Editor’s Choice: The Best All-in-One App for Budgeting, Saving, and Earning

Why All-in-One Apps Are Winning in 2025

Managing money can get overwhelming when you’re switching between apps for saving, budgeting, investing, and tracking spending. That’s why all-in-one apps are trending—they keep everything in one place, making it easier to stay on top of your finances without burnout.

The best all-in-one app isn’t just packed with features—it’s also easy to use, flexible enough for different goals, and built to grow with you. In 2025, one app stands out as the most balanced and complete option: Monarch Money.

What Is Monarch Money?

Monarch Money is a personal finance app that gives you full visibility over your financial life—from daily spending to long-term goals. It connects to all your bank accounts, credit cards, loans, and investments, so you can see everything in one dashboard.

What makes Monarch special is how it blends budgeting, savings planning, and income tracking with visual tools and smart automation. It doesn’t just show you where your money is—it helps you plan where it should go.

Key Features That Make It Stand Out

Monarch Money goes beyond simple expense tracking with features like:

• Customizable budgets by category and time period

• Savings goals with progress bars and timeline predictions

• Investment tracking pulled from linked accounts

• Cash flow forecasting based on your habits

• Collaborative tools so partners or family members can manage money together

And yes, it includes a daily summary of spending, upcoming bills, and account balances—all in a clean, ad-free layout that doesn’t feel overwhelming.

Budgeting That Works for Real Life

Unlike rigid apps, Monarch lets you adjust your budget throughout the month. Overspent on groceries? Shift funds from your “fun” category. Under budget on gas? Move that money to savings. It’s flexible, smart, and updates in real time.

There’s also a “budget vs. actual” view that shows how you’re tracking against your goals, so you can make changes before the month ends.

Built-In Goal Planning

Monarch helps you break big dreams into realistic steps. You can set goals like:

• Save $1,000 for an emergency fund

• Pay off a credit card

• Build a travel fund

Each goal includes a projected completion date based on your budget and savings habits. It keeps you motivated by showing daily or weekly progress, which helps build momentum over time.

Earning Insights, Too

While Monarch doesn’t directly pay you like a cashback app, it helps you identify income trends, side hustle performance, and opportunities to increase savings through smarter planning.

It even includes reminders to revisit subscriptions, review spending categories, and reallocate unused funds—turning passive awareness into active financial wins.

Collaboration Tools for Shared Finances

One standout feature is the ability to invite a partner, roommate, or spouse to co-manage the account. You can share full access or limit it to certain areas (like just viewing the budget).

That makes Monarch a rare tool that works for both individuals and couples—without needing two separate apps or spreadsheets.

Who Monarch Is Best For

This app is ideal for:

• People juggling multiple income sources or side hustles

• Anyone who wants one place for budgeting, savings, and investment tracking

• Couples or families looking to manage money together

• Users who prefer visual tools over text-heavy spreadsheets

It’s not free—there’s a monthly or annual fee—but users often say the cost pays for itself by helping them save more, spend smarter, and stay organized.

Final Thoughts

If you’re tired of switching between five different apps to manage your money, Monarch Money is the clear winner for an all-in-one experience. It’s smart, flexible, and designed to actually help—not just track—your finances. Whether you’re just getting started or looking to level up your money game, Monarch brings everything together in one sleek, powerful app.

Sources:

• Monarch Money

• Forbes

• Money Crashers

• Clark