Monarch (Monarch Money) is a personal finance app that helps you track accounts, budgets, and spending in one place. It typically costs around $14.99 per month or about $99.99 per year for the Core plan, with a higher Plus tier available.
Charges usually appear on a credit or debit card, or through your Apple or Google account depending on how you signed up.
Deleting the Monarch app does not cancel your subscription. You must cancel through the correct billing channel to stop auto-renewal. This guide shows you the exact steps so you can end the recurring charge.
What Is Monarch and How Billing Works
Monarch Money is a paid budgeting and tracking tool available on web, iPhone, and Android. Plans are subscription-based with no free long-term tier. Most users pay monthly or yearly. A short free trial is often offered when you first sign up.
Billing can come from three places: Monarch’s own website (direct card charge), the Apple App Store, or the Google Play Store. The charge typically shows under “Monarch” or a similar descriptor on your statement or app-store history.
Anyone who subscribed can cancel their own plan. After you cancel, you generally keep full access until the end of the current billing period.
How to Cancel from the Website (Direct Billing)
Use this path if you signed up and paid on monarchmoney.com or through the web app.
- Open a browser and go to app.monarchmoney.com. Sign in.
- Go to the Billing Settings page (web only).
- Click “Manage subscription.”
- Click “Cancel Subscription.”
- Confirm the cancellation.
You should see a confirmation. Your access continues until the end of the paid period. Future charges stop after that date.
Canceling If Billed Through Apple or Google
On iPhone or iPad
- Open the Settings app.
- Tap your name at the top.
- Tap Subscriptions.
- Select Monarch from the list.
- Tap Cancel Subscription and confirm.
If Monarch does not appear, you may be on a family plan. Ask the family organizer to cancel it. Monarch cannot manage or refund Apple subscriptions. Contact Apple directly for any refund requests.
On Android
- Open the Google Play Store app.
- Tap your profile picture in the top right.
- Tap Payments & subscriptions, then Subscriptions.
- Select Monarch from the list.
- Tap Cancel subscription and follow the prompts.
If you do not see Monarch, check whether a family manager controls the subscription.
What Happens After You Cancel
You keep access to Monarch for the remainder of your current billing period. No new charges should process after that period ends.
Canceling the subscription does not delete your account. Your data stays available so you can export history or reactivate later if you choose.
Institution connections may disconnect after roughly 30 days of inactivity once the paid period ends. You can delete the account separately later if you want a full removal.
Tips for a Smooth Cancellation
Confirm which billing method you used before starting. Check your email receipts or the app-store purchase history. Web sign-ups must be canceled on the website. App-store sign-ups must be canceled in Apple or Google settings.
Cancel at least a day before the renewal date if possible. Save any confirmation screen or email. If you want a refund on a direct (website) subscription, Monarch offers a money-back option for remaining time under its guarantee. App Store purchases must go through Apple.
Export any budgets, reports, or transaction history you want to keep before the paid period ends.
Common Problems and Solutions
You cannot find the cancel option on the website. Make sure you are logged in on a web browser, not only the mobile app. Go directly to the Billing Settings page.
Monarch does not appear in your Apple or Google subscriptions list. You may have signed up on the website instead. Cancel through the web Billing Settings. Or you may be on a family plan and need the organizer to cancel.
A charge still appears after canceling. Review the confirmation for the exact end date. A charge already in process can still post. Contact Monarch support through their help center for direct billing issues, or Apple/Google for app-store issues.
FAQs About How to Cancel Monarch Subscription
Q: Does deleting the Monarch app cancel my subscription?
No. Uninstalling the app leaves the subscription active and will continue to bill you. You must cancel through the website, Apple Settings, or Google Play depending on how you originally subscribed.
Q: Will I be charged again after I cancel?
Once cancellation is confirmed, future charges stop at the end of the current billing period. You keep access until that date. Check your confirmation for the exact cutoff.
Q: Can I get a refund after canceling Monarch?
For direct website billing, Monarch typically offers a money-back guarantee for the remaining time on the subscription. App Store purchases are handled only by Apple, and Google Play purchases by Google. Contact the correct party based on your billing source.
Q: What happens to my data and account after I cancel?
Your account and data remain available. You can still log in to export information or resubscribe. Connections to banks may disconnect after a period of inactivity. You can permanently delete the account later from the Security settings if desired.
Conclusion
Canceling a Monarch subscription is straightforward once you know which platform billed you. Use the website Billing Settings for direct charges, or the Apple and Google subscription managers for app-store billing. This stops the auto-renewal and prevents further recurring charges after the current period ends.
Save the confirmation and watch your next statement. If anything looks incorrect, reach out through Monarch’s help center or the relevant app store for account-specific help.
Disclaimer: This article provides general educational information based on publicly available details from Monarch’s help pages at the time of writing. It is not financial or legal advice. Policies, pricing, and interfaces can change. Contact Monarch or your payment provider for account-specific help.
