Monarch Blog
We're on a mission to make better financial outcomes available to everyone. Read our latest thoughts and insights.
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Debt Finally Has an End Date
Every time they got ahead, something else happened. She decided she was done pretending everything was okay.
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November 2, 2026
Savings Found for You, and more
Your assistant now spots ways to save before you ask. Plus, the Monarch MCP is back, exclude filters are here, and more.
October 31, 2026
Joint Bank Accounts for Couples: What to Know Before You Combine Finances
Combining finances isn’t about losing independence; it’s about building a shared life with clarity and confidence, whichever setup you choose. This guide shows you how real couples make it work, so you can pick the approach that strengthens your relationship instead of straining it.
October 31, 2026
Financial Planning for Couples: How to Manage Shared Finances in 6 Steps
Money doesn’t have to be a source of stress – it can be a tool you and your partner use to build the life you want. This guide walks you through a simple 6-step plan to get aligned on goals, create a budget that works for both of you, and make steady progress as a team
October 30, 2026
How to Save for a House in 2026: A 5-Step Plan (With the Math)
Saving for a house can feel overwhelming, but with the right plan, it’s absolutely achievable. This step-by-step guide shows you how to calculate your savings goal, budget effectively, reduce debt, grow your income, and track your progress along the way. With smart strategies and the right tools, you can turn homeownership from a distant goal into a real plan.
October 30, 2026
How to Create a Holiday Budget in 6 Steps (With a 2026 Example)
Holiday spending doesn’t have to derail your finances or follow you into the New Year. This guide shows you how to create a holiday budget you can actually stick to, so you can spend confidently, avoid debt, and stay in control as costs rise in 2026. With a clear plan and real-time tracking, you’ll enjoy the season knowing your money is working for you, not against you.
October 30, 2026
6 Financial Resolutions to Set for 2027
Make 2027 the year your financial goals actually stick. This guide breaks down the most impactful money resolutions, like budgeting, saving, paying off debt, and building long-term security, and shows you how to turn them into achievable actions. Start strong, stay consistent, and take control of your finances with practical tips that help you make real progress all year long.
October 30, 2026
ETF vs. Mutual Fund vs. Index Fund: Which is Right for You?
An ETF and a mutual fund can hold the same investments. They differ mainly in how they’re traded and taxed, while an “index fund” is a strategy that comes as either one. Choose an ETF in a taxable account for tax efficiency, and the cheapest option inside an IRA or 401(k).
October 30, 2026
Emergency Fund: How Much You Need in 2026 (and How to Build It)
Life is unpredictable, but your finances don’t have to be. This guide explains what an emergency fund is, how much you should save, where to keep it, and how to build one step by step without overwhelming your budget. Start creating a financial safety net that protects you from debt, stress, and unexpected expenses.
October 30, 2026
Debt Snowball vs. Avalanche: Which Pays Off Debt Faster (With the Math)
The snowball method gives you quick wins. The avalanche method saves the most on interest. Here’s the math on both, so you can pick the one you’ll stick with.
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October 30, 2026
How to Make a Budget From Scratch and Keep It on Track
Stop wondering where your money went. Follow this 9-step plan to build a budget that fits your life, set spending limits, and stay on track, then use Monarch to automate tracking, categories, alerts, and progress toward your goals.
October 30, 2026
Baby Budget Guide: How Much Does a Baby Really Cost in the First Year?
The first year of having a baby costs about $16,000–$29,000, depending mostly on child care, with expenses ranging from medical bills to daily essentials. This guide breaks down real costs, monthly budgets, and practical strategies to help you financially prepare for your growing family.
October 30, 2026
Zero-Based Budgeting: Give Every Dollar a Job and Take Control of Your Money
Zero-based budgeting is a method where every dollar of income is assigned a purpose, so your income minus expenses equals zero. This guide explains how it works, its benefits and drawbacks, and how to create a zero-based budget step by step.