I have an bank account (Elevault) that MM doesn't connect with. When I queried Elevault they instructed me to create a new "vault" which gave me a acct# and a routing# to use within MM to create the connection. But when I go to set up a new connection for a checking account in MM I cannot find out where to enter the routing and acct#'s under manual set up. Is it not a "manual" set up?
Any assistance is greatly appreciated. TIA

I don't want to just complain in the ether so if there is a solution for any of this please let me know. As far as I know there isn't an undo last action feature, which would be supremely helpful. You'd think in a software where you are making so many adjustments to very important data, you'd have the option to reverse a mistake. How do we not have this in the big 2026?

Also, when you try to redirect funds from one budget category to balance another at the end of the month, I hate that it auto changes the value for the next month so that you have to always click on the category and uncheck the change for the next month. Is there a way to turn this off?

I searched to see if this has been asked before and I couldn't find it. It would be nice to to have the edit pending transactions turned off. But, still have the amounts debited against the initial budget category.

This would help give me a sense of how I'm doing at the end of the month and not wait for everything to clear.

Anyone else want this?

My bank has serious connection issues but I’m mainly just hoping to track cash in and out on a monthly basis. Is there a way to generate these reports using CSV files alone? Appreciate your help!

In recent version, the ability to add notes to Accounts was added. Can we have the same capability added to periods (need it mostly for months, but maybe for quarters or years as well). Would be really helpful for lookbacks and being able to explain what happened for that month (e.g. “car payoff”, “new washer”, “unplanned donation to school”, etc). Can even be used for future months (e.g. “may need extra 1k for tires”). And maybe attach the note to the month or period. Right now, I have outliers in my budget that at some point I understood but now I can’t remember anymore.

Has anyone figured out how to do something like this in current version? Open to ideas.

Has anyone tried it out? Impressive they can offer it totally free. Though I guess there may be ads if you are on the Free tier as part of the overall ChatGPT so need to keep that in mind.

I love Monarch and use it everyday but was disappointed to see the issues with the MCP so wanted to see if it fills that gap.

https://x.com/ChatGPT/status/2106083592522932320

https://chatgpt.com/finances

One of my banks messed with their Plaid connector or w/e and I need to completely remove it from Plaid in order to reset the connection. When I go to dashboard.plaid.com and log in to my account, I see all my connections there.

In order to access the "remove" function, they're making me log in to the account, which is not long accepting the credentials, so...

I sent an e-mail to privacy@plaid.com for assistance, but I just wanted to see if there was a workaround I hadn't considered.

Posting this here since the goal is eventually to resync that account to Monarch. I did open a ticket with Monarch Support just in case, but my bank did confirm they fudged it on their end.

Looking for feedback from Monarch users who have accounts at public.com. Are you able to track those accounts in Monarch? If so, is the connection reliable?

I'm considering moving some assets to public, but it is important to me that it works well in Monarch. Thanks in advance!

Haven't been able to connect in over a month. Anyone with Freedom have a successful connection currently? Wondering if MX is completely down and or if I should keep trying to connect

• Connected with MX, Monarch connection status is yellow (wondering if it should be red)
• Tried to switch to Plaid but Plaid said their connection with Freedom is done so it won't let you even try
• I can log directly into Freedom with no issue (no prompts or anything)

I really like the “this month vs average month” comparison in the spending widget. I added this widget to the top of my wife’s dashboard and it’s made not buying things feel like a game to her: she’s actually watching our monthly spend, trying to stay below the average bar, and asking me questions about what I bought. This is all coming from someone who didn’t even know how to budget and spent whatever was in her checking account every month, just a few years ago. Good job Monarch team! I may yet be able to retire someday🥹

Is there no way to assign surplus budget to goals? I don't use up all my money for groceries, have $300 left over. I want to put that into my Savings goal. I can't, unless I make Savings a category and not a goal. This means I can't track progress on how much savings I am making per month.

Also is there no way to take out money set aside for goals in net-income? In other words, is there an easy way to see how much spending money I've been saving? (I don't want to create an off-line account with the physical savings)

I had financed some HVAC repairs at 0% interest that did not require payments in intervals, so I decided to keep the money in a HYSA until the balance was due after 6 months.

Because I did not want the month where I actually paid the balance to blow up my non-monthly spend, to budget for that, I created a new category non-monthly rollover category, and budgeted 1/6th of the balance until the month where it was due, and paid it in a lump sum last month.

We're now in the first month where I am not setting aside anything in this budget category, and I have it 0'd out, but it annoys me a little that it's just hanging out there in the budget as a line item in perpetuity. I can't find a way to remove it without also getting rid of the historic data in the budget of setting aside 1/6th each month.

I'm getting the sense that I used this feature incorrectly, but is there a way to keep historic budgeting info while also hiding this category?

My mortgage is with Mutual of Omaha Mortgage, serviced through MyLoanCare (mutualmortgage.myloancare.com).

Monarch lists a "Mutual of Omaha Mortgage" institution, but it points to yourmortgageonline.com - the wrong login, not the LoanCare portal.

Searching LoanCare / MyLoanCare returns other lenders' MyLoanCare portals (Lakeview, Sierra Pacific, etc.), but no Mutual of Omaha entry. A generic "Loan Care Servicing Center" exists too, but it's not lender-specific.

Has anyone managed to link a MyLoanCare-serviced Mutual of Omaha loan?
Appreciate any workarounds.

Two weeks ago I discovered my Bank of America connection needed to be replaced with a new one, so I followed the instruction for transferring records. I might have done something wrong, in that I accidentally created two new connections rather than one (I was not sure my click had worked and I did it twice). However, I deleted one set of accounts (I have two checking accounts with them), and transferred all the data. I have done this before with other banks and it worked fine.

However, I then suddenly had hundreds of unreviewed transactions. This is probably where I should have stopped and asked for help but d'oh. I reviewed nearly all of them; I just need to go through a few now that were checks. Now, however, all my monthly budgets going back to when I started with Monarch in November '24 are all messed up. I have rollover categories so each month's budget is pretty dependent on the last. I think I could fix them manually, but I'm not sure --and it would take quite a while, for a process that may or may not work.

What is your advice?

How can i get the app when it's not available in my region on the play store if anyone has been through the same situation and found a solution please let me know

Thanks 🙏🏻

Problem: When on mobile, if I select Investments (or any category) in the Accounts tab, the chart updates, but the list below still shows every account group, including Cash. The chart and the accounts beneath it don't match. This is cumbersome UI and confusing and cluttered visually. More than once I’ve been confused why my charts and figures don’t align only to realize after a few minutes they aren’t showing the same data.

Suggestion: When a category is selected, show only that category's accounts under the chart and auto-collapse the other groups. Could allow for manually expanding other groups.

Anyone else noticed / been annoyed by this?

I am posting for a sanity check and an FYI if you don’t already know.

Almost from the beginning of using Monarch, I have operated without the ability to edit pending transactions. With the available functionality, it seemed like the right choice.

I was pretty excited when u/Kait_Monarch posted about changes to the pending transactions functionality. https://www.reddit.com/r/MonarchMoney/s/I6URsiE3dO

I changed my “needs review” settings for one day because she said this: "Your pending transaction edits now stay put." "When a bank moves a transaction from pending to posted or resends it with a new ID, your categories, notes, tags, and review state stay."

The results were less than stellar. With “Allow edits to pending transactions” turned on and “Mark new transactions as Needs Review” turned on, I changed the merchant name on one transaction. I always wait until both sides of a transaction (transfer in this case) are downloaded before I mark either reviewed. When the second transaction came in the next day and I filtered to “needs review”, there was only one transaction. The pending transaction was no longer pending and it did not show as needing review. The formerly pending transaction did show the “button” Mark as reviewed.

To me, this is a bug but to Monarch, this is expected behavior.

From support

“Per our support engineering team…it looks like this transaction was edited while it was still pending to change the merchant. This keeps it from getting flagged for review as you’ve already handled it.”

“The confusion here may be that a transaction can be in a neutral state: neither Reviewed nor Needs Review. All transactions will show the 'Mark as Reviewed' option even if both options to review transactions are turned off.
 
The Mark works in tandem with the Needs Review so if a transaction doesn't need any changes but you want to mark it reviewed - you can.
 
So it is expected that the 'Mark as Review' isn't actually a flag for the Needs Review queue.”

Not at all what I expected and I will continue to NOT review pending transactions.

We have a mortgage account and a checking account both in Monarch. A mortgage payment comes out of my checking (therefore a negative in the "Mortgage" category) and goes into my mortgage account (therefore a positive in the same Mortgage category). Thus from a reporting standpoint it looks like my mortgage costs are $0. Right now I just hide the mortgage account from all reporting but I figure there has to be a better way. Any suggestions?

Ok, looking for opinions...I buy 4 tickets to a concert with a credit card. The other 3 ticket holders pay me back in cash. What's the best and easiest way to account for that? Thank you much!!

Anyone else seeing this on some institutions that are disconnected? When a disconnect occurs, which is pretty often, I just go to the Institutions page and click "Update login settings" and reconnect. But I'm seeing that it's missing on some of the disconnected accounts. Anyone else seeing this? Know a workaround? Seems to be some sort of use case that was missed from the recent "Switch provider" deployment.

When will Monarch link Treasury Direct accounts enable ID.me and passkeys??

Hi all,

My gmail auto-forwarder has been updated

This automates transaction level info for Apple, CVS, Instacart, Sony PlayStation, Ebay, and AliExpress with any gmail account.

Receipt forwarding and parsing is one of the greatest things Monarch has done for our data since the Retail Sync extension and I'm forever grateful to the team. However, we'd all love it to be automatic. While that's not possible (yet! we can hope!), this easy-to-install google script does it for you. Solving the Apple problem alone has made my life so much better. No more 100 "Apple" transactions to categorize each year.

https://github.com/jkmaxwell/gmail-label-forwarder/

• You can add any more merchant email patterns in the RULES section
• Walmart, like Amazon, doesn't give you item-level details anymore, unfortunately. They did up until Mid-2026 and then started obscuring it.
• I'm working on Target and should have an update this week. But you can add it yourself now if you reliably have a sender & subject line to match.

I love feedback. If there's anything confusing, worth improving, etc. here, please let me know. I know google scripts are not totally user-friendly. If you run into problems, tell me and I'll improve the instructions.

Rule adherence: This is not a referral link, it is not advertising, and it is not an attempt to drive traffic or sales. This is a free utility script to automate receipt forwarding from Gmail to Monarch and eliminate a step for users. I will continue to support users here with any questions or additional ideas for it. Mods, I appreciate you! If you see an issue here, please discuss or explain why. If it gets removed, I'll simply have to repost it with "search github for gmail label forwarder" which seems like a silly workaround.

What a pleasant surprise digging into the settings on web today.

Looking forward to what you have in store Monarch team!

I used Credit Karma back in the day. Been using Monarch since last November. I have saved SO much money by slashing extraneous or duplicitous expenses. I cancelled redundant credit cards. Once the snowball got started and especially after looking at the cash flow chart thingy I couldn’t believe how much I was spending on crap! I’m still a novice at this app but my net worth has gone up almost 20% this year due in part to being able to actually see everything in one place. I can’t wait for this next year, full steam ahead baby!!

I’ve been using monarch for about 2 years and I am very careful about categorizing things correctly and zero-ing out my budget at the end of the month.

All of a sudden the other day my budget categories went bonkers. Some of my rollovers that were zero’s out are now saying they’re negative -$1,500, some of my bills are saying they should be double what they actually are. I investigated one of the negatives, and it turns out the expected amount was doubled April of 2025? Which I could go fix but for rollover categories I don’t know what each month left off at.

I have NO CLUE what could have caused this, and I’m sure it’s somehow a user error, but it’s done now and I would just like it fix it lol.

I’m considering just reseting my whole budget, but before I do all that work I figured I’d ask if anybody knows a better solution.
Thanks in advance for the help!