Marking a goal as complete

screenElements:
Banner
Card
Grid List
Progress Indicator
Photo
Dropdown Menu

screenPatterns:
Goal & Task
Action Option

screenKeywords:
>< Q A = Goals Actions v
Free trial 20 days left - . - :

E s b .

| 7 V | - . ‘77 V : %
@ Dashboard " . ol

RETIREMENT VACATION VACATION (TURKEY)
€ Accounts $ 00 $2 00 $2 00
3 e v © Completed : e

B Transactions C__________________________________J C___________________________________J e
o Cash Flow
(© Reports BETA
U Budget
B8 Recurring
Goals
~  Investments
&5 Advice
% Get 1 Month Free
D Help & Support
o Jane Smith v
|b14 Q A = ﬁ‘ Vacation Actions
Free trial 20 days left = e = .
@ Dashboard - ' . S
€ Accounts
B Transactions
VACATION
o Cash Flow $100
© Completed
. __________________________________________________________________________________________________________________________________________________________J
(© Reports BETA
Budget . .
o : Contributions Balances - $0.00 this month
B8 Recurring
X] USD account (...1191) $1.00
Goal C2028 | 20242 Checking = +++ 1191 - $0.00 (0%)
el Budget
$2
~  Investments
$0 Details
@ Advice
Dec Jan Feb Mar Apr May Jun .
Goal priority N
#2
% Get 1 Month Free Budget contributions N
Transactions $2/mo
D Help & Support
Target amount N
o Jane Smith v $2
|>< Q A = Goals Actions v
Free trial 20 days left
$  Your balances have been updated, and can be used to reach your goals. Update now
@ Dashboard ‘
3 . ; N : NG
€ Accounts i - A
— S — : H \
B Transactions " . \ N d
I - RETIREMENT VACATION VACATION (TURKEY)
olo Cash Flow
$5.00 (5 ] $1.00 (77 $2.00 (5 ]
@ Reports BETA .} N .
U Budget
B8 Recurring
Goals
A Investments
&9 Advice
% Get 1 Month Free
D Help & Support
o Jane Smith v
|b14 Q A = ﬁ‘ Vacation Actions
Free trial 20 days left = e = .
@ Dashboard - ' —-— 3
€ Accounts
B Transactions
VACSIION $1 left to save
o Cash Flow $1.00 Saved 50% of $2
¢ ______________________________________________________________________________________________]
(© Reports BETA
Budget . .
o : Contributions Balances - $0.00 this month
B8 Recurring
X] USD account (...1191) $1.00
Goal C2028 | 20242 Checking «+++ 1191 -> $0.00 (0%)
0als Budget
$2
~  Investments
$0 Details
@ Advice
Dec Jan Feb Mar Apr May Jun .
Goal priority N
#2
% Get 1 Month Free Budget contributions N
Transactions $2/mo
D Help & Support
Target amount N
o Jane Smith v $2
|»¢ Qa Q = E‘ Vacation Actions
Edit accounts r
Free trial 20 days left Ei= . -
Mark as complete
@ Dashboard i % - - Archive goal
—ad :
€ Accounts
B Transactions
VACSIION $1 left to save
oo Cash Flow $1 .00 Saved 50% of $2
¢ ______________________________________________________________________________________________]
(© Reports BETA
Budget . .
o : Contributions Balances - $0.00 this month
B8 Recurring
X] USD account (...1191) $1.00
Goal C2028 | 20242 Checking ««++ 1191 -> $0.00 (0%)
0als Budget
$2
~  Investments
$0 Details
@ Advice
Dec Jan Feb Mar Apr May Jun .
Goal priority N
#2
% Get 1 Month Free Budget contributions N
Transactions $2/mo
D Help & Support
Target amount N
o Jane Smith v $2


Using AI assistant

appName: Monarch

appCategory: Finance

appTagline: The modern way to manage your money

companyHqRegion: US & Canada

companyStage: Early Stage

platform: web

pageType: Application

hotspotType: Click

pageType: Application Application Application

screenKeywords:
Q 2 = Settings
Free trial 20 days left .
Account How transactions work
@ Dashboard Profile Mark new transactions as Needs Review
Display All newly synced transactions will be labeled as Needs Review and will be displayed in the Needs Review filter.
€ Accounts
Notifications
B Tarcacicne Mark uncategorized transactions as Needs Review @
Security Any new uncategorized synced transactions will be marked as Needs Review and will be displayed in the Needs
Review filter.
oo Cash Flow
D) BETA Household . . .
C  Reports Allow edits to pending transactions @
When this setting is turned off, pending transactions will be read-only, and will not be included in your
@ Budget General budget and cash flow reports. When it is turned on, pending transactions will be editable and included in
all reports.
B Recurring Members
Preferences ® Please be aware that matching pending transactions to their posted version is not
Goals always feasible due to potential changes in amounts and other details. If we cannot
o match them, any changes you make to the pending transaction will be lost, and you
Institutions will have to update the posted transaction again.
A Investments
Categories
&9 Advice
Merchants
Monarch Labs
. )
¥%  Assistant Rules
i a@
Tags Al Assistant seTa
When turned on, Assistant will appear in the navigation for your entire household. Answers from the Assistant
Data may occasionally contain incorrect or inaccurate information. Learn more.
D Help & Support
Billing
83 Jane Smith 4
Referrals
|Q A4
%
Free trial 20 days left Welcome to your Al Assistant
o
Eb It will get better with your feedback
(@ Dashboard . L
Use of the Assistant may result in incorrect or
inaccurate information. Please rate the responses and
€ Accounts . L ,
flag anything that is inaccurate or helpful. We'll use
this anonymized feedback to improve. Learn more
B Transactions
& Your data is protected
o Cash Flow Our Al Assistant respects your privacy and only
accesses your financial data when you ask it
C Reports CLLLS questions. We use GPT-4 by OpenAl to generate
responses by sending the relevant financial data to
¥ Budget OpenAl when you ask questions. Your data is never
used by OpenAl to train the language model. Learn
B Recurring more
gl g Intended for informational purposes only
Information provided by the Assistant does not
A Investments constitute or substitute for financial advice of any
kind. You should not rely on any information
N T generated through the Assistant without first verifying
the accuracy of such information with a qualified
R . financial professional.
4 Assistant
1 Get 1 Month Free .
Confirm
O Help & Support By clicking the “Confirm” button above, you understand and confirm that your use of
Monarch Al Assistant (the “Assistant”) is subject to our current Terms of Service and
Privacy Policy, and you confirm your understanding of the above.
Jane Smith 4
|Free trial 20 days left
Chats New chat Delete
New chat
@ Dashboard i
less than a minute ago
S
£ Accounts New chat
less than a minute ago
B Transactions
oo Cash Flow
(© Reports BETA
U Budget
Assistant Al - Today at 17:32
B8 Recurring .
& Hi there! I'm your Monarch Assistant, I'm here to help you understand your finances,
® Goal provide support, and suggest strategies to improve your financial health. ..
© Goals
Let's work together to achieve your goals! @#’
~  Investments
Here are some questions you might want to ask or type anything that comes to mind
& Advice e and I'll answer your questions.
4+ Assistant
@ How much do I spend on food? ul How are my investments doing?
Ask anything about your money... m
D Help & Support
Answers from the Assistant may occasionally contain incorrect or inaccurate information. The Assistant is intended for
informational purposes only and is not intended to provide personal financial advice. Learn more
83 Jane Smith v


Goals

screenElements:
Side Navigation
Icon
Progress Indicator

screenPatterns: Dashboard Progress Charts

screenElements:
Side Navigation
Icon
Progress Indicator
Banner
Card
Grid List
Progress Indicator
Photo

screenPatterns:
Dashboard
Progress
Charts
Goal & Task

screenKeywords:
Q A = Dashboard 83 Customize
GO 24 days left GETTING STARTED SPENDING
This month vs. last month v
Congratulations Jane, you’ve set up your account This month vs. last month
M Dashboard ———_Q
$12
€ Accounts $10.00
9
1 Petdaeaeesat ° $
B Transactions $6
|- Customize-categories $3
+
olo Cash Flow °
$0
@ Budget @ Greateagost ° Day3 Day6 Day9 Day13 Day17 Day21 Day25 Day30
SPENDING LAST MONTH — SPENDING THIS MONTH
B8 Recurrin
9 A Createabudest °
Goals TRANSACTIONS )
Hide this widget All transactions v
Most recent
~  Investments
&5 Advice BUDGET Balance Adjustment . Balance Adju... +$100.00 >
December
Squarespace $ Miscellaneous o $10.00 >
Income
Patreon & Other Income B8 +$1.07 >
$0 earned $170 budget
Patreon & Other Income B8 +$4.32 >
D Help & Support Expenses
— Patreon $ Miscellaneous =] $2.99 >
i $10 spent $90 budget
o Jane Smith v
A iawr all 92 tvrarmcarctinne
|Free trial 30 days left
@ Dashboard
€ Accounts
B8 Transactions
Track the goals that matter most to you
olo Cash Flow
Use bank accounts to sync seamlessly with your goals.
@ Budget Create savings, debt and investment goals. Track your
activity using transactions from your accounts.
B8 Recurring
Goals
A Investments
9 Advice
D Help & Support
o Jane Smith 4
|>< Q A = Goals Actions v
Free trial 20 days left
$  Your balances have been updated, and can be used to reach your goals. Update now
@ Dashboard ‘
3 . ; N : NG
€ Accounts i - A
— S — : H \
B Transactions " . \ N d
I - RETIREMENT VACATION VACATION (TURKEY)
olo Cash Flow
$5.00 (5 ] $1.00 (77 $2.00 (5 ]
@ Reports BETA .} N .
U Budget
B8 Recurring
Goals
A Investments
&9 Advice
% Get 1 Month Free
D Help & Support
o Jane Smith v


Thoughts

appName: Whering

appCategory: Lifestyle

appTagline: Closet styling outfit planning

companyHqRegion: Europe

platform: android

hotspotType: Drag

hotspotType: Scroll Vertically

screenElements:
Thumbnail
Loading Indicator

screenPatterns:
Browse & Discover
Browse & Discover
Pull to Refresh

screenKeywords:
12:00 V4l
Thoughts
NG
|
i
How to give good fashion gifts
Published 29 Nov 2023
== X 4“
L B, P o T
P :—;),,,fi ’“ > < '-"’k = =
o RSN
T WO e -
R N o e
N 13_‘5—% B / »?\,,‘\_ % « %
W U g o9
BN N 7 Q{:*?}& e 2 y
How does gift giving change as we
get older
Published 27 Nov 2023
|12:00 V41
Thoughts
- ‘
,
Can outfit planning cure our winter
blues?
Published 14 Nov 2023
R e
» /o ‘a.?n»g\ ;;5*" -
o] B . '
‘}ylfl \ IS \’} et S
}; | “%’ “lér’l':‘r .t—\’ - >, k:
IO e B
] ’\&3*«" N *‘{%@ P4
\ \\'3)'))) ) 7)\;‘ \ n\‘{%\& -
OO e
\ |
Redefining retail therapy
Published 12 Nov 2023
© B 1= A (L)
|12:00 V41
Thoughts
Thoughts is our version of a blog.
What's on our mind and what we think
should be on yours.
Yo Ny
=
\d
All we want for Christmas is for
women's clothes to have pockets
Published 18 Dec 2023
‘ -2 4 ( Ny
.‘_' '*-p-‘“ 9 R~ ‘,,«j‘;"
|12:00 V41
Thoughts
L\\\g ‘l,,g
E 2
= N
. G
Thoughts is our version of a blog.
What's on our mind and what we think
should be on yours.
All we want for Christmas is for
women's clothes to have pockets
Published 18 Dec 2023
i B
Al Y 'i/ fi'}‘"’ 7
3 4 ﬂ Z


About

pageType: Marketing

pagePatterns:
Landing Page
Footer Section

pagePatterns:
About Page
Header Section

pagePatterns:
About Page
Team Section

screenElements:
Grid List
Grid List

pagePatterns:
About Page
Header Section
About Page
Team Section
Landing Page
Footer Section
About Page

pageType: Marketing Marketing Marketing Marketing

screenKeywords:
>< Monarch Features v For Couples For Advisors Download Sign in @
OUR MISSION
Help people lead richer lives by making better
financial outcomes available to everyone
At Monarch, we believe the right financial tools We're a team of startup veterans with product,
can help you build peace of mind, establish design, and engineering experience at some of the
healthy financial habits, and achieve your goals. best technology companies in the world. We're in
Our mission is to be the tool that does this for you. this together.
R X
|Coming from Mint? Import your history and get 50% OFF with MINT50 Learn more >
>< l\/lonarch Features v For Couples For Advisors Download Signin @
2% k
S gy -2
SN e
' }J g‘i‘:-% §
i -y g & e
" ‘ - ¥ ‘ame :
- Al )
Val Agostino Jon Sutherland Ozzie Osman
CO-FOUNDER, CEO CO-FOUNDER, HEAD OF DESIGN CO-FOUNDER, HEAD OF ENGINEERING
in in in
i 3 =
5 B T A .,
i B ¥ i )
o f | , Wi
V, 3
Laura Kobroff Vanessa Barreiros Sean Ellis
HEAD OF CUSTOMER SUCCESS SOFTWARE ENGINEER CUSTOMER SUCCESS MANAGER
|>< l\/lonarch Features v For Couples For Advisors Download Signin @
Features Product Company
»¢ Monarch
Net Worth What's new '~ About
# Download on the GETITON . . .
¢ App Store Google Play Budgeting Pricing Blog
Recurring Download Careers
Yy @ d f in Investments Help center Press
Reports Contact
Compare
Dashboard
Monarch vs. Mint Legal
Goals
Monarch vs. YNAB Terms of use
Transactions
Monarch vs. Simplifi Privacy policy
Collaboration
Calculators
Solutions
Financial Health Calculator
For Couples
Mortgage Calculator
For Advisors
Debt Paydown Calculator
For Financial Coaches
Retirement Calculator
For Employers
Other Resources
Monarch in Canada
|>< Monarch Features v For Couples For Advisors Download Sign in @
INVESTORS
Meet our investors
We're backed by these great firms, plus a number of prominent angel investors.
Accel MENLO “SignalFire
VENTURES
RS


Generating chart image

pageType: Application Application Application Application

screenKeywords:
Q A = Cash Flow Monthly Quarterly Yearly Filters v
< |
-$40 \ o0 e
Free trial 20 days left
-$80
Q2 Q3 Q4
@ Dashboard
October - December 2023 View  Bar Chart v
€ Accounts
B Transactions
$75 $38 $36 48.8%
INCOME EXPENSES TOTAL SAVINGS SAVINGS RATE
i Cash Flow
(© Reports BETA
Income Category Group Merchant Share v
U Budget
Generate an image of this chart
B Recurring & Interest to share with others. You have
the option to hide amounts.
Goals & Other Income Hide amounts
Transparent background @)
A Investments
&9 Advice Expenses Category Groug
$ Miscellaneous $20 (52.9%)
@ Gifts $12(31.4%)
D Help & Support
¢4 Personal $6 (15.7%)
o Jane Smith 4
|Q A = Cash Flow Monthly Quarterly Yearly Filters v
< |
-$40 \ o0 e
Free trial 20 days left
-$80
Q2 Q3 Q4
@ Dashboard
October - December 2023 View  Bar Chart v
€ Accounts
B Transactions
$75 $38 $36 48.8%
INCOME EXPENSES TOTAL SAVINGS SAVINGS RATE
i Cash Flow
(© Reports BETA
Income Category Group Merchant Share v
U Budget
Generate an image of this chart
B Recurring & Interest to share with others. You have
the option to hide amounts.
Goals & Other Income Hide amounts
Transparent background
A Investments
&9 Advice Expenses Category Groug
$ Miscellaneous $20 (52.9%)
@ Gifts $12(31.4%)
D Help & Support
¢4 Personal $6 (15.7%)
o Jane Smith 4
|Q A = Cash Flow Monthly Quarterly Yearly Filters v
< |

-$40 \—a—”
Free trial 20 days left

-$80

Q2 Q3 Q4
@ Dashboard
October - December 2023 View  BarChart v
€ Accounts
B Transactions
$75 $38 $36 48.8%
INCOME EXPENSES TOTAL SAVINGS SAVINGS RATE

i Cash Flow
(© Reports BETA

Income Category Group Merchant Share v
U Budget
B8 Recurring & Interest $46 (61.7%)
Goals & Other Income $29 (38.3%)
~  Investments
@5 Advice Expenses Category Group Merchant Share v

$ Miscellaneous $20 (52.9%)

@ Gifts $12(31.4%)
D Help & Support

¢4 Personal $6 (15.7%)
o Jane Smith v
|Q A = Cash Flow Monthly Quarterly Yearly Filters v
< |
-$40 \ o0 o
Free trial 20 days left
-$80
Q2 Q3 Q4
@ Dashboard
October - December 2023 View  Bar Chart v
€ Accounts
B Transactions
$75 $38 $36 48.8%
INCOME EXPENSES TOTAL SAVINGS SAVINGS RATE
i Cash Flow
(© Reports BETA
Income Category Group Merchant Share v
U Budget
Generate an image of this chart
B Recurring & Interest to share with others. You have
the option to hide amounts.
Goals & Other Income Hide amounts
Transparent background @)
A Investments
e
&9 Advice Expenses Category Groug
$ Miscellaneous $20 (52.9%)
@ Gifts $12(31.4%)
D Help & Support
¢4 Personal $6 (15.7%)
o Jane Smith 4


Settings

hotspotType: Tap

screenPatterns:
Settings & Preferences
Action Option

screenKeywords:
12:00 V41
< Settings
8 Edit profile
@ Personal Information
@‘. Password & Privacy
Q Notifications & reminders
@ Language
Version: 2.0.39
|R& Invite friends

FAQ

@ Settings

(¥)  ChatWith Us / Feedback
+, o )

©) Digitisation Guide

{\_5 Rate Whering

G Logout


Editing notification settings

hotspotType: Keyboard Input

pageType: Application Application Application Application Application

screenKeywords:
Q 2 = Settings
Free trial 20 days left . . . .
Account Notifications Email Mobile
@ Dashboard Profile Account out of sync
Display We'll notify you when one of your financial accounts needs to be linked again.
€ Accounts
Notifications
B Transactions . Daily top movers
Security . o
You'll receive an email with a summary of the account balance changes that happened on the
oo Cash Flow previous day.
(© Reports BETA Household
Budget exceeded
W Budget General You'll receive a notification when you exceed your budget in any category or category group.
B Recurring Members
Preferences Goal balance milestones
Goals
o You'll receive a notification as you reach major milestones of your total goal balance.
Institutions
A Investments
Categories
; Goal contribution alert
&9 Advice Verch
erchants You'll receive a notification as your contributions are added to your goals.
Rules
Tags Monthly goal balance check in
You'll receive a notification at the end of the month if your account balances and goal
O Help & Support Data balances differ.
Billing
89 Jane Smith v .
Referrals Monthly review
|Q 2 = Settings
UL IULIIGA UL IOV UM UG S0 G I G VU IO 1O s
Free trial 20 days left
Expense alert
You'll receive a notification when an expense syncs that is above the minimum amount you
@ Dashboard )
specify below.
€ Accounts Minimum Amount
B Transactions
oo Cash Flow
Deposit alert
(& Reports BETA You'll receive a notification when a deposit syncs that is above the minimum amount you
specify below.
M Budget Minimum Amount
B8 Recurring $500
Goals
New recurring merchants detected
A~ Investments
You'll receive a notification when we detect new recurring merchants.
&9 Advice
Transactions that need review
You'll receive a notification if you have any new transactions that need review.
O  Help & Support Recurring alert
You'll receive a notification 3 days before a transaction is expected.
83 Jane Smith v
|Q 2 = Settings
Free trial 20 days left . . . .
Account Notifications Email Mobile
@ Dashboard Profile Account out of sync
Display We'll notify you when one of your financial accounts needs to be linked again.
€ Accounts
Notifications
B Transactions . Daily top movers
Security . o
You'll receive an email with a summary of the account balance changes that happened on the
oo Cash Flow previous day.
(© Reports BETA Household
Budget exceeded
W Budget General You'll receive a notification when you exceed your budget in any category or category group.
B Recurring Members
Preferences Goal balance milestones
Goals
o You'll receive a notification as you reach major milestones of your total goal balance.
Institutions
A Investments
Categories
; Goal contribution alert
&9 Advice Verch
erchants You'll receive a notification as your contributions are added to your goals.
Rules
Tags Monthly goal balance check in
You'll receive a notification at the end of the month if your account balances and goal
Data .
O Help & Support balances differ.
Billing
839 Jane Smith v )
Referrals Monthly review
|Q 2 = Settings
UL IULIIGA UL IOV UM UG S0 G I G VU IO 1O s
Free trial 20 days left
Expense alert
You'll receive a notification when an expense syncs that is above the minimum amount you
@ Dashboard )
specify below.
< feseuns Minimum Amount
B Transactions
Minimum Amount updated
oo Cash Flow
(® Reports BETA Deposit alert
You'll receive a notification when a deposit syncs that is above the minimum amount you
@ Budget specify below.
Minimum Amount
B8 Recurring
Goals
A Investments .
New recurring merchants detected
) You'll receive a notification when we detect new recurring merchants.
&9 Advice
Transactions that need review
You'll receive a notification if you have any new transactions that need review.
D Help & Support
Recurring alert
You'll receive a notification 3 days before a transaction is expected.
83 Jane Smith 4
|Q 2 = Settings
UL IULIIGA UL IOV UM UG S0 G I G VU IO 1O s
Free trial 20 days left
Expense alert
You'll receive a notification when an expense syncs that is above the minimum amount you
@ Dashboard )
specify below.
€ Accounts Minimum Amount
B Transactions
oo Cash Flow
Deposit alert
(& Reports BETA You'll receive a notification when a deposit syncs that is above the minimum amount you
specify below.
M Budget Minimum Amount
B8 Recurring $500
Goals
New recurring merchants detected
A~ Investments
You'll receive a notification when we detect new recurring merchants.
&9 Advice
Transactions that need review
You'll receive a notification if you have any new transactions that need review.
O  Help & Support Recurring alert
You'll receive a notification 3 days before a transaction is expected.
83 Jane Smith v


Income report

screenElements: Card Tab

screenKeywords:
Q A = Reports Cash Flow Spending Income Sankey By category v 07/07/2023 - 12/07/2023 * Filters
Free trial 20 days left
INCOME BY CATEGORY -
Total amounts  Change over time © =
Jul 7, 2023 - Dec 7, 2023
@ Dashboard
€ Accounts
5 Transactions ® Interest ® Other Income © Transfer ® Balance Adjust...
$46.00 $28.60 $0.00 $0.00
$74.60
o Cash Flow Total ® Garbage Restaurants & B... @ Internet & Cable @ Entertainment ...
$0.00 $0.00 $0.00 $0.00
(® Reports [:137
U Budget
B8 Recurring
Transactions Edit multiple Sort v Summary
Goals
6 December 2023 $6.00 ]
/5 [VESTERE Total transactions 26
Patreon ¢4 Personal =] $6.00 >
@ Advice Largest transaction $40.50
Balance Adjustment - Balance Adjustments +$100.00 > Average transaction +$5.37
4 December 2023 $10.00 Total income +$74.60
Squarespace $ Miscellaneous o $10.00 > Total spending $67.07
D Help & Support
25 November 2023 +$8.00
Download CSV
Jane Smith v
o To Your Balance Moved & Interest 4 ¢ +$6.00 >
|Q = Reports Cash Flow Spending Income Sankey By category v 07/07/2023 - 12/07/2023 * Filters
Free trial 20 days left
INCOME BY CATEGORY
Totalamounts ~ Change over time oo el
Jul 7, 2023 - Dec 7, 2023
@ Dashboard
$60.00
€ Accounts
B Transactions $45.00
olo Cash Flow
$30.00
(® Reports [:137
U Budget $15.00
B8 Recurring I
$0.00
Jul 2023 Aug 2023 Sep 2023 Oct 2023 Nov 2023 Dec 2023
Goals
@ B Transfer @ ® CoffeeShops @ @& Otherincome @ b Personal @ L Balance Adjustments 2 Interest
~  Investments
@ Advice
Transactions Edit multiple Sort v Summary
6 December 2023 $6.00 .
Total transactions 26
Patreon ¢4 Personal =] $6.00 >
Largest transaction $40.50
D Help & Support
Balance Adjustment - Balance Adjustments +$100.00 > Average transaction +$5.37
o Jane Smith v 4 December 2023 $10.00 Total income +$74.60
|Q A = Reports Cash Flow Spending Income Sankey By category v 07/07/2023 - 12/07/2023 * Filters
Free trial 20 days left
INCOME BY CATEGORY
Total amounts  Change over time olo  eel
Jul 7, 2023 - Dec 7, 2023
@ Dashboard
$80.00
S
&£ Accounts $66.00
B Transactions $60.00
olo Cash Flow
$40.00
(® Reports [:137
U Budget $20.00
$8.60
B8 Recurring $0.00 $0.00 $0.00 _ $0.00
$0.00
Jul 2023 Aug 2023 Sep 2023 Oct 2023 Nov 2023 Dec 2023
Goals
@ B Transfer @ ® CoffeeShops @ @& Otherincome @ b Personal @ L Balance Adjustments 2 Interest
~  Investments
@ Advice
Transactions Edit multiple Sort v Summary
6 December 2023 $6.00 ]
Total transactions 26
Patreon ¢4 Personal =] $6.00 >
Largest transaction $40.50
D Help & Support
Balance Adjustment - Balance Adjustments +$100.00 > Average transaction +$5.37
o Jane Smith v 4 December 2023 $10.00 Total income +$74.60
|Q A = Reports Cash Flow Spending Income Sankey 07/07/2023 - 12/07/2023 * Filters
Free trial 20 days left
CASH FLOW
olo aall
Jul 7, 2023 - Dec 7, 2023
@ Dashboard
$70.00
€ Accounts
- .
B Transactions $0.00 I -
oo Cash Flow -$35.00
& Reports BETA -$70.00
Jul 2023 Aug 2023 Sep 2023 Oct 2023 Nov 2023 Dec 2023
U Budget
B8 Recurring
$74.60 $67.07 $7.53 10.1%
Goals TOTAL INCOME TOTAL EXPENSES TOTAL NET INCOME SAVINGS RATE
~  Investments
Transactions Edit multiple Summary
@ Advice
6 December 2023 $6.00 ]
Total transactions 26
Patreon ¢4 Personal =] $6.00 >
Largest transaction $40.50
Balance Adjustment - Balance Adjustments +$100.00 > Average transaction +$5.37
D Help & Support
4 December 2023 $10.00 Total income +$74.60
o Ve i > Squarespace $ Miscellaneous o $10.00 > Total spending $67.07


FAQ

screenPatterns:
Help & Support
Browser

screenPatterns:
Help & Support
Browser
Action Option

screenKeywords:
What the FAQ?
[
Your Q's, our A’s.
We (should) have an answer for every question -
try us!
Q How do | upload my clothes to Whering?
Popular topics
- Styling & =
p Outfits ~
‘YI Lilac Mango Blazer )
M =
(ST W
":;;- . { ‘ 3 ‘
.’ ) ' > =
s . =
S\ s P | %
|R& Invite friends

FAQ

@ Settings

(¥)  ChatWith Us / Feedback
+, o )

©) Digitisation Guide

{\_5 Rate Whering

G Logout


Careers

pagePatterns:
Careers Page
Landing Page
Footer Section
Careers Page

pageType: Marketing Marketing Marketing

screenKeywords:
>< l\/lonarch Features v For Couples For Advisors Download Signin @
COME WORK WITH US
Make an impact at Monarch
Ready to take on a role where you can make a We're a team of startup veterans with product,
lasting impact on people's financial lives? We'd design, and engineering experience at some of the
love to work with you. best technology companies in the world.
= $ %
Fully Remote Competitive Salary Healthcare
Our distributed team can work We offer compensation that Medical, dental, and vision
remotely from anywhere matches the top talent we hire insurance for all US employees
0 o 8
Flexible PTO Parental Leave First Fridays
You have the freedom to take Paid time off for both birthing Take off the first Friday of each
time off whenever you need and non-birthing parents month to relax and recharge
|>< l\/lonarch Features v For Couples For Advisors Download Signin @
Features Product Company
»¢ Monarch
Net Worth What's new '~ About
# Download on the GETITON . . .
¢ App Store Google Play Budgeting Pricing Blog
Recurring Download Careers
Yy @ d f in Investments Help center Press
Reports Contact
Compare
Dashboard
Monarch vs. Mint Legal
Goals
Monarch vs. YNAB Terms of use
Transactions
Monarch vs. Simplifi Privacy policy
Collaboration
Calculators
Solutions
Financial Health Calculator
For Couples
Mortgage Calculator
For Advisors
Debt Paydown Calculator
For Financial Coaches
Retirement Calculator
For Employers
Other Resources
Monarch in Canada
|Monarch Features v For Couples For Advisors Download Sign in

Future Opportunities Learn more

Remote ' General

Senior Product Engineer Learn more

Remote / Engineering

Technical Support Engineer Learn more

Remote / Engineering

The modern way to manage your money
Monarch is an all-in-one platform that brings together


Copying referral link

screenPatterns:
Invite & Refer Friends
Acknowledgement & Success

screenKeywords:
Q 2 = Settings
Free trial 20 days left . . . . o
Profile o Get $14.99 in credits for every subscriber you refer to Monarch, after they pay for their first month
Display * The people you invite get an extended 30-day trial
@ Dashboard » Share your unique link anywhere!
Notifications
€ Accounts .
Security
Share your referral link
B Transactions
oo Cash Flow Household n Share on Facebook a Share on LinkedIn
C Reports BETA General
o Share on Twitter @ Share via Email
Members
U Budget
Preferences
B8 Recurring Copy your referral link and share it anywhere
Institutions
Goals . ) )
Categories https://www.monarchmoney.com/referral/iswg9tluao Copy link
~  Investments Merchants
@ Advice Rules Referrals
Tags
e 0 0 $0.00
Billing
SIGNED UP SUBSCRIBED CREDITS EARNED
D Help & Support
Referrals
o Jane Smith v
|Q 2 = Settings
Free trial 20 days lef .
rec e e Account Earn rewards for sharing Monarch
@ Dashboard Profile » Get $14.99 in credits for every subscriber you refer to Monarch, after they pay for their first month
_ Display * The people you invite get an extended 30-day trial
$ Accounts » Share your unique link anywhere!
Notifications
B Transactions
Security
i Cash Flow Share your referral link
C Reports BE8 Household n Share on Facebook a Share on LinkedIn
¥ Budget General
b o Share on Twitter @ Share via Email
B Recurring Members
Preferences
Goals Copy your referral link and share it anywhere
Institutions
~  |nvestments https:// h ref i otl c link
Categories ps://www.monarchmoney.com/referral/iswg9tluao opy lin
&9 Advice
Merchants
Rules Referrals
Tags
O Help & Support Pata 0 0 $0 00
Billing
SIGNED UP SUBSCRIBED CREDITS EARNED
o Jane Smith 4
Referrals
|Q 2 = Settings
Free trial 20 days lef .
rec e e Account Earn rewards for sharing Monarch

@ Dashboard Profile » Get $14.99 in credits for every subscriber you refer to Monarch, after they pay for their first month
_ Display * The people you invite get an extended 30-day trial
$ Accounts » Share your unique link anywhere!

Notifications
B Transactions

Security

Share your referral link
oo Cash Flow are you
C Reports BE8 Household n Share on Facebook a Share on LinkedIn
¥ Budget General
b o Share on Twitter @ Share via Email

B Recurring Members

Preferences
Goals Copy your referral link and share it anywhere

Institutions
~  Investments https:/) h Jref I/i ot| Copy link

H opledtoc 0al

Categories ps://www.monarchmoney.com/referral/iswg9tluao pi ipboar opy lin
&9 Advice

Merchants

Rules Referrals

Tags
D Help & Support Data 0 0 $0 00

Billing

SIGNED UP SUBSCRIBED CREDITS EARNED

o Jane Smith 4

Referrals


Blog post

pagePatterns:
Blog Post
Newsletter Section

pagePatterns:
Blog Post
Blog Section

pagePatterns:
Blog Post
Blog Section
Blog Post
Blog Post
Newsletter Section
Blog Section

pageType: Marketing Marketing Marketing Marketing Marketing Marketing

screenKeywords:
>< Monarch Features v For Couples For Advisors Download Sign in @
Home / Blog
f
o o L3
v Mint shutting down; How to migrate
L L3
in to Monarch (with discount!)
) Author Published
Val Agostino November 9, 2023
[
infurt Subscribe to our
> € Monarch
mint. onarc financial newsletter
= CashFlow Sign up with your email to receive
; September 2023 . ... S all our latest blog posts directly in
o = = = your inbox.
u it R Enter your email...
B | = o -
wAFL. = _ .. _ 1.
|>< Monarch Features v For Couples For Advisors Download Sign in @
f infurt ; - =
Owmint. > ¢ Monarch | pra
5,412 $5.026 $2.986 385% wos nr@ P g ).
in e o e i )
& | T 3 i\ v
= M o [
] T R .
NOVEMBER 2023 OCTOBER 2023
Mint is shutting down. What Making Sense of Combined
should Mint users do now? Finances: A Guide for Couples
Thoughts from Mint'’s first pl’OdUCt The foundational steps for couples to navigate shared
manager and CEO Of Monarch. finances, emphasizing open conversations, clear
Intuit is shutting down Mint, and prompting users to migrate responsibilitiés, bu'dgeting, and strategically managing debt
their personal finance data to Credit Karma. Thoughts from for a secure financial future
Mint’s first product manager and CEO of Monarch, and why
we think Monarch is the best Mint alternative.
D EEEEERERERRESR
|>< Monarch Features v For Couples For Advisors Download Sign in @
our industry has been stuck at the “budgeting/tracking” phase for far too .
o o . Subscribe to our
long. There has been very little innovation in this space since we launched R .
' . financial newsletter
Mint 15 years ago. We started Monarch to fix that.
Sign up with your email to receive

f Il our latest bl ts directly i

We still have a tremendous amount of work to do. But we're listening to our a ou.r lj est blog posts directly In

your Inbox.

L customers and we're building rapidly. Hopefully, our responsiveness in the
in past week demonstrates our commitment to helping you on your financial Enter your email...

journey.
.
= After we roll out these additions mentioned above, we will be launching our

next version of goals and planning soon. We will also be launching a new

budgeting philosophy and functionality that we believe is more powerful

(and easier to follow) than anything to date.

As you consider what to do around the Mint transition, we hope you join us

on Monarch as we build the future of personal finance. We're passionate

and committed about helping you along your financial journey.

Val Agostino in
Co-founder & CEO at Monarch
|>< Monarch Features v For Couples For Advisors Download Sign in @
Home / Blog
o o L3
f Mint shutting down; How to migrate
L L3
v to Monarch (with discount!)
in Author Published
Val Agostino November 9, 2023
-
= bscrib
Infurt Subscribe to our
(0) > »¢ Monarch
mint. onarc financial newsletter
= CashFlow Sign up with your email to receive
; September 2023 . ... S all our latest blog posts directly in
e == k- L your inbox.
: s R ‘ Enter your email...
B | = ..
What a week!
|>< Monarch Features v For Couples For Advisors Download Sign in @
Data connectivity Subscribe to our
On a similar note, we've had some performance issues with syncing financial newsletter
financial institutions due to the load. Accounts have been slower to sync Sign up with your email to receive
f . . all our latest blog posts directly in
than normal, so if you connected your account and didn’t see your data your inbox.
4 quickly, please try again. We've added a lot more capacity here.
in Enter your email...
It should be noted that Monarch syncs data differently than Mint. When we
< built Mint, we designed it to sync data whenever you opened the app. This
& reduced our data costs, but also created a laggy experience for users
whenever they opened the app. Monarch syncs your data in the cloud
every 24 hours. Even though this is more expensive for us, it provides a
better user experience as your data is up-to-date as soon as you open the
app and you don‘t have to wait on a sync. You can also manually force a
sync inside the app if desired.
Change is hard
As the first product manager on the original Mint team, | recognize that
some of you have been using this app to manage your finances for up to 15
years (!) and that the idea of losing the history and functionality you've
come to rely on is super frustrating. Nobody wants to have to learn a new
app (let alone migrate their data), and the natural tendency is to try to find
|>< l\/lonarch Features v For Couples For Advisors Download Signin @
mil K >< M h
mint. onarcC
= CashFlow Monthly Quarterly Yearly Filters ~
2L September 2023 View  S3
9:33 wl =
» ‘ $8,412 $5,426 $2,986 35. S ey 8
o Cash Flow e
This month vs. last month
Pla Sankey Diagram Category Group Both
o Savings ‘
. = $2,986.40 (35.5%) oot
el
FEATURED $1.380  wvestments
$626,580.37
o (] o  Home ¥ $393 (-0.06%) TODAY
Mint shutting down; How to migrate
ol . o VEA 4399 7oss
to Monarch (with discount!) 9
EMB 82.86 ¥0.49%
$19
Intuit is shutting down Mint, and prompting users to migrate their personal
finance data to Credit Karma. Thoughts from Mint’s first product manager and
CEO of Monarch, and why we think Monarch is the best Mint alternative.
V' TR T TR rA'sraxY 0 N


Budget category detail

hotspotType: Hover

pageType: Application Application Application Application Application Application

screenKeywords:
Q A = ‘ Other Income Monthly Quarterly Yearly Edit category Filters v
Free trial 24 days left
$12
October 2023
@ Dashboard $9
Other Income: $9
€ Accounts $6
B8 Transactions $3
$0
olo Cash Flow oot Nov bec
U Budget
December 2023
B8 Recurring
Transactions Plan
Goals
December 2023
~  Investments
Budget $50
& Advice No transactions in this period for & Other Income
Actual $0
Remaining $50
Summary
D Help & Support
o Jane Smith v
|Q = December 2023 Budget Forecast Today « >
Free trial 24 days left
Income Budget Actual Remaining
@ Dashboard v Income $170 $0 $170 $78
S
= Accounts &1 Paychecks $100 $0 $100 Left to budget
|
B Transactions
Int
& Interest $20 $0 $20 Summary
oo Cash Flow |
& Other Income & $50 $0 $50 Income
¥ Budget |
2 Fesurng $0 earned $170 budget
Total Income $170 $0 $170
Goals Expenses
A~ Investments $0 spent $90 budget
i Expenses Budget Actual Remaining
@5 Advice Goals
v Auto & Transport 0 0 0
P $ $ 3 $0 saved $2 budget
® Show 6 unbudgeted
D Help & Support v Gifts & Donations $0 $0 $0
Show 2 unbudgeted
o Jane Smith v @ oW s Hnbudgete
|Q = December 2023 Budget Forecast Today « >
Free trial 24 days left
Income Budget Actual Remaining
@ Dashboard v Income $170 $0 $170 $1 38
S
= Accounts &1 Paychecks $100 $0 $100 Left to budget
|
B Transactions
Int
& Interest $20 $0 $20 Summary
oo Cash Flow |
& Other Income $50 $0 $50 Income
¥ Budget |
2 Fesurng $0 earned $170 budget
Total Income $170 $0 $170
Goals Expenses
A~ Investments $0 spent $30 budget
i Expenses Budget Actual Remaining
@5 Advice Goals
v Auto & Transport 0 0 0
P $ $ 3 $0 saved $2 budget
® Show 6 unbudgeted
D Help & Support v Gifts & Donations $0 $0 $0
Show 2 unbudgeted
o Jane Smith v @ oW s Hnbudgete
|Q A = ‘ Other Income Monthly Quarterly Yearly Edit category Filters v
Free trial 24 days left
$12
@ Dashboard $9
€ Accounts $6
B Transactions $3
$0
olo Cash Flow oot Nov bec
U Budget
December 2023
B8 Recurring
Transactions Plan
Goals
December 2023
~  Investments
Budget $50
& Advice No transactions in this period for & Other Income
Actual $0
Remaining $50
Summary
D Help & Support
o Jane Smith v
|Q A = @& Other Income Monthly Quarterly Yearly Edit category Filters v
Free trial 24 days left
$12
@ Dashboard $9
€ Accounts $6
B8 Transactions $3
$0
olo Cash Flow o
U Budget
October - December 2023
B8 Recurring
Transactions Summary
Goals
16 October 2023 +$5.39
~  Investments Total Transactions 3
Patreon & Other Income B8 +$1.07 > .
& Advice Average Transaction +$2.87
Patreon & Other Income =] +$4.32 > Largest Transaction +$4.32
12 October 2023 +$3.21 Total Amount +$8.60
Patreon & Other Income B8 +$3.21 >
D Help & Support
o Jane Smith v
|Q A = ‘ Other Income Monthly Quarterly Yearly Edit category Filters v
Free trial 24 days left
$12
@ Dashboard $9
€ Accounts $6
B8 Transactions $3
$0
olo Cash Flow .
U Budget
2023
B8 Recurring
Transactions Summary
Goals
16 October 2023 +$5.39
~  Investments Total Transactions 3
Patreon & Other Income B8 +$1.07 > .
&3 Advice Average Transaction +$2.87
Patreon & Other Income =] +$4.32 > Largest Transaction +$4.32
12 October 2023 +$3.21 Total Amount +$8.60
Patreon & Other Income B8 +$3.21 >
D Help & Support
o Jane Smith v


Blog

pagePatterns:
Landing Page
Footer Section
Blog Page
Blog Page
Blog Section

pageType: Marketing Marketing Marketing Marketing Marketing

screenKeywords:
>< Monarch Features v For Couples For Advisors Download Sign in
mh v T = oy e e Protect

$1,900 $1,800 $100 — + ass vo commere

1,600 $1.600 @ & o @ T‘V"’T““‘d‘e"““”"s I . N L

e “ i e
FEBRUARY 2022 SEPTEMBER 2021
Monarch vs. YNAB's Professional financial
zero based budgeting advice at your fingertips
The various ways you can set up a budget with Monarch and The next chapter: trustworthy, balanced and personalized
how it compares with zero based budgeting (ZBB). advice

2 -5 m = = - /_/—/—/ .
DECEMBER 2020 OCTOBER 2020
Now available on web and iOS Modern money management
Announcing the first personal finance platform to give step- Monarch is launching in November 2020. Here’s a preview of
by-step guidance on the road to financial transformation. what makes it different.
|>< l\/lonarch Features v For Couples For Advisors Download Signin @
Features Product Company
»¢ Monarch
Net Worth What's new '~ About
# Download on the GETITON . . .
¢ App Store Google Play Budgeting Pricing Blog
Recurring Download Careers
Yy @ d f in Investments Help center Press
Reports Contact
Compare
Dashboard
Monarch vs. Mint Legal
Goals
Monarch vs. YNAB Terms of use
Transactions
Monarch vs. Simplifi Privacy policy
Collaboration
Calculators
Solutions
Financial Health Calculator
For Couples
Mortgage Calculator
For Advisors
Debt Paydown Calculator
For Financial Coaches
Retirement Calculator
For Employers
Other Resources
Monarch in Canada
|>< Monarch Features v For Couples For Advisors Download Sign in @
Monarch Blog
We're on a mission to make better financial outcomes
available to everyone. Read our latest thoughts and insights.
O mii S L\Y h
mint. ornarcC
= Cash Flow Monthly Quarterly Yearly Filters ~
@ September 2023 View S - il > @
. ‘ $8,412 $5,426 $2,986 35. S Denboad 8
SCsh Figw STpr:iNsn:::mthvs. last month
Pla Sankey Diagram Category Group Both
. = 31,986.40(:5*::’95 oot
FEATURED S, [ ——
$626,580.37
Mint shuttina down: How to miarate
|Monarch Features v For Couples For Advisors Download Sign in
- : } i (’"1?; - &“\i J
infurt ey pr \
Omint. - Monarch g ™ O
T e ED o [ . ‘ d ) , N
i et ol 2% (T 2 a | | o
SankeyDisgram oyt (D [:"m“ »M - A { /) “ i
—— — R — =
W oo o ‘“ Py w _~ “ 'gb‘w i N
Mint is shutting down. What Managing Financial Conflicts in
should Mint users do now? a Relationship: A Practical Guide
Thoughts from Mint'’s first pl’OdUCt A guide to navigating financial conflicts in relationships,
manager and CEO Of Monarch. stressing on regular communication, transparency, shared
Intuit is shutting down Mint, and prompting users to migrate goals, and right account management.
their personal finance data to Credit Karma. Thoughts from
Mint’s first product manager and CEO of Monarch, and why
we think Monarch is the best Mint alternative.
- ¥ Ve ) B - L
Ry AR ’ 4 T PP
Gl TR S
?& ’R\'- A "' i' V= j y o gn gﬁr =
¢ - n H , ?,;,»r 3 & N /“ ?J I ‘e’ \:4
'™ ‘ g M I X Ll
|>< l\/lonarch Features v For Couples For Advisors Download Signin @
mil K >< M h
mint. onarcC
= CashFlow Monthly Quarterly Yearly Filters ~
2L September 2023 View  S3
9:33 wl =
» ‘ $8,412 $5,426 $2,986 35. S ey 8
o Cash Flow e
This month vs. last month
Pla Sankey Diagram Category Group Both
o Savings ‘
. = $2,986.40 (35.5%) oot
el
FEATURED $1.380  wvestments
$626,580.37
o (] o  Home ¥ $393 (-0.06%) TODAY
Mint shutting down; How to migrate
ol . o VEA 4399 7oss
to Monarch (with discount!) 9
EMB 82.86 ¥0.49%
$19
Intuit is shutting down Mint, and prompting users to migrate their personal
finance data to Credit Karma. Thoughts from Mint’s first product manager and
CEO of Monarch, and why we think Monarch is the best Mint alternative.
V' TR T TR rA'sraxY 0 N


Logging out

pageType: Application Application

screenKeywords:
»¢ Monarch
Sign In Stay signed in @D
& Continue with Apple
G Continue with Google
OR
Email address
Password Forgot Password?
Don't have an account? Sign up
|Q A = Dashboard %2 Customize
GO 30 days left GETTING STARTED SPENDING
This month vs. last month v
Jane, let's finish setting up your account This month vs. last month
1 DERILTE ca——
$4
€ Accounts
R —— o -
B Transactions $2
'~ Customize categories $1
olo Cash Flow
G0 - co—
ﬂ:ﬂ Budget @‘ Create a goa| Day3 Day6 Day9 Day 13 Day 17 Day 21 Day 25 Day 30
SPENDING LAST MONTH — SPENDING THIS MONTH
8 Recurring ~ Create a budget
Goals TRANSACTIONS )
Hide this widget All transactions v
Most recent
~  Investments
&5 Advice BUDGET Balance Adjustment . Balance Adju... +$100.00 >
December
View all 1 transactions
& Dark mode Income
4 What's new
$0 earned $0 budget RECURRING This month v
@ Settings 0 upcoming this month
. Expenses
> Sign out
o Jane Smith ~ $0 spent $0 budget No upcoming transactions for this time period


For Advisors

pagePatterns:
Landing Page
Hero Section

screenElements:
Banner
Top Navigation Bar
Logo
Button

pagePatterns:
Hero Section
Social Proof (Logo Cloud) Section
Solutions & Use Cases Page
Social Proof (Testimonial) Section
Solutions & Use Cases Page
Landing Page
Hero Section
Feature Section
Solutions & Use Cases Page

screenKeywords:
Coming from Mint? Import your history and get 50% OFF with MINT50 Learn more >
>< l\/lonarch Features v For Couples For Advisors Download Signiin
9489 - ?
P 0 Accounts e |
MONARCH FOR ADVISORS
‘ $503,000.00
7 $2,791 (0.56%) This month °
i - A personal finance
: ke [
tracker your clients
| .
R will actually use
v - Get joint access to Monarch'’s top-rated
o o personal finance platform. Collaborate
@ Melanie's Checking 5 . . .
£2000000 for free or cover their subscription cost
o oint Savings . L. . .
1° o with no minimums or yearly obligations.
Investments mwmoﬂo
Product Hunt
: = BUSINESS M 7
Best Fintech App THE WALL STREET JOURNAL. "T'i= TechCrunch INSIDER PAS[@MPANY
2021 Finalist
|>< l\/lonarch Features v For Couples For Advisors Download Signiin

&fi??%%k?m%) R I

$1,385.00 (24.7%)

£ g ;‘;;‘"1‘;00 (100%) $1,625.00 :0;2;9)'
2, ight Sipsimmmag
SR - s Shoeeing I s1,155.:15?;‘ﬁp1i:sg) I
"Such an insane game changer. | work very heavily with clients'
finances and this is the best thing that could have happened to my
business."
Taylor Westergard, CFP®, AFC®
|>< Monarch Features v For Couples For Advisors Download Sign in
Get clarity, confidence, and peace of mind for your finances. Track all
of your account balances, transactions, and investments in one place.
Collaborate with your partner and reach your financial goals faster.
Get started
Q Jay = Accounts < Refresh all
' - ‘ NET WORTH © o \\
€ Accounts $686,604.97 » $18,051.59 (2.7%) This month R:57 g
- Goals |

8 acti $1.1M =
ol h Fl $700K i
> $350K
T |
S R ” $30,138 ©

-$350K S —— | ——

Go: 3 " PR
g CASH Summary
& Advice $65,480.66 7 $1,223.16 (1.9%) This month
Assets &
A Melanie's Checkina &15 020 66 $25,000 ®
|>< l\/lonarch Features v For Couples For Advisors Download Signiin
HOW IT WORKS
o o L3
Collaborate more effectively with your clients
Sync your client's accounts, track a budget, forecast goals, and so much more.
You each get your own login, and a shared view of your client's finances.
(s 2 %

Sync client accounts Track investment portfolios Track their savings rate
Securely sync all of your client's bank Sync your client's holdings from Know exactly how much money your
accounts to pull in their balances and multiple brokers to fully understand client saves each month so you can

transactions. their portfolio makeup. plan for their financial goals.
B8 = &
All transactions in one place Collaboration built-in Export to CSV
See all of your client's transactions Share access to Monarch with your Export your client's transaction data
across all of their accounts in one clients so you're always on the same to CSV to bring it into your
unified list. page. spreadsheets.
r ]


Enabling multi-factor authentication

screenPatterns:
Verification
QR Code

screenElements: Dialog Badge

screenPatterns:
Upload & Download
Verification
QR Code

pageType: Application Application Application Application Application Application Application

screenKeywords:
Q 2 = Settings
Free trial 20 days left A
! Account Email & Password
@ Dashboard Profile Email
Edit email
Display janesmith1.mobbin@gmail.com veriFieD
€ Accounts
Notifications
B Transactions Password Edit J
. It passwor
Security Click the button to change your password
olo Cash Flow
(® Reports BETA Household . o
5 Multi-Factor Authentication
¥ Budget General
Multi-Factor Authentication bisasLep
) Enable MFA
B Recurring Members Protect your Monarch account with an extra security step
Preferences
Goals
Institutions
~  Investments
Categories
@ Advice
Merchants
Rules
Tags
Data
D Help & Support
Billing
89 Jane Smith v
Referrals
|Q A = Settings
Free trial 20 days left .
: Account B
Save your recovery codes
(@ Dashboard Profile Recovery codes are used to access your account in the event you
Disol cannot receive two-factor authentication codes Edit email
isplay
€ Accounts
Notifications
B8 Transactions 16kifaui x7tgrpq4d tsnmchji )
Security Edit password
olo Cash Flow
(& Reports BETA Household
download Print opy to Clipboard
¥ Budget General
B Recurring Members Treat your recovery codes with the same level of attention as you SRR
vould your password. We recommend saving them with a password
© I Preferences manager such a or
© Goals ariagsl St e ’
Institutions
A~ Investments
Categories ——
. Cancel ‘ Next
@5 Advice [ )
Merchants
Rules
% Get 1 Month Free Tags
Data
[®) Help & Support
Billing
Jane Smith v
Referrals
|Q 4 = Settings
Free trial 20 days left Account T S
Scan this QR code with your app X
@ Dashboard Profile Scan the QR code below with your two-factor authentication app.
Edit email
Display
€ Accounts
Notifications Pl oy
5 Transactions -_-E LH E. If you're unable to scan the QR code, enter the
Security .,th 5 T2 -ﬁ text code below instead. Edit password
» S |
SOehind s g
oo Cash Flow l'!.a_—_-r_._ * J.l' . Two-factor text code
" .
T S
Rl BT
) -] o
(& Reports BETA Household E ek R
U Budget General
Enter the six-digit code from the application Enable MEA
B Recurring Members
After scanning the QR code above, the app will display a six-digit code. Enter it
Preferences ;
Goals below to continue.
Institutions Six-digit code from application
~  Investments
Categories 065907
&9 Advice
Merchants
C. |
Rules ance m
i Get 1 Month Free Tags
D Help & Support g
Billing
Jane Smith 4
Referrals
|Q o = Settings
Free trial 20 days left Account T S
Scan this QR code with your app X
@ Dashboard Profile Scan the QR code below with your two-factor authentication app.
Edit email
Display
€ Accounts
Notifications Pl o= u
5 Transactions .__E ""'" -_',_ If you're unable to scan the QR code, enter the
) L) " . H
Security vt ﬂ. _-'a-.l,ll: ZFL  text code below instead. Edit password
aF yirorrer o
Lokl o n
a0 Cash Flow i .- t-*_:f&- Two-factor text code
= -
iy Hi H
5 Household ey
(& Reports BETA ouseho E Tk . TR s
U Budget General
Enter the six-digit code from the application Enable MEA
B Recurring Members
After scanning the QR code above, the app will display a six-digit code. Enter it
Preferences ;
Goals below to continue.
Institutions Six-digit code from application
~  Investments
[b Advice Merchants This field is required
Rules
Cancel
i Get 1 Month Free Tags
Dat.
D Help & Support ata
Billing
Jane Smith 4
Referrals
|Q 2 = Settings
Free trial 20 days left A
Account Email & Password
@ Dashboard Profile Email
. h bbi | Edit email
Display janesmith1.mobbin@gmail.com  veririeD
€ Accounts
Notifications
B Transactions Password Edit J
: it passwor!
Security Click the button to change your password
oo Cash Flow
(¢ Reports BETA Household . o
5 Multi-Factor Authentication
¥ Budget General
Multi-Factor Authentication enasLen
) Disable
B Recurring Members Protect your Monarch account with an extra security step
Preferences
Goals
Institutions Recovery Codes Codes
A~ Investments Recovery codes are used to access your account in the event you lose access to your device and cannot
Categories receive two-factor authentication codes.
@ Advice )
Merchants Save your recovery codes in a safe place to keep access to your account. Monarch Support cannot
restore access to accounts with two-factor authentication enabled for security reasons.
Rules
Tags
Data
D Help & Support
Billing
83 Jane Smith v
Referrals
|Q A = Settings
Free trial 20 days left A
Account R
nable multi-factor authentication
@ Dashboard Profile
Edit email
Display Use an application on your phone to get two-factor authentication
€ Accounts codes when prompted by Monarch when you log in
Notifications
B Transactions recommend using an application such as Edi ’
. - it passwor
Security These applications support secure backup of =
oo Cash Flow our authentication codes in the cloud and can be restored if you lose
ccess to your devic
(¢ Reports BETA Household
@0 Budget General ancel Set up using an app
) Enable MFA
B Recurring Members Protect your Monarch account with an extra security step
Preferences
Goals
Institutions
~  Investments
Categories
@ Advice
Merchants
Rules
 Get 1 Month Free Tags
Data
O Help & Support
Billing
b Jane Smith v
Referrals
|Q A4 = Settings
Free trial 20 days left .
: Account B
Save your recovery codes

@ Dashboard Profile Recovery codes are used to access your account in the event you

S cannot receive two-factor authentication codes Edit email

isplay

€ Accounts

Notifications
B Transactions 16kifaui x7tgrpq4 tsnmchji .

Security Edit password
olo Cash Flow
& Reports BETA Household

download Print Copy to Clipboard
[ Budget General
B Recurring Members Treat your recovery codes with the same level of attention as you SRR
vould your password. We recommend saving them with a password

® | Preferences manager such a or
® Goals anager su z o)

Institutions
" Investments

Categories

Cancel

@ Advice m

Merchants

Rules
t Get 1 Month Free Tags

Data
D Help & Support

Billing

Jane Smith v
Referrals


Switching to Sankey diagram

screenKeywords:
Q A = Cash Flow Monthly Quarterly Yearly Filters v
Free trial 20 days left
Sankey Diagram Category Group Both Share v
@ Dashboard
€ Accounts
B8 Transactions .
Savings
$36.38 (48.8%)
i Cash Flow ¥ Interest
$46.00 (61.7%)
(® Reports BETA
Income
@ Budget $74.60 (100%)
B8 Recurring $ Miscellaneous
$20.22 (52.9%)
Other
el $20.22 (27.1%)
A Investments
& Other Income _
¢ Advice $28.60 (38.3%) B Gifts
$12.00 (31.4%)
Gifts & Donations
$12.00 (16.1%)
¢4 Personal
$6.00 (15.7%)
Travel & Lifestyle
D Help & Support $6.00 (8%)
o Jane Smith 4
|Q A = Cash Flow Monthly Quarterly Yearly Filters ~
-$40 \ o0 PR 2 |
Free trial 20 days left
-$80
Q2 Q3 Q4
@ Dashboard
October - December 2023 View  Sankey Diagram v
€ Accounts
B8 T ti
ransactions $75 $38 $36 48.8%
INCOME EXPENSES TOTAL SAVINGS SAVINGS RATE
i Cash Flow
(® Reports BETA
Sankey Diagram Category Group Both Share v
U Budget
B8 Recurring
Goals
Savings
A |nvestments $36.38 (48.8%)
& Interest
46.00 (61.7%
@9 Advice $ ( )
D Help & Support
$ Miscellaneous
$20.22 (27.1%)
° Jane Smith v
|Q A = Cash Flow Monthly Quarterly Yearly Filters v
< |
-$40 \’a——’
Free trial 20 days left
-$80
Q2 Q3 Q4
@ Dashboard
October - December 2023 View  BarChart v
€ Accounts
5 T . Bar Chart
ransactions
$75 $38 $36
INCOME EXPENSES TOTAL SAVINGS ¢ Sankey Diagram
i Cash Flow
(© Reports BETA
Income Category Group Merchant Share v
U Budget
B8 Recurring & Interest $46 (61.7%)
Goals & Other Income $29 (38.3%)
~  Investments
@5 Advice Expenses Category Group Merchant Share v
$ Miscellaneous $20 (52.9%)
@ Gifts $12(31.4%)
D Help & Support
¢4 Personal $6 (15.7%)
o Jane Smith v
|Q A = Cash Flow Monthly Quarterly Yearly Filters v
< |

-$40 \—a—”
Free trial 20 days left

-$80

Q2 Q3 Q4
@ Dashboard
October - December 2023 View  BarChart v
€ Accounts
B Transactions
$75 $38 $36 48.8%
INCOME EXPENSES TOTAL SAVINGS SAVINGS RATE

i Cash Flow
(© Reports BETA

Income Category Group Merchant Share v
U Budget
B8 Recurring & Interest $46 (61.7%)
Goals & Other Income $29 (38.3%)
~  Investments
@5 Advice Expenses Category Group Merchant Share v

$ Miscellaneous $20 (52.9%)

@ Gifts $12(31.4%)
D Help & Support

¢4 Personal $6 (15.7%)
o Jane Smith v
|Q A = Cash Flow Monthly Quarterly Yearly Filters v
Free trial 20 days left
Sankey Diagram Category Group Both Share v
@ Dashboard
€ Accounts
B8 Transactions i
Savings
$36.38 (48.8%)
i Cash Flow Wntereat
$46.00 (61.7%)
(® Reports BETA
U Budget
B8 Recurring
$ Miscellaneous
Goals $20.22 (27.1%)
A Investments
& Other Income
@9 Advice $28.60 (38.3%)
@ Gifts
$12.00 (16.1%)
¢4 Personal
D Help & Support $6.00 (8%)
° Jane Smith 4


Sorting merchants

screenKeywords:
Q 2 = Settings
Free trial 20 days left
! Account Merchants
A DPedilbesd Profile These are all of the different merchants you have interacted with in your transaction history. You can edit
how a merchant displays throughout Monarch, and delete merchants you're not using.
Display
€ Accounts .
Transaction count v Search 12 merchants
Notifications
B Transactions
) 12 Merchants
Security
oo Cash Flow
Patreon Recurrine
27 Edit
D
(& Reports BETA Household 9 transactions
¥ Budget General
e To Your Balance (Studio) recurrine
B8 Recurring Members Y 2 Edit
7 transactions
Preferences
Goals
Institutions To Your Balance Moved .
A Investments 2 Edit
Categories 3 transactions
@ Advice
Merchants
., ) Squarespace
¥%  Assistant Rules 2 Edit
2 transactions
Tags
Data From Your Balance Moved
D Help & Support 2 Edit
- 2 transactions
Billing
89 Jane Smith v
Referrals
|Q 2 = Settings
Free trial 20 days left
ree tia e Account Merchants
A DPedilbesd Profile These are all of the different merchants you have interacted with in your transaction history. You can edit
how a merchant displays throughout Monarch, and delete merchants you're not using.
Display
£ Accounts . .
Alphabetical v Search 12 merchants Reset filters
Notifications
B Transactions
) 12 Merchants
Security
oo Cash Flow
B Buymeacoffee
B 2 Edit
D -
(& Reports BETA Household 1 transaction
¥ Budget General
Buymeacoffee Refunded
B8 Recurring Members 2 Edit
1 transaction
Preferences
Goals
Institutions From Your Balance Moved .
A Investments 2 Edit
Categories 2 transactions
@ Advice
Merchants
. i From Your Usd Balance Moved
¥%  Assistant Rules 2 Edit
1 transaction
Tags
Data Li Feng Yuan Mini Mart
£ Help & Support 9 2 Edit
- 1 transaction
Billing
83 Jane Smith v
Referrals
pyr = P
|Q 2 = Settings
Rules M 7 edit
2 transactions
Free trial 20 days left Tags
Data B From Your Balance Moved
B 2 Edit
Dashboard -
® - 2 transactions
Billing
€ Accounts
Referrals
Buymeacoffee Refunded )
8 Transactions 2 Edit
1 transaction
olo Cash Flow
Buymeacoffee
(& Reports BETA 2 Edit
p 5
1 transaction
U Budget
. From Your Usd Balance Moved
B Recurring 2 Edit
1 transaction
Goals
P S To Your Usd Balance Moved 2, Edit
- 1 transaction
@ Advice
%% Assistant Zeplin Inc
: 2 Edit
I
1 transaction
D Help & Support B Li Feng Yuan Mini Mart
B 2 Edit
1 transaction
89 Jane Smith v


Enabling AI assistant

screenElements: Banner Badge

screenKeywords:
Q 2 = Settings
Free trial 20 days left .
Account How transactions work
ashboard ark new transactions as Needs Review
@ Dashboard Profile Mark new t ti Needs Revi
Display All newly synced transactions will be labeled as Needs Review and will be displayed in the Needs Review filter.
€ Accounts
Notifications
B Tarcacicne Mark uncategorized transactions as Needs Review @
Security Any new uncategorized synced transactions will be marked as Needs Review and will be displayed in the Needs
Il Cash Flow Review filter.
]
D) BETA Household . . .
C  Reports Allow edits to pending transactions @
When this setting is turned off, pending transactions will be read-only, and will not be included in your
@ Budget General budget and cash flow reports. When it is turned on, pending transactions will be editable and included in
all reports.
B Recurring Members
Preferences ® Please be aware that matching pending transactions to their posted version is not
Goals always feasible due to potential changes in amounts and other details. If we cannot
o match them, any changes you make to the pending transaction will be lost, and you
Institutions will have to update the posted transaction again.
A Investments
Categories
&9 Advice
Merchants
Monarch Labs
Rules
Tags Al Assistant seTa
When turned on, Assistant will appear in the navigation for your entire household. Answers from the Assistant
o | Data may occasionally contain incorrect or inaccurate information. Learn more.
Help & Support
Billing
83 Jane Smith 4
Referrals
|Q 2 = Settings
Free trial 20 days left .
Account How transactions work
@ Dashboard Profile Mark new transactions as Needs Review
Display All newly synced transactions will be labeled as Needs Review and will be displayed in the Needs Review filter.
€ Accounts
Notifications
B Tarcacicne Mark uncategorized transactions as Needs Review @
Security Any new uncategorized synced transactions will be marked as Needs Review and will be displayed in the Needs
Review filter.
oo Cash Flow
D) BETA Household . . .
C  Reports Allow edits to pending transactions @
When this setting is turned off, pending transactions will be read-only, and will not be included in your
@ Budget General budget and cash flow reports. When it is turned on, pending transactions will be editable and included in
all reports.
B Recurring Members
Preferences ® Please be aware that matching pending transactions to their posted version is not
Goals always feasible due to potential changes in amounts and other details. If we cannot
o match them, any changes you make to the pending transaction will be lost, and you
Institutions will have to update the posted transaction again.
A Investments
Categories
&9 Advice
Merchants
Monarch Labs
. )
¥%  Assistant Rules
i a@
Tags Al Assistant seTa
When turned on, Assistant will appear in the navigation for your entire household. Answers from the Assistant
Data may occasionally contain incorrect or inaccurate information. Learn more.
D Help & Support
Billing
83 Jane Smith 4
Referrals


Marking as reviewed

screenKeywords:
Free trial 20 days left . .
® Jane Smith v Edit multiple Mark all 1 as reviewed Filter & sort Clear
25 November 2023 +$6.00
@ Dashboard Sort by
v To Your Balance Moved & Interest < ¢ +$6.00 > Date (new to old) o
€ Accounts
Search
& Transactions
olo Cash Flow
Accounts
D
C  Reports EE All accounts v
[ Budget Categories
B Recurring All categories v
Amounts
Goals
All amounts v
~  Investments
Date range
@ Advice
Start date > End date
Tags
All tags... v
D Help & Support > More options
o Jane Smith v
Summary
|Free trial 20 days left .
! ® Jane Smith v Filter & sort Clear
@ Dashboard Sort by
Date (new to old v
€ Accounts ( )
° Search
& Transactions
. -
o0 Cash Flow You reviewed everything!
. . . A t
Uncategorized and transactions flagged by custom rules will ccounts
C Reports BETA show up here. Al accounts y
¥ Budget View all transactions Categories
B Recurring All categories v
Amounts
Goals
All amounts v
~  Investments
Date range
@ Advice
Start date > End date
Tags
All tags... v
D Help & Support > More options
o Jane Smith v
Summary


Transaction detail

screenKeywords:
Q A = '3 My Cash Account Edit v Filters
$20 —
Nov 17 Nov 19 Nov 21 Nov 23 Nov 25 Nov 27 Nov 29 Dec 1 Dec 3 Dec 5 Dec7 Dec 9 Dec 11 Dec 14
Free trial 22 days left
@ Dashboard Transactions Edit multiple Summary
€ Accounts 11 December 2023 $12.00 )
Account Type Savings

8 Transactions From Your Balance Moved @ Gifts $12.00 > Last updated Now
Jdo Cash Flow 6 December 2023 $6.00 Created 7 Dec 2023
(S Reports o Patreon ¢4 Personal =] $6.00 >
¥ Budget Balance Adjustment . Balance Adjustments +$100.00 >
B8 Recurring 4 December 2023 $10.00
Goals Squarespace $ Miscellaneous O $10.00 >
49 IVESimEm S 25 November 2023 +$8.00
&5 Advice To Your Balance & Interest +$8.00 >

20 November 2023 +$38.00

To Your Balance & Interest +$38.00 >

9 November 2023 +$20.00
D Help & Support

To Your Balance & Other Income +$20.00 >
o Jane Smith v
|Category

& Interest v
Goal

Select... v
Notes

Add notes to this transaction...
Tags

Search tags... v

Hide transaction

If you hide a transaction, it will not show up in your spending

and budget calculations.

Needs review

If you mark a transaction as needing Mark as needs review

review, it will show up in your to review

lists.
Receipts & attachments

@ UPLOAD A FILE
Delete transaction
|B8 Recurring e X
+$38.00

To Your Balance
View 7 transactions

$ My Cash Account

Savings

Type

Credit v
Date

November 20, 2023
Category < Split

& Interest v
Goal

Select... v
Notes

Add notes to this transaction...


Article detail

screenElements: Breadcrumbs Card

pagePatterns:
Releases & Changelog Page
Releases & Changelog Page
Content Section

screenKeywords:
>< l\/lonarch Features v For Couples For Advisors Download Signin @

Bug Fixes
e Fixed a bug in the mobile app where the option to invert an account

f balance was missing.

v e Fixed a bug where, for a brief time, the “Refresh all” button wasn’t working

from the Institution Settings page.

in
e Fixed a bug on the Split transaction page where if you created a new

L. category, then it didn’t show as available to use until you left and came back

& to the page.
What's Next
e Automatic vehicle value tracking
o Fixed/Flex budgeting system
¢ Goals improvements
Check out our Public Roadmap to see more details about what we're working
on currently and what we're considering building next. We recently revamped
the roadmap to better reflect reality, and make it easier to see what’s recently
launched.
|>< l\/lonarch Features v For Couples For Advisors Download Signin @
Home / What's new
f
[ [
v Assign transactions to a
[
in household member for review
-7 October 26, 2023
&
Review status
Mark a transaction as needs review
; v Mark as reviewed
when someone in your household
needs to verify its details.
Needs review by
Anyone
Alice Smith
James Smith
NAwv vAll ~an aceiAn francactinne ae naade raviiew hyv a enacificr narean in tha
|>< l\/lonarch Features v For Couples For Advisors Download Signin @
Now you can assign transactions as needs review by a specific person in the
household, or anyone in the household. The assignee will receive a notification
f and see the transaction on the dashboard.
Y 4 Transactions can be marked as needs review one by one, or automatically via a
rule. For example, you can create a rule to assign all uncategorized transactions
in from a certain financial account to needs review by a specific household
& member.
(]
Other Improvements
e Group budgets can now be setup as Rollovers. The same way you can set a
category budget as a Rollover, you can set a group budget to rollover to the
next month. This can be done from the Category Settings page or directly
from the Plan page.
e On web, the Accounts page now includes options for Quarterly and Yearly.
You can view:
o Qverall net worth change quarter over quarter and year over year.
o Breakdown of how overall assets and liabilities changed quarter over
quarter and year over year
o How individual account balances changed this quarter or this year
|>< l\/lonarch Features v For Couples For Advisors Download Signin @
Review status
Mark a transaction as needs review
A v Mark as reviewed
when someone in your household
needs to verify its details.
Needs review by
Anyone
Alice Smith
James Smith
OCTOBER 26, 2023
Assign transactions to a household
member for review
Now you can assign transactions as needs review by a specific person in the
household, or anyone in the household. The assignee will receive a
notification and see the transaction on the dashboard.


Customizing categories

screenKeywords:
Q A = Dashboard 83 Customize
GO 24 days left GETTING STARTED SPENDING
This month vs. last month v
Jane, let's finish setting up your account This month vs. last month
1 DERILTE I R )
$4
€ Accounts
R —— o -
B Transactions $2
'+ Gustomize-categories $1
+
olo Cash Flow °
G0 | —
ﬂ:ﬂ Budget @‘ Create a goa| Day3 Day6 Day9 Day 13 Day 17 Day 21 Day 25 Day 30
SPENDING LAST MONTH — SPENDING THIS MONTH
8 Recurring ~ Create a budget
Goals TRANSACTIONS )
Hide this widget All transactions v
Most recent
~  Investments
&5 Advice BUDGET Balance Adjustment . Balance Adju... +$100.00 >
December
Patreon & Other Income B8 +$1.07 >
Income
Patreon & Other Income B8 +$4.32 >
$0 earned $0 budget
Patreon $ Miscellaneous =] $2.99 >
D Help & Support Expenses
Patreon $ Miscellaneous =] $2.14 >
i $0 spent $0 budget
o Jane Smith v
A iawr all 9D $tvramcarctinne
|Q A = Dashboard 83 Customize
GO 24 days left GETTING STARTED SPENDING
This month vs. last month v
Jane, let's finish setting up your account This month vs. last month
1 DERILTE ca——
$4
€ Accounts
R —— o -
B Transactions $2
'~ Customize categories $1
olo Cash Flow
$[) S —————————————
ﬂ:ﬂ Budget @‘ Create a goa| Day3 Day6 Day9 Day 13 Day 17 Day 21 Day 25 Day 30
SPENDING LAST MONTH — SPENDING THIS MONTH
8 Recurring ~ Create a budget
Goals TRANSACTIONS )
Hide this widget All transactions v
Most recent
~  Investments
&5 Advice BUDGET Balance Adjustment . Balance Adju... +$100.00 >
December
Patreon & Other Income B8 +$1.07 >
Income
Patreon & Other Income B8 +$4.32 >
$0 earned $0 budget
Patreon $ Miscellaneous =] $2.99 >
D Help & Support Expenses
Patreon $ Miscellaneous =] $2.14 >
i $0 spent $0 budget
o Jane Smith v
A iawr all 9D $tvramcarctinne
|Q = Settings
Free trial 24 days left A
Account Categories
@ Dashboard Profile ® Changes you make to your groups and categories here will be applied all throughout Monarch. You should
. customize your category structure to fit your needs.
Display
€ Accounts
Notifications Income Create group
B Transactions
Security Income Edit
olo Cash Flow
i @l Paychecks
M Budget Household v
i i@ Interest
B8 Recurring General
T Members i & Business Income
Preferences i & Otherlincome
~  Investments
Institutions Create Category
@ Advice
Categories
Expenses Create group
Merchants
Gifts & Donations Edit
Rules
Tags i A Charity
Data
D Help & Support i@ Gifts
Billing
. Create Category
o Jane Smith v
Referrals
|Q A = Settings
Free trial 24 days left .
e Account mEmsmes
ncome categories
@ Dashboard Profile >ustomize your income categories to understand historical will be applied all throughout Monarch. You should
. income and plan for future incom

Display
€ Accounts

Notifications Create group
B Transactions

Security o

Transfer to BOA k& Transfer $100.00
olo Cash Flow
Starbucks = Coffee Shops $12.98
M Budget Household
Direct Deposit &3 Paychecks $1,012.50

B8 Recurring General
Goals Members

Preferences
~ Investments ) )

Institutions Skip | Next |
@ Advice ) ]

Categories

Expenses Create group
Merchants
Gifts & Donations Edit

Rules
i Get1Month Free Tags i J Charity

Data »
D Help & Support @ Gifts

Billing

i Create Category

° Jane Smith v

Referrals
|Q Ao = Settings

i &, Business Utilities & Communication
Free trial 24 days left

i e Employee Wages & Contract Labor
@ Dashboard i il Business Travel & Meals
€ Accounts i & Business Auto Expenses
8 Transactions i [@ Business Insurance
oo Cash Flow i Office Supplies & Expenses
@ Budget i [ Office Rent
B8 Recurring i @ Postage & Shipping
Goals Create Category
A Investments

Transfers Create group

@ Advice .

Transfers Edit

Transfer

i == Credit Card Payment

i L Balance Adjustments
D Help & Support

Create Category

o Jane Smith 4
|Q A = Settings
Free trial 24 days left .
e Account s
ansfer categories
@ Dashboard Profile >ustomize your transfer categories to us hen you move will be applied all throughout Monarch. You should
. money between y ccounts or institutions
Display
€ Accounts
Notifications Create group
B Transactions
Security
olo Cash Flow
Transfer to BOA Transf 100.00
M Budget Household
=] Recurring General
Goals Members
Preferences
~  Investments ) )
Institutions Skip | Next |
@ Advice ) )
Categories
Expenses Create group
Merchants
RUl Gifts & Donations Edit
ules
 Get 1 Month Free Tags £ 3 Charity
Data »
D Help & Support i@ Gifts
Billing
° J Smith Create Category
ane Smi v
Referrals
|Q A = Dashboard 83 Customize
GO 24 days left i GETTING STARTED SPENDING
i This month vs. last month v
Jane, let's finish setting up your account This month vs. last month
1 DERILTE ca——
$4
€ Accounts
W st o -
B Transactions $2
'~ Customize categories $1
olo Cash Flow
$[) S —————————————
U:U Budget @‘ Create a goa| Day3 Day6 Day9 Day 13 Day 17 Day 21 Day 25 Day 30
SPENDING LAST MONTH — SPENDING THIS MONTH
8 Recurring ~ Create a budget
Goals TRANSACTIONS )
Hide this widget All transactions v
Most recent
~  Investments
&5 Advice BUDGET Balance Adjustment . Balance Adju... +$100.00 >
December
Patreon & Other Income B8 +$1.07 >
Income
Patreon & Other Income B8 +$4.32 >
$0 earned $0 budget
Patreon $ Miscellaneous =] $2.99 >
D Help & Support Expenses
Patreon $ Miscellaneous =] $2.14 >
i $0 spent $0 budget
o Jane Smith v
A iawr all 9D $tvramcarctinne


Logging in

screenElements:
Page Control
Logo

screenPatterns: Login Error

screenElements:
Logo
Page Control
Logo

screenPatterns:
Launch Screen
Login
Error
Welcome & Get Started
Login
Login

screenKeywords:
iy
N 7/IN 4
whering
e —
|<
Sign in
New here? Sign up
juliansmith.mobbin@gmail.com
(XXX LX) ‘ ‘
g The password is invalid or the user does
*>* not have a password.
|\
5 . 3 ]
) J 9
[ (‘ ol ij
& ;\
P e :
X PP £
S »"v"m\ g A\ |\
B ! ¥ R
o : B\
1§ ‘ ‘,_\ B ‘.\\
(@ ; L'»'V' '3 A\ \!
S,' ; ” 1 \
\7< l/r ’ 2 :"\:T-“ R x 3 F. '\“:\
R e ‘\‘\\\~ g & k\
RN BT e W
3. 5 % ,_\_ﬂf,, Vo % L. N
¢ "' > ::, ‘_\\ N"’*‘; », N
- ‘r ~ BRSO\ b\
‘/ ,_; . B yl"““: A ALy AN \
‘\\ e ! \§x Bl \\
\§ 2 e ‘ RS - 5 5 . 9 \\
o 4 e % X T
R & @ SN R s
\\ ; o e Y‘S‘"-'- X : '-'::1‘«:-»&»;;’.(, o P : 5':1 S - g
o 2N 3 T §‘&, *“"’;&, i
Sign in with email 3
N T
G (£
) -
New heg# ’g / '
";);_:i: 4 }. .
SO "y
L J
|<
Sign in
New here? Sign up
juliansmith.mobbin@gmail.com
LAY X] ‘ ‘
Forgot password? Reset it
|<
Sign in
New here? Sign up
(27
Forgot password? Reset it
|<
Sign in
New here? Sign up
juliansmith.mobbin@gmail.com
0000000 OOOOOIOS ‘ ‘
Forgot password? Reset it
|12:00 V41
Friday @ =
29 Dec 2023

Mon Tue Wed Thu Sat Sun

25 26 27 28 30 31

Upcoming

Saturday
' ()
Nl
© 9 1= A (1)


Marking merchant as recurring

pageType: Application Application Application Application Application Application Application Application Application Application

screenKeywords:
e X
Merchant name
To Your Balance (Studio)
+$8.00
Mark this merchant as recurring
This merchant will show on the Recurring section with
expected upcoming transactions. Learn more f Balance
Recurring frequency S Clions
Every 4 weeks v
Recurring type y Cash Account
vings
Expense v
Starting date
Select a date... y
This date is used to forecast future transactions at this merchant
Amount
er 25, 2023
$0.00
Recurring status < Split
Active v st v
If you set the status to Canceled, we'll show past transactions on the
recurring calendar, but won't forecast any future transactions.
v
Cancel . .
3s to this transaction...
|e X
Merchant name
To Your Balance (Studio)
+$8.00
Mark this merchant as recurring
This merchant will show on the Recurring section with
expected upcoming transactions. Learn more f Balance
Recurring frequency S Clions
Select... v
Recurring type y Cash Account
vings
Expense v
Starting date
Select a date... y
This date is used to forecast future transactions at this merchant
Amount
er 25, 2023
$0.00
Recurring status < Split
Active v st v
If you set the status to Canceled, we'll show past transactions on the
recurring calendar, but won't forecast any future transactions.
v
Cancel . .
3s to this transaction...
|e X
Merchant name
To Your Balance (Studio)
+$8.00
Mark this merchant as recurring
This merchant will show on the Recurring section with
expected upcoming transactions. Learn more f Balance
Recurring frequency S Clions
Every 4 weeks v
Recurring type y Cash Account
vings
Income v
Starting date
December 12, 2023 y
This date is used to forecast future transactions at this merchant
Amount
er 25, 2023
$10
Recurring status < Split
Active v st v
If you set the status to Canceled, we'll show past transactions on the
recurring calendar, but won't forecast any future transactions.
v
Cancel . .
3s to this transaction...
|e X
+$8.00
To Your Balance (Studio)
View 7 transactions
$ My Cash Account
Savings
Type
Credit v
Date
November 25, 2023
Category < Split
& Interest v
Goal
Select... v
Notes
Add notes to this transaction...
|Edit merchant X
;.‘.".“,;‘:', Choose photo Remove
Merchant name
To Your Balance (Studio)
Mark this merchant as recurring
This merchant will show on the Recurring section with @
expected upcoming transactions. Learn more
Recurring frequency
Select... v
Recurring type
Expense v
Starting date
Select a date...
This date is used to forecast future transactions at this merchant
Amount
$0.00
Recurring status
|e X
. +$8.00
Edit merchant X $
r Balance
] Choose photo Remove
nsactions
Merchant name
To Your Balance (Studio) y Cash Account
vings
Mark this merchant as recurring
This merchant will show on the Recurring section with
expected upcoming transactions. Learn more
v
Cancel er 25, 2023
Category < Split
& Interest ¥
Goal
Select... v
Notes
Add notes to this transaction...
|e X
Merchant name
To Your Balance (Studio)
+$8.00
Mark this merchant as recurring
This merchant will show on the Recurring section with
expected upcoming transactions. Learn more f Balance
Recurring frequency S Clions
Every 4 weeks v
Recurring type y Cash Account
vings
Income v
Starting date
December 12, 2023 y
This date is used to forecast future transactions at this merchant
Amount
er 25, 2023
$10
Recurring status < Split
Active v st v
If you set the status to Canceled, we'll show past transactions on the
recurring calendar, but won't forecast any future transactions.
v
Cancel . .
3s to this transaction...
|e X
Merchant name
To Your Balance (Studio)
+$8.00
Mark this merchant as recurring
This merchant will show on the Recurring section with
expected upcoming transactions. Learn more f Balance
Recurring frequency S Clions
Every 4 weeks v
Recurring type y Cash Account
vings
Income v
Starting date
Select a date... y
This date is used to forecast future transactions at this merchant
Amount
er 25, 2023
$0.00
Recurring status < Split
Active v st v
If you set the status to Canceled, we'll show past transactions on the
recurring calendar, but won't forecast any future transactions.
v
Cancel . .
3s to this transaction...
|e X
Merchant name
To Your Balance (Studio)
+$8.00
Mark this merchant as recurring
This merchant will show on the Recurring section with
expected upcoming transactions. Learn more f Balance
Recurring frequency - crEiens
h A n
o il y Cash Account
vings
Every 2 weeks
Every 4 weeks
Twice a month (1st & 15th) N
Twice a month (15th & last day)
Every month er 25,2023
Every 2 months
Recurring status < Split
Active v st v
If you set the status to Canceled, we'll show past transactions on the
recurring calendar, but won't forecast any future transactions.
v
Cancel . .
3s to this transaction...
|e X
Merchant name
To Your Balance (Studio)
+$8.00
Mark this merchant as recurring
This merchant will show on the Recurring section with
expected upcoming transactions. Learn more f Balance
Recurring frequency S Clions
Every 4 weeks v
Recurring type y Cash Account
vings
Income v
Starting date
December 12, 2023 y
This date is used to forecast future transactions at this merchant
Amount
er 25, 2023
$0.00
Recurring status < Split
Active v st v
If you set the status to Canceled, we'll show past transactions on the
recurring calendar, but won't forecast any future transactions.
v
Cancel . .
3s to this transaction...


Terms of use

screenKeywords:
>< Monarch Features v For Couples For Advisors Download Sign in @
Terms of Use
Effective June 12, 2023
PLEASE NOTE THAT YOUR USE OF AND ACCESS TO OUR SERVICES (DEFINED
BELOW) ARE SUBJECT TO THE FOLLOWING TERMS; IF YOU DO NOT AGREE TO ALL
OF THE FOLLOWING, YOU MAY NOT USE OR ACCESS THE SERVICES IN ANY
MANNER.
Welcome to Monarch. Please read on to learn the rules and restrictions that govern
your use of our website(s), products, services and applications (the "Services"). If
you have any questions, comments, or concerns regarding these terms or the
Services, please contact us at support@monarchmoney.com. You can also reach
us by phone at +1 (206) 537-0692, or by mail at 440 N Barranca Ave #3955, Covina,
CA 91723.
These Terms of Use (the "Terms") are a binding contract between you and Monarch
Money, Inc., ("MM," "we" and "us"). You must agree to and accept all of the Terms, or
you don't have the right to use the Services. Your using the Services in any way
means that vou aaree to all of these Terms. and these Terms will remain in effect
|>< l\/lonarch Features v For Couples For Advisors Download Signin @
Features Product Company
»¢ Monarch
Net Worth What's new '~ About
# Download on the GETITON . . .
¢ App Store Google Play Budgeting Pricing Blog
Recurring Download Careers
Yy @ d f in Investments Help center Press
Reports Contact
Compare
Dashboard
Monarch vs. Mint Legal
Goals
Monarch vs. YNAB Terms of use
Transactions
Monarch vs. Simplifi Privacy policy
Collaboration
Calculators
Solutions
Financial Health Calculator
For Couples
Mortgage Calculator
For Advisors
Debt Paydown Calculator
For Financial Coaches
Retirement Calculator
For Employers
Other Resources
Monarch in Canada
|>< Monarch Features v For Couples For Advisors Download Sign in @
Any arbitration under these Terms will take place on an individual basis: class
arbitrations and class actions are not permitted. YOU UNDERSTAND AND AGREE
THAT BY ENTERING INTO THESE TERMS, YOU AND MM ARE EACH WAIVING THE
RIGHT TO TRIAL BY JURY OR TO PARTICIPATE IN A CLASS ACTION.
Miscellaneous. You will be responsible for paying, withholding, filing, and reporting
all taxes, duties, and other governmental assessments associated with your activity
in connection with the Services, provided that MM may, in its sole discretion, do
any of the foregoing on your behalf or for itself as it sees fit. The failure of either you
or us to exercise, in any way, any right herein shall not be deemed a waiver of any
further rights hereunder. If any provision of these Terms is found to be
unenforceable or invalid, that provision will be limited or eliminated, to the
minimum extent necessary, so that these Terms shall otherwise remain in full force
and effect and enforceable. You and MM agree that these Terms are the complete
and exclusive statement of the mutual understanding between you and MM, and
that it supersedes and cancels all previous written and oral agreements,
communications and other understandings relating to the subject matter of these
Terms. You hereby acknowledge and agree that you are not an employee, agent,
partner, or joint venture of MM, and you do not have any authority of any kind to
bind MM in any respect whatsoever. Except as expressly set forth in the section
above regarding the Apple Application, you and MM agree there are no third party
beneficiaries intended under these Terms.


Filtering by dates

screenPatterns: Error Charts

screenKeywords:
Q A = Reports Cash Flow Spending Income Sankey 12/01/2023 > 12/15/2023 * Filters
Free trial 20 days left
CASH FLOW
olo aall
Dec 1, 2023 - Dec 15, 2023
@ Dashboard
$12.00
€ Accounts
$6.00 I
B Transactions $0.00
(_
olo Cash Flow -$6.00
& Reports BETA -$12.00
2 Dec 3 Dec 4 Dec 5 Dec 6 Dec 7 Dec 8 Dec 9 Dec 10 Dec 11 Dec 12 Dec 13 Dec 14 Dec 15 Dec
U Budget
B8 Recurring
$0.00 $28.00 -$28.00 0%
Goals TOTAL INCOME TOTAL EXPENSES TOTAL NET INCOME SAVINGS RATE
~  Investments
Transactions Edit multiple Summary
@ Advice
11 December 2023 $12.00 ]
Total transactions 4
From Your Balance Moved @ Gifts $12.00 >
Largest transaction $12.00
6 December 2023 $6.00 .
Average transaction +$18.00
D Help & Support |
Patreon Persona B8 6.00 >
& $ Total spending $28.00
o B ST M Balance Adjustment . Balance Adjustments +$100.00 >
|Q A4
Free trial 20 days left
@ Dashboard
£ Accounts
B Transactions
olo Cash Flow
& Reports [:137 @
[ Budget Oops! Something went wrong.
An unexpected error occurred, sorry about that. We've been notified and will get started on a fix.
B8 Recurring
Goals Refresh the page
~  Investments
@ Advice
D Help & Support
o Jane Smith v
|Q A = Reports Cash Flow Spending Income Sankey 07/07/2023 - 12/07/2023 * Filters
Free trial 20 days left
CASH FLOW
olo aall
Jul 7, 2023 - Dec 7, 2023
@ Dashboard
$70.00
€ Accounts
- .
B Transactions $0.00 I -
oo Cash Flow -$35.00
& Reports BETA -$70.00
Jul 2023 Aug 2023 Sep 2023 Oct 2023 Nov 2023 Dec 2023
U Budget
B8 Recurring
$74.60 $67.07 $7.53 10.1%
Goals TOTAL INCOME TOTAL EXPENSES TOTAL NET INCOME SAVINGS RATE
~  Investments
Transactions Edit multiple Summary
@ Advice
6 December 2023 $6.00 ]
Total transactions 26
Patreon ¢4 Personal =] $6.00 >
Largest transaction $40.50
Balance Adjustment - Balance Adjustments +$100.00 > Average transaction +$5.37
D Help & Support
4 December 2023 $10.00 Total income +$74.60
o Ve i > Squarespace $ Miscellaneous o $10.00 > Total spending $67.07


Joining a household

screenPatterns:
Signup
Timer & Clock

screenKeywords:
Q A = Dashboard 83 Customize
TUu WU PV UG
View all 30 transactions
Free trial 20 days left PR RETIREMENT
B 35
. .
A Dashboard . rECuRmING This month v
-> $0.00 (0%) This month 0 upcoming this month
€ Accounts
, VACATION (TURKEY)
) $2 ) . . .
B Transactions No upcoming transactions for this time period
.
I Cash Flow -> $0.00 (0%) This month Add new recurring transactions to see them here
0
(& Reports BETA View all 3 goals
M Budget INVESTMENTS
$1,063.19 v $2.40 (-0.2%) Today
B8 Recurring
TOP MOVERS TODAY
Goals
AAPL Apple Inc. 197.57 N -0.27%
A Investments
& Advice VTI Vanguard Total Stock Market ETF 235.24 N -0.17%
4% Assistant
ADVICE
Prioritized by you
Help & S t
D Help & Suppor o Buy a home ° >
o Jon v
|»¢ Monarch
Join Household
Jane Smith has invited you to join their household on
Monarch. Create your account to continue
@& Continue with Apple
G Continue with Google
OR
Email
jsmith.mobbin@gmail.com
Name
Password
Minimum 8 characters
At least one number
At least one symbol
Create my account
|Q A = Dashboard 82 Customize
Free trial 20 days left e e
This month vs. last month v
December Session Timeout X vs. last month
A Dashboard
Income
You've been inactive for more than 20 minutes. To protect your $28.00
<
$ Accounts account, you will be automatically signed out soon.
$0 earned
B Transactions 0 00
[ ]
Expenses °
o Cash Flow S
$28 spent
@ Reports BETA Sign Out Jay6 Day9 Day 13 Day 17 Day 21 Day 25 Day 30
SPENDING LAST MONTH — SPENDING THIS MONTH
U Budget
NET WORTH
. $1,389.61 7 $1,323.61 This month
B Recurring ! TRANSACTIONS .
All transactions v
Most recent
Goals $1.4K
49 eSS $1.1K Balance Adjustment L Balance Adju... ®  +$180.00 >
& Advice $700 From Your Balance Moved @ Gifts $12.00 >
4 ] $350
¢-¢
GERLSEE S Patreon ¢4 Personal =] $6.00 >
$0
N D
o ec Balance Adjustment L Balance Adju... +$100.00 >
O Help & Support
Squarespace $ Miscellaneous O $10.00 >
GOALS
© non v Your top priorities
Viawrs all 20 +ramecarctinne
|»¢ Monarch
Join Household
Jane Smith has invited you to join their household on
Monarch. Create your account to continue
@& Continue with Apple
G Continue with Google
OR
Email
jsmith.mobbin@gmail.com
Name
Jon
Password
v/ Minimum 8 characters
v/ At least one number
v/ At least one symbol
Create my account
By clicking the button above, you agree to our Terms of Use and
Privacy Policy.
|Q A = Dashboard 82 Customize
Free trial 20 days left BUDGET SPENDING
This month vs. last month v
December This month vs. last month
A Dashboard
Income $28 $28.00
€ Accounts
$21
$0 earned $170 budget
B Transactions $14
Expenses $7
o Cash Flow aEE——
$0
@ Reports BETA $28 spent $90 budget Day3 Day6 Day9 Day 13 Day 17 Day 21 Day 25 Day 30
SPENDING LAST MONTH — SPENDING THIS MONTH
U Budget
NET WORTH
. $1,389.61 7 $1,323.61 This month
B Recurring ! TRANSACTIONS )
All transactions v
Most recent
Goals $1.4K
48 [AvESEEmS $1.1K Balance Adjustment 2L Balance Adju... ®  +$180.00 >
& Advice $700 From Your Balance Moved W Gifts $12.00 >
+ ] $350
ps
S RIS Patreon ¢% Personal 8 $6.00 >
$0
N D
o e Balance Adjustment . Balance Adju... +$100.00 >
D Help & Support
Squarespace $ Miscellaneous o $10.00 >
GOALS
0 Jon Y Your top priorities
A iawr all 20 +ramecarctinne
|»¢ Monarch
Sign In Stay signed in @D
You have been automatically logged out
due to inactivity.
@& Continue with Apple
G Continue with Google
OR
Email address
Password Forgot Password?
Don't have an account? Sign up


Using mortgage calculator

pagePatterns:
CTA Section
Misc
Landing Page
Footer Section

pageType: Marketing Marketing Marketing Marketing Marketing Marketing Marketing

screenKeywords:
Coming from Mint? Import your history and get 50% OFF with MINT50 Learn more
Monarch Features v For Couples For Advisors Download Sign in
Gain total control of your money we
August 2021 &)
Track all of your accounts in one place, collaborate with
your partner, and create a long term plan to achieve \__/\_/
your goals. Get personalized advice along the way. l
- g it
E Income
w2 Paychecks $5,000 (100%)
TABLE OF CONTENTS How to calculate a mortgage payment
How to calculate a mortgage The mortgage calculator above uses a standard mathematical formula to calculate
payment your monthly mortgage payments. For those interested in the math, here's the
exact formula and a description of the variables involved:
Deciding how much house you
can afford
M=P[r(1+r)*n/((1+r)n)-1)]
Other homeowner costs to
consider
How to lower your monthly e P =The principal loan amount. This is how much money you will actually
mortgage payments borrow from your lender to buy the house. Think of this as the home price
|Coming from Mint? Import your history and get 50% OFF with MINT50 Learn more >
>< l\/lonarch Features v For Couples For Advisors Download Signin @
M o rtg ag e Use this mortgage calculator to estimate your monthly mortgage
payment. Enter the price of the home, your down payment, and a few
Ca Icu Iato r details about your new home and loan terms to estimate your
monthly payment breakdown.
f
v Mortgage Calculator & Download
in
Home price
< $200,000 MONTHLY PAYMENT BREAKDOWN
= ©® Principal & Interest $859
Down payment
wnpay ©® Property Taxes $175
$40,000 y © Home Insurance $75
® HOA Fees $0
Interest rate
5 %
$1,109
Property taxes Monthly Payment RECOMMENDED ANNUAL INCOME
1.05 % $44,357 or more
Mortgage type
gage typ This is the annual income you need to make
30-year fixed v before taxes to maintain a healthy debt-to-
income ratio of 30%, assuming you have no
other debt payments.
> Advanced
|Coming from Mint? Import your history and get 50% OFF with MINT50 Learn more >
>< l\/lonarch Features v For Couples For Advisors Download Signin @
< ALL CALCULATORS
M o rtg ag e Use this mortgage calculator to estimate your monthly mortgage
payment. Enter the price of the home, your down payment, and a few
f Ca Icu Iato r details about your new home and loan terms to estimate your
monthly payment breakdown.
L 4
in
Mortgage Calculator & Download
)
Home price
&
$200,000 MONTHLY PAYMENT BREAKDOWN
©® Principal & Interest $859
Down payment
wnpay ©® Property Taxes $175
$40,000 y © Home Insurance $75
® HOA Fees $0
Interest rate
5 %
$1,109
Property taxes Monthly Payment RECOMMENDED ANNUAL INCOME
1.05 % $44,357 or more
Mortgage type
gage typ This is the annual income you need to make
30-year fixed v before taxes to maintain a healthy debt-to-
income ratio of 30%, assuming you have no
other debt payments.
> Advanced
|Coming from Mint? Import your history and get 50% OFF with MINT50 Learn more >
>< l\/lonarch Features v For Couples For Advisors Download Signin @
Mortgage Calculator & Download
Home price
f
$300,000 MONTHLY PAYMENT BREAKDOWN
y ©® Principal & Interest $1,657
Down payment
. pay ©® Property Taxes $263
in -
$60,000 © Home Insurance $75
- © HOA Fees $0
Interest rate
& .
3 %
$1,995
Property taxes Monthly Payment RECOMMENDED ANNUAL INCOME
1.05 % $79,796 or more
Mortgage type - .
This is the annual income you need to make
15-year fixed v before taxes to maintain a healthy debt-to-
income ratio of 30%, assuming you have no
other debt payments.
v Advanced
Annual home insurance
$900
Monthly HOA fees
|Coming from Mint? Import your history and get 50% OFF with MINT50 Learn more >
>< l\/lonarch Features v For Couples For Advisors Download Signin @
Mortgage Calculator & Download
Home price
f
$200,000 MONTHLY PAYMENT BREAKDOWN
L 4 ® Principal & Interest $859
Down payment
: pay ©® Property Taxes $175
mn —
$40,000 © Home Insurance $75
o © HOA Fees $0
Interest rate
& 5 %
1109
Property taxes Monthly Payment RECOMMENDED ANNUAL INCOME
1.0 % $44,357 or more
Mortgage type . .
This is the annual income you need to make
30-year fixed v before taxes to maintain a healthy debt-to-
income ratio of 30%, assuming you have no
other debt payments.
v Advanced
Annual home insurance
$900
Monthly HOA fees
|>< l\/lonarch Features v For Couples For Advisors Download Signin @
Features Product Company
»¢ Monarch
Net Worth What's new '~ About
# Download on the GETITON . . .
¢ App Store Google Play Budgeting Pricing Blog
Recurring Download Careers
Yy @ d f in Investments Help center Press
Reports Contact
Compare
Dashboard
Monarch vs. Mint Legal
Goals
Monarch vs. YNAB Terms of use
Transactions
Monarch vs. Simplifi Privacy policy
Collaboration
Calculators
Solutions
Financial Health Calculator
For Couples
Mortgage Calculator
For Advisors
Debt Paydown Calculator
For Financial Coaches
Retirement Calculator
For Employers
Other Resources
Monarch in Canada
|>< l\/lonarch Features v For Couples For Advisors Download Signin @
TABLE OF CONTENTS property tax costs.
e Choose alonger loan term. If you increase the number of years you're
How to calculate a mortgage
payment paying off the mortgage, the monthly payment will be smaller. You will
f end up paying more in interest long-term, but for many families that is
Deciding how much house you worth it for the lower monthly payment.
L 4 can afford
¢ Pay a larger down payment. The more you pay up front with your down
in O —— payment, the smaller the loan principal will be. If your down payment is
é consider 20% or more of the home cost, you'll also be able to avoid the additional
PMI costs mentioned above.
] How to lower your monthly
mortgage payments ¢ Secure a lower interest rate. Your interest rate impacts your monthly
payment, and how much you'll pay in interest over the lifetime of the
. loan. You should shop around with different lenders to secure the best
Gain total control of your ) )
money with Monarch interest rate you can find.
Join thousands of families using
Monarch to achieve financial
freedom.
As you can see, costs can add up quickly when buying a home, so getting a clear
picture of your finances and cash flow is a crucial first step to setting yourself up for
success. Monarch is helping thousands of households navigate their financial life
and achieve peace of mind.


Profile

screenElements: Avatar Tab

screenElements: Avatar Tab Thumbnail

screenPatterns:
My Account & Profile
Browse & Discover

screenKeywords:
12:00 V410
A NER,
2 . n“w
i
Julian S
@juliansmith
103 9 1
ltems Outfits Lookbooks
a B 1 - |
All Tops Bottoms Footwear Full body .
O =
,1@;\ 3 P y
|12:00 V4l
e HE 5
i

Julian S
@juliansmith
103 9 1
Iltems Outfits Lookbooks
Archived (0) v
O =
| |
| |
|I . ’
L k
© | = A (|
|12:00 V4l
PR :
i CUET
8y .m*
i
Julian S
@juliansmith
103 9 1
Iltems Outfits Lookbooks
v
A
A
»
Basic
|12:00 V41
Thoughts
Thoughts is our version of a blog.
What's on our mind and what we think
should be on yours.
Yo Ny
=
\d
All we want for Christmas is for
women's clothes to have pockets
Published 18 Dec 2023
‘ -2 4 ( Ny
.‘_' '*-p-‘“ 9 R~ ‘,,«j‘;"


Personal information

screenPatterns:
Edit
Settings & Preferences

screenKeywords:
12:00 41l
< Personal Information
juliansmith.mobbin@gmail.col
Feb 18, 1995
United States($)
Edit preferences
Womenswear
(9 Delete account
|12:00 V41
< Settings
8 Edit profile
@ Personal Information
@‘. Password & Privacy
Q Notifications & reminders
@ Language
Version: 2.0.39


Deleting a chat

screenKeywords:
Free trial 20 days left
Chats New chat Delete
New chat
@ Dashboard i
less than a minute ago
€ Accounts
B Transactions
oo Cash Flow
(® Reports BETA
U Budget
Assistant Al - Today at 17:32
B8 Recurring .
& Hi there! I'm your Monarch Assistant, I'm here to help you understand your finances,
® Goal provide support, and suggest strategies to improve your financial health. ..
© Goals
Let's work together to achieve your goals! @#’
~  Investments
Here are some questions you might want to ask or type anything that comes to mind
& Advice e and I'll answer your questions.
4+ Assistant
@ How much do I spend on food? ul How are my investments doing?
Ask anything about your money... m
D Help & Support
Answers from the Assistant may occasionally contain incorrect or inaccurate information. The Assistant is intended for
informational purposes only and is not intended to provide personal financial advice. Learn more
83 Jane Smith v
|o o [
Free trial 20 days left )
Chats Delete
Delete chat X
New chat
@ Dashboard .
less than a minute ago
Deleting this chat will remove it from your inbox and history on
S
&€ Accounts New chat your account.
less than a minute ago
B Transactions
Cancel Delete
oo Cash Flow
(® Reports BETA
U Budget
Assistant Al - Today at 17:32
B8 Recurring .
Y Hi there! I'm your Monarch Assistant, I'm here to help you understand your finances,
@ Goal provide support, and suggest strategies to improve your financial health. ..
© Goals
Let's work together to achieve your goals! @#
~  Investments
Here are some questions you might want to ask or type anything that comes to mind
& Advice e and I'll answer your questions.
4+ Assistant
@ How much do I spend on food? ul How are my investments doing?
Ask anything about your money... m
O Help & Support
Answers from the Assistant may occasionally contain incorrect or inaccurate information. The Assistant is intended for
informational purposes only and is not intended to provide personal financial advice. Learn more
54 Jane Smith v
|Free trial 20 days left
Chats New chat Delete
New chat
@ Dashboard i
less than a minute ago
S
£ Accounts New chat
less than a minute ago
B Transactions
oo Cash Flow
(© Reports BETA
U Budget
Assistant Al - Today at 17:32
B8 Recurring .
& Hi there! I'm your Monarch Assistant, I'm here to help you understand your finances,
® Goal provide support, and suggest strategies to improve your financial health. ..
© Goals
Let's work together to achieve your goals! @#’
~  Investments
Here are some questions you might want to ask or type anything that comes to mind
& Advice e and I'll answer your questions.
4+ Assistant
@ How much do I spend on food? ul How are my investments doing?
Ask anything about your money... m
D Help & Support
Answers from the Assistant may occasionally contain incorrect or inaccurate information. The Assistant is intended for
informational purposes only and is not intended to provide personal financial advice. Learn more
83 Jane Smith v


Switching to dark mode

screenPatterns:
Dark Mode
Dark Mode

screenKeywords:
>< Q A = Dashboard 82 Customize
AC i 30 days left GETTING STARTED SPENDING
° This month vs. last month v
Jane, let's finish setting up your account This month vs. last month
B DERILTE oo @
$4
€ Accounts
Bi Addensceount ’ $3
B Transactions $2
'+ Customize categories $1
ola  Cash Flow
) —— e
U:U Budget “ Create a goa| Day3 Day6 Day9 DEVA K] Day 17 Day 21 Day 25 Day 30
=—— SPENDING LAST MONTH — SPENDING THIS MONTH
B Recurring M Create a budget
Goals TRANSACTIONS .
Hide this widget All transactions v
Most recent
~  Investments
&5 Advice T Balance Adjustment {1 Balance Adju... +$100.00 >
December
View all 1 transactions
Income
& Get1Month Free $0 earned $0 budget RECURRING This month v
0 upcoming this month
D  Help & Support Expenses
. Jane Smith o $0 spent $0 budget No upcoming transactions for this time period
|>¢ Q A = Dashboard 2 Customize
$0 spent $0 budget No upcoming transactions for this time period
Free trial 30 days left ' '
. Add new recurring transactions to see them here
NET WORTH
M Dashboard $100.00 7 $100.00 This month
€ Accounts INVESTMENTS
$100
$0.00 - $0.00 Today
B Transactions
$75
TOP MOVERS TODAY
olo Cash Flow
$50
W Budget $25 No investment holdings with known securities
B Recurring o Please sync another investment account to see top movers
Dec
Goals
A Investments G ADVICE
Your top priorities Prioritized by you
@9 Advice
Start your first goal Get personalized advice by answering a few questions
Put your savings to work and start saving up for something Answers to these questions will allow us to personalize
great. financial advice for your household.
% Get 1 Month Free
Start a goal Get started
D Help & Support
. Jane Smith 4
|Q A = Dashboard %2 Customize
GO 30 days left GETTING STARTED SPENDING
This month vs. last month v
Jane, let's finish setting up your account This month vs. last month
1 DERILTE ca——
$4
€ Accounts
R —— o -
B Transactions $2
'~ Customize categories $1
olo Cash Flow
G0 - co—
ﬂ:ﬂ Budget @‘ Create a goa| Day3 Day6 Day9 Day 13 Day 17 Day 21 Day 25 Day 30
SPENDING LAST MONTH — SPENDING THIS MONTH
8 Recurring ~ Create a budget
Goals TRANSACTIONS )
Hide this widget All transactions v
Most recent
~  Investments
&5 Advice BUDGET Balance Adjustment . Balance Adju... +$100.00 >
December
View all 1 transactions
& Dark mode Income
4 What's new
$0 earned $0 budget RECURRING This month v
@ Settings 0 upcoming this month
. Expenses
> Sign out
o Jane Smith ~ $0 spent $0 budget No upcoming transactions for this time period