Review Time
Very difficult getting issues resolved. Expect at least a 24 hour wait before getting anything resolved. Other issues involved info not posting in a timely manner with certain property values. No direct assistance and figuring things out takes longer. Not fir everybody though the reviews are glowing. My biggest gripe is getting personal info listed and only a 7 day trial period is not enough of a testing period if having trouble figuring things out even with reaching support. After the seven days is over, forget reaching a person and you’re already committed to paying for the service unless you cancel before the seven days are up my son recommended it so ordinarily I would’ve canceled the first sign of trouble, but I tried to really give it an even chance. It proved way too frustrating for me and having to wait for help makes it an even more frustrating experience. If you don’t have that many accounts, likely you aren’t going to have as many issues as I did. Be sure to start the process when you have time to get it all done to see if it really is worth it for you. When you’re dealing with keeping track of your money and making sure that things are right, you don’t want to be paying for a service that doesn’t serve you appropriately for keeping track of your money needs. No place to leave a review on their website either. Frustrating sums up my experience. I really wish I had checked them out on trust pilot before wasting my time and energy
The app is a good Mint replacement, but managing broken connections is hell. Every time the connection breaks, you should create a new institution and transfer all the data from the old institution, then delete the old institution. It’s insane that institutions are hardlinked to connection providers. Please fix this to get 5 stars!
Operating a business that makes software for personal finances — where lots can go wrong and each problem is consequential — and charging $100 a year for the software is ok. Having zero customer support in 2025 is incomprehensible and reprehensible. Yes you can get an email response every 48 hours or so, but not one that solves your problem. Avoid.
Used a monthy subscription for about 2 mths and work fine. Bought the 1 yr subscription and 5 weeks later connection issues with one bank and then the other. Useless as a tool for me in Canada. Don't buy. Customer service says : your call is important to us... but nothing gets fixed.
I love this Monarch, but... The budget and tracking app has been so great for about 10 months and I have relied on it heavily. Until the beginning of April. Lost connection, customer service is only a delayed 24 hour response. Sometime you just want someone to take the wheel and drive for 5 minutes, but instead I email, wait a day try to download, upload, connect, doesn't work, email, wait a day and do it all over again. frustrating experience after a great 10 months and risking lost of all that data. Sucks when such a great product isn't back by great customer service. I will update my rating once they fix the customer service.
I started using Monarch eight months ago. Seemed ok with the occasional issue, but issues kept compiling and getting more frequent over time. Duplicate transaction imports. Missing transactions. Connected accounts repeatedly disconnected and requiring FIVE MINTES FROM ME EVERY THREE DAYS TO RECONNECT. Changes I make to transactions GETTING LOST. Do not start relying on Monarch for any data you care about because moving away is a horrendous task. And support is beyond useless. Just another VC train wreck.
Just cancelled. I loved the tool at first, really great features but the underlying data pull from institutions are not accurate rendering the tool useless. I have spent hours in the tool over the last few months and feel I am owed a refund as the tool just does not work.
I transferred to Monarch Money in January from Mint. I realized immediately it did not have a feature I needed- I could not roll over my variable income from month to month, so I could compare how I was doing budget-wise for the year- but I plugged on thinking I could work around itHowever, I soon noticed that transactions were being regularly auto-deleted by the system. I alerted support who worked for months to resolve the problem but could not. I had to constantly recheck my transactions to see what I had to re-categorize. This took so much of my time, I elected to begin again in another software.
Monarch Money is a great concept poorly executed. The financial institution connections are unreliable. Transactions are regularly auto-deleted by the system. This is a known issue and after five months of support promising they will fix it, they haven't figured it out yet. The system is supposed to be a time saver but instead requires much more time reviewing everything to make sure all the transactions are there - and haven't been deleted or duplicated since the last time I reviewed the transactions. Basically unusable. In addition, the user interface is buggy and simply doesn't work some days. I held off since January from writing a review but there seems to be no progress to improve the system.
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