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Monarch Money app reviews: what users complain about
We ran AppGripe on 300 of the most recent public App Store reviews of Monarch: Budget & Track Money (Budgeting, by Monarch Money, Inc.) from 2 storefronts, dated 2024-03-24 to 2026-10-21. Average rating in this sample: 3.05★. Its all-time US App Store rating is 4.9★ from 115K ratings. 171 reviews contained a complaint; the biggest theme was bugs (82%).
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Complaint categories
| Category | Reviews | Share of complaints | Avg severity (0–3) |
|---|---|---|---|
| Bugs | 141 | 82% | 2.4 |
| Pricing / subscription | 74 | 43% | 2.5 |
| Feature requests | 52 | 30% | 2.2 |
| Performance | 20 | 12% | 2.4 |
| UX / design | 16 | 9% | 2.3 |
| Crashes / freezes | 6 | 4% | 2.6 |
A review can count in several categories, so shares add up to more than 100%. Severity is the AI's estimate of how bad the problem is for the user.
Top issues, ranked by reviews × severity
- Stop data / progress loss: 61 complaining reviews, avg severity 2.4/3. What to do: Reproduce sync and restore paths; add server-side backup and a visible "restore" option.
“It’s not about the app itself but about the credit card connection. I didn’t have a chance to use it appropriately during the trial period, as no credit/debit cards could be linked due to the PLAID synch issue, which hasn’t been resolved yet. Please react to t…” (3★, v2.0.17, CA) - Fix login / account access: 48 complaining reviews, avg severity 2.5/3. What to do: Audit the sign-in flow (SSO, password reset, verification emails) on the latest version; add clear error messages.
“App (both mobile and web) are both excellent. Clean UI and surface most of the stuff I’m interested in. But the sync still needs attention. Several of my accounts disconnect on a daily basis. So every day I’m getting emailed warnings about institution disconne…” (3★, v2.0.59, CA) - Justify or adjust the price: 36 complaining reviews, avg severity 2.5/3. What to do: Test a cheaper tier, annual discount or one-time purchase; show what paid users get.
“They’re selling a subscription at the same price as the US, but most of the services, such as bill payment and investment accounts, don’t work in Canada. On top of that, all of the bank connections I have in Canada disconnect almost every day. In short, using…” (1★, v2.0.11, CA) - Answer support requests: 29 complaining reviews, avg severity 2.5/3. What to do: Add an in-app contact option and reply to these App Store reviews; Apple lets developers respond publicly.
“I opened a support ticket because one of my account’s balance is showing 0. Support is unable to assist and did not respond to my most recent response. Their system keeps trying to close my ticket as inactive but the issue is still reoccurring. Very poor custo…” (1★, v2.0.118, US) - Improve content quality: 19 complaining reviews, avg severity 2.3/3. What to do: Review the content areas users name; add a "report a problem" button on content.
“Too many transactions are the wrong category. Too many accounts disconnect all the time. Basically you need to check it everyday to stay on top of it.” (1★, v2.0.116, US) - Ship the most requested feature: 12 complaining reviews, avg severity 1.9/3. What to do: Read the quotes below for the exact request; consider a public roadmap.
“Please add currency options (CAD, USD) per account for those who connect Canadian and American bank accounts. The app artificially inflates the value of assets and liabilities in Canadian accounts because it assumes everything is in USD. This sadly takes away…” (3★, v2.0.120, CA)
Rating by app version (newest first)
| Version | Reviews | Avg stars | Share with a complaint |
|---|---|---|---|
| 2.0.123 | 8 | 4.0 | 25% |
| 2.0.122 | 7 | 4.0 | 29% |
| 2.0.120 | 23 | 3.3 | 48% |
| 2.0.118 | 13 | 3.4 | 46% |
| 2.0.117 | 4 | 2.5 | 75% |
Versions with fewer than 3 reviews in the sample are left out.
FAQ
What do users complain about most in Monarch Money?
In 300 recent App Store reviews (2024-03-24 to 2026-10-21), the most common complaint theme was bugs (82% of complaining reviews), and the top specific issue was “stop data / progress loss” (61 reviews).
How many Monarch Money reviews are negative?
171 of 300 recent reviews (57%) contained a complaint. Average rating in this sample: 3.05★. Its all-time US App Store rating is 4.9★ from 115K ratings.
Can I get the same report for my own app?
Yes. Paste your App Store or Google Play link at revunda.xyz/apps/ and you get the full PDF (up to 300 recent reviews, 7 categories, 18 specific issues, version trend, 10 ranked fixes) within 24–48 hours. A free mini check shows the top 3 themes in seconds.
How to read this
Apple's public feed only shows recent reviews, so this is a snapshot of the last weeks or months, not the app's full history. Popular apps attract complaints in proportion to their size; the useful part is which issues repeat. Generated 21 October 2026. We have no relationship with Monarch Money, Inc..
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