Monarch Money

Monarch (formerly Monarch Money) is a subscription personal-finance app for budgeting, net-worth and account tracking, investment monitoring, goals, forecasting, and collaborative money management for couples and financial professionals. Backed by Accel and Forerunner Ventures, it connects to users' bank, credit-card, loan, and investment accounts through vetted aggregation partners with read-only permissions, and positions itself as a privacy-first, ad-free alternative to Mint and similar apps. Monarch publishes no documented public developer API; programmatic access exists only via an unofficial community Python library that reverse-engineers the app's private GraphQL backend. The company operates a public status page, a SafeBase Trust Center, and is SOC 2 Type 2 certified. This profile was surfaced as a VC portfolio lead and enriched from Monarch's public web surface.

Monarch Money is profiled on the APIs.io network. Tagged areas include Company, Fintech, Personal Finance, Budgeting, and Money Management.

Monarch Money’s developer surface includes pricing, signup flow, engineering blog, support, changelog, and 14 more developer resources.

🌐 Visit website 📡 Source on GitHub

25.6/100 emerging ▬ flat Agent 4/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

CompanyFintechPersonal FinanceBudgetingMoney ManagementConsumerTrust Center

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 25.6/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 12.1 / 20

Operational Transparency 5.5 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 4/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 0 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/monarch-money: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

Design & Contract 1

Pagination, idempotency, versioning, errors, and events

Lifecycle

Lifecycle

Build 1

SDKs, sample code, and the tooling you integrate with

Packages

Packages

Access & Security 4

Authentication, authorization, and security posture

Security

Compliance

TrustCenter

DomainSecurity

Operate 5

Status, limits, changes, and where to get help

Support

HelpCenter

StatusPage

ChangeLog

ChangeLog

Commercial 3

Pricing, plans, and the legal terms of use

Pricing

Pricing

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 2

The organization behind the API

Website

Website

Blog

Blog

Source (apis.yml)

aid: monarch-money
name: Monarch Money
description: Monarch (formerly Monarch Money) is a subscription personal-finance app for budgeting, net-worth and account
  tracking, investment monitoring, goals, forecasting, and collaborative money management for couples and financial professionals.
  Backed by Accel and Forerunner Ventures, it connects to users' bank, credit-card, loan, and investment accounts through
  vetted aggregation partners with read-only permissions, and positions itself as a privacy-first, ad-free alternative to
  Mint and similar apps. Monarch publishes no documented public developer API; programmatic access exists only via an unofficial
  community Python library that reverse-engineers the app's private GraphQL backend. The company operates a public status
  page, a SafeBase Trust Center, and is SOC 2 Type 2 certified. This profile was surfaced as a VC portfolio lead and enriched
  from Monarch's public web surface.
url: https://raw.githubusercontent.com/api-evangelist/monarch-money/refs/heads/main/apis.yml
x-type: company
x-source: vc-portfolio
x-backed-by:
- accel
- forerunner-ventures
x-tier: stub
x-tier-reason: portfolio-lead
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
image: https://cdn.sanity.io/images/mdewiujj/production/42e4e4b2c48f8120fd3102146cfb6cd334b3fd8a-1200x630.jpg
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Fintech
- Personal Finance
- Budgeting
- Money Management
- Consumer
- Trust Center
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: Website
  url: https://www.monarch.com/
- type: Pricing
  url: https://www.monarch.com/pricing
- type: SignUp
  url: https://app.monarch.com/signup
- type: Login
  url: https://app.monarch.com/login
- type: TermsOfService
  url: https://www.monarch.com/terms
- type: PrivacyPolicy
  url: https://www.monarch.com/privacy
- type: Blog
  url: https://www.monarch.com/blog
- type: Support
  url: https://help.monarch.com/hc/en-us
- type: HelpCenter
  url: https://help.monarch.com/hc/en-us
- type: StatusPage
  url: https://status.monarch.com/
- type: ChangeLog
  url: https://www.monarch.com/whats-new
- type: ChangeLog
  url: changelog/monarch-money-changelog.yml
- type: Lifecycle
  url: lifecycle/monarch-money-lifecycle.yml
- type: Security
  url: https://www.monarch.com/security
- type: Compliance
  url: https://www.monarch.com/security
- type: TrustCenter
  url: security/monarch-money-trust-center.yml
- type: DomainSecurity
  url: security/monarch-money-domain-security.yml
- type: Packages
  url: packages/monarch-money-packages.yml
- type: WellKnown
  url: well-known/monarch-money-well-known.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 6
  pass: local-v1