Monarch

Monarch (Monarch Money) is a modern personal finance and money-management app that brings a household's accounts, budgets, investments, and goals into one shared view. It aggregates connected bank, card, loan, and investment accounts, automatically categorizes transactions, and lets couples, families, and financial professionals collaborate on budgeting and net-worth tracking at no extra cost. Monarch is a direct-to-consumer subscription product ($99/year) and does not publish an official public developer API — account connectivity is handled by third-party aggregators and the app is driven by a private internal GraphQL backend (api.monarch.com/graphql, authenticated). A community-maintained, unofficial Python library reverse-engineers that backend. Monarch is a Menlo Ventures portfolio company; this profile was enriched from its public web surface.

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

Monarch’s developer surface includes engineering blog, pricing, signup flow, support, and 10 more developer resources.

🌐 Visit website 📡 Source on GitHub
23.6/100 emerging ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5
0 APIs
CompanyPersonal FinanceFintechBudgetingMoney ManagementFinancial PlanningConsumer

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5
Composite quality — 23.6/100 · emerging
Contract Quality 0.0 / 25
Developer Ergonomics 1.3 / 20
Commercial Clarity 12.1 / 20
Operational Transparency 3.4 / 13
Governance 0.0 / 12
Discoverability 6.8 / 10
Agent readiness — 0/100 · 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 0 / 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: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Monarch Domain Security

TLSv1.3 · DMARC

SECURITY

Monarch Trust Center

SOC 2

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

SignUp
SignUp
 Login
Login

Build 1

SDKs, sample code, and the tooling you integrate with

Packages
Packages

Access & Security 4

Authentication, authorization, and security posture

Security
Security
 TrustCenter
TrustCenter
 Compliance
Compliance
 DomainSecurity
DomainSecurity

Operate 2

Status, limits, changes, and where to get help

Support
Support
 StatusPage
StatusPage

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)

apis.yml Raw ↑ 
aid: monarch
name: Monarch
description: Monarch (Monarch Money) is a modern personal finance and money-management app that brings a household's accounts,
  budgets, investments, and goals into one shared view. It aggregates connected bank, card, loan, and investment accounts,
  automatically categorizes transactions, and lets couples, families, and financial professionals collaborate on budgeting
  and net-worth tracking at no extra cost. Monarch is a direct-to-consumer subscription product ($99/year) and does not publish
  an official public developer API — account connectivity is handled by third-party aggregators and the app is driven by a
  private internal GraphQL backend (api.monarch.com/graphql, authenticated). A community-maintained, unofficial Python library
  reverse-engineers that backend. Monarch is a Menlo Ventures portfolio company; this profile was enriched from its public
  web surface.
url: https://raw.githubusercontent.com/api-evangelist/monarch/refs/heads/main/apis.yml
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
x-type: company
x-source: vc-portfolio
x-backed-by:
- menlo-ventures
x-tier: stub
x-tier-reason: portfolio-lead
specificationVersion: '0.20'
created: '2026-07-17'
modified: '2026-07-20'
tags:
- Company
- Personal Finance
- Fintech
- Budgeting
- Money Management
- Financial Planning
- Consumer
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: Blog
  url: https://www.monarch.com/blog
- 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: Support
  url: https://help.monarch.com/hc/en-us
- type: StatusPage
  url: https://status.monarch.com/
- type: Security
  url: https://www.monarch.com/security
- type: TrustCenter
  url: security/monarch-trust-center.yml
- type: Compliance
  url: https://www.monarch.com/security
- type: DomainSecurity
  url: security/monarch-domain-security.yml
- type: Packages
  url: packages/monarch-packages.yml
x-enrichment:
  date: '2026-07-20'
  status: enriched
  artifacts_added: 3
  pass: local-v1