsed, giving you more room to dive into your finances. Plus, we’ve added breadcrumbs to detail pages to make getting around even easier.

Our New Logo: Two Wings, One Line

A new logo

We chose the name “Monarch” because the butterfly is an extreme symbol of transformation, and we’ve seen firsthand how better financial practices can transform people’s lives. The butterfly isn’t going anywhere — but like our product, it’s getting a refresh to better represent how we serve you.

• We’ve redesigned our logo to capture the simplicity and ease that comes with bringing all your finances together in one place.
• Our updated logo incorporates this collaborative spirit of managing your finances with a partner, advisor, or coach — it’s now made of two distinct lines that come together, joined in a common purpose.

(We also added a small easter egg: You can now customize the mobile app icon, on iOS specifically)

What's Next

In parallel with everything launched today, we’re continuing to make progress on a number of projects we know are important to you.

Data Connectivity

First thing next year, you can expect a simplified process for transferring data when switching your account connection to a different provider. This will make it easier to merge the transaction and account balance history from your old account with the new one. While we acknowledge this doesn't solve connectivity issues, it will make for a more seamless process for switching providers when those issues arise.

Beyond this, we now have a team fully dedicated to improving connectivity. Our multi-pronged approach includes getting to quicker diagnosis of issues, improved guidance when a disconnection occurs, and enhanced transparency into whether a connection issue is specific to your account, your institution, or on Monarch’s side. We also continue to collaborate with our data partners to improve “troublesome” connections with certain financial institutions.

Goals

We’re revamping our Goals feature to make it even more simple and intuitive for you to plan for your savings goals, big and small. You can also expect to see this launch early next year.

Saved views on Reports

Another highly requested item is the ability to save particular views in Reports so you can get the personalized insights you need more quickly, any time you visit the Reports page. This is in the works and will be available soon.

Get a heads up the moment they are ready by joining our Reddit community or by keeping an eye on our What’s New updates. Thank you again for joining us on this journey. We’re looking forward to all that’s to come in 2025!

Changelog

Here is a full list of the improvements included in this update:

Mobile

• Updated dark mode and light mode color palettes to improve contrast
• Redesigned mobile dashboard cards to improve information density
• Added an income, credit card, and expenses summary to the recurring tab
• Reduced the height of transactions in lists to improve information density
• Reduced the height and gap of the bars on the Cash Flow screen to improve information density
• Reduced the height of settings lists and menus to improve information density
• Redesigned left navigation to more clearly differentiate features and settings
• Added a confirmation step when tapping “Mark all as reviewed” to prevent accidental bulk updates
• Moved the notification bell out of the left menu and into the header to reduce friction
• Added the ability to customize the mobile app icon from settings

Desktop

• Updated dark mode and light mode color palettes to improve contrast
• Reports charts are now interactive and filter the transactions list below when clicked
• Added an income, credit card, and expenses summary to the recurring page
• Added breadcrumbs to detail pages to make navigation easier
• Made the main sections of the budget page collapsible and improved information density
• Redesigned the left navigation so it can still be used when collapsed
• Reduced height of transactions in lists to improve information density
• Added a toggle on the Accounts summary to switch between Total Amounts and Percents
• Made account groups collapsible on the Accounts page
• Simplified the header of account groups to improve information density
• Shrunk the height of the account rows on the accounts page to improve information density
• Simplified chart axis styling to improve visual polish
• Reduced top margin of all modals to reduce the need to scroll
• Shrunk the width of the left navigation and global padding to improve information density

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