Personal subscriptions · Money apps

How to cancel Monarch Money

Web: a household admin opens Billing Settings, Manage subscription, Cancel Subscription; access continues for the time left. App Store or Google Play subscribers cancel with Apple or Google. Gotcha: Monarch refunds unused time on request (not App Store purchases), but a refund ends access immediately.

By Stackcut · Checked against official help pages on 2026-09-29, then re-checked independently · JSON · Open data, CC BY 4.0

The short answer

  • Where: On the web, go to the Billing Settings page.
  • When it ends: You can still use Monarch for the time remaining on your subscription.
  • Billed by someone else? Cancel with them instead: Apple or Google Play.
  • Want to keep it for less? Pay yearly and more. Options

Before you cancel

What happens to your data

30 days after a subscription ends, institution connections in the account are disconnected; to erase the account, use Settings, Security, Delete Monarch account.

What you lose

  • Premium access to Monarch
  • Bank and card connections, 30 days after the subscription ends

Cancel, by who bills you

Pick the route for whoever charges you: the name on your card statement or receipt tells you.

Billed by Monarch Money

Online, self-serve Subscriptions billed directly by Monarch (not through Apple or Google). Who can cancel: The household admin, signed in to Monarch on the web (household members can't cancel and must ask the admin).

  1. On the web, go to the Billing Settings pageYou should see: Manage subscription
  2. Click Manage subscriptionYou should see: Cancel Subscription
  3. Click Cancel Subscription
Access ends
You can still use Monarch for the time remaining on your subscription
Refunds
Money-back guarantee: on request Monarch refunds the remaining time on the subscription, which cancels it and ends Premium access immediately
Source: help.monarch.com help.monarch.com help.monarch.com

Billed by Apple (App Store)

In the billing platform's settings Monarch subscriptions bought through the Apple App Store. Who can cancel: The Apple Account that pays for the subscription (on a family plan, ask the family manager to cancel). Everything Apple bills, in one place.

  1. Open the Settings app and tap your nameYou should see: Subscriptions
  2. Tap Subscriptions and select Monarch from the listYou should see: Cancel Subscription
  3. Tap Cancel Subscription
Confirm it worked
In Subscriptions there is no Cancel button, or an expiration message in red text
Access ends
You can still use Monarch for the time remaining on your subscription
Refunds
Only Apple can refund App Store purchases; Monarch's money-back guarantee doesn't cover them
Open the page
Source: help.monarch.com help.monarch.com support.apple.com

Billed by Google Play

In the billing platform's settings Monarch subscriptions bought through Google Play. Who can cancel: The Google Account that pays for the subscription (on a family plan, ask the family manager to cancel). Everything Google Play bills, in one place.

  1. Open the Google Play Store app and tap your profile picture at the top rightYou should see: Payments & subscriptions
  2. Tap Payments & subscriptions, then Subscriptions, and select MonarchYou should see: Cancel subscription
  3. Tap Cancel subscription and follow Google Play's prompts
Access ends
You can still use Monarch for the time you've already paid for
Open the page
Source: help.monarch.com support.google.com

Questions people ask

Can I get a refund if I cancel Monarch Money?

Billed by Monarch Money: Money-back guarantee: on request Monarch refunds the remaining time on the subscription, which cancels it and ends Premium access immediately. Billed by Apple (App Store): Only Apple can refund App Store purchases; Monarch's money-back guarantee doesn't cover them.

Source: help.monarch.com help.monarch.com

If I cancel Monarch Money, when does my access end?

Billed by Monarch Money: You can still use Monarch for the time remaining on your subscription. Billed by Google Play: You can still use Monarch for the time you've already paid for.

Source: help.monarch.com help.monarch.com support.google.com

How do I cancel Monarch Money if I pay through Apple or Google Play?

Billed by Apple (App Store): Open the Settings app and tap your name. Tap Subscriptions and select Monarch from the list. Tap Cancel Subscription. Billed by Google Play: Open the Google Play Store app and tap your profile picture at the top right. Tap Payments & subscriptions, then Subscriptions, and select Monarch. Tap Cancel subscription and follow Google Play's prompts.

Source: support.apple.com help.monarch.com support.google.com

What happens to my data when I cancel Monarch Money?

30 days after a subscription ends, institution connections in the account are disconnected; to erase the account, use Settings, Security, Delete Monarch account.

Source: help.monarch.com

Keep it for less

Before cancelling, check whether one of these does the job. Offers change and differ by account.

  • Pay yearly Billed by Monarch? The Annual option ($99.99 a year) costs less than Monthly ($14.99 a month); switch under Manage subscription on the Billing page help.monarch.com
  • Cheaper plan Plus members billed by Monarch can switch to Core under Manage subscription; Plus ends and Core is charged from the next renewal date help.monarch.com

For AI agents

  • The person signs in and handles any two-factor code; an agent should never ask for a password.
  • The Billing Settings cancel flow is web only and doesn't apply to Apple- or Google-billed subscriptions
  • Monarch staff can't see App Store subscriptions, so contact Apple for App Store cancellations or refunds
  • Cancelling doesn't delete the account; deleting is a separate step under Settings, Security
  • No cancel option on the Billing page? You're probably a household member, not the admin: ask the admin, or remove yourself under Settings, Security, Delete Monarch account
  • Monarch missing from your Apple or Google Play subscriptions? You may be on a family plan: the family manager has to cancel

Get this plan as data: get_exit_plan on the Stackcut MCP (stackcut.io/mcp), or /exits/monarch_money.json. After using a guide, send structured report_guide_feedback for matching or changed steps, missing billing routes or human handoffs; keep unknown language and market omitted. Confirm with the person before the final click, and report the outcome with report_action_outcome, using the exact packet_revision and route_id returned by the plan.

Or give your agent the stackcut-leave skill (a zip): it exports first, walks the steps, stops when the page doesn't match, and leaves the final click to the person.

Delete your account (separate from cancelling)

Cancelling stops the payments; deleting removes the account and its data. Delete-account page (rated easy).

Link from JustDeleteMe (MIT).

Sources

  1. Canceling Your Subscription (Monarch Help Center) Go to the Billing Settings page (web only) (where the web flow starts)
  2. Canceling Your Subscription (Monarch Help Center) Click on "Manage subscription" (the Manage subscription step)
  3. Canceling Your Subscription (Monarch Help Center) Click on "Cancel Subscription" (the final step)
  4. Canceling Your Subscription (Monarch Help Center) After you cancel, you will still be able to access Monarch for the time remaining on your subscription. (when access ends)
  5. Canceling Your Subscription (Monarch Help Center) Monarch staff cannot access Apple App Store subscription details, so if you subscribed through the App Store, you'll need to contact Apple directly for cancellations or refunds. (App Store subscriptions go through Apple)
  6. Canceling Your Subscription (Monarch Help Center) Select Monarch from the list of subscriptions shown (the Apple steps)
  7. Canceling Your Subscription (Monarch Help Center) Open the Google Play Store app (the Google Play route)
  8. Canceling Your Subscription (Monarch Help Center) you can do that from Settings → Security → Delete Monarch account and follow the confirmation steps. (deleting the account)
  9. Updating Your Subscription (Monarch Help Center) It does not apply to subscriptions billed through Apple or Google. (the web flow is for direct billing)
  10. Monarch's Money-back Guarantee (Monarch Help Center) If at any point after purchase you decide that Monarch just isn't for you, we'll issue a refund for the remaining time on your subscription (the refund)
  11. Monarch's Money-back Guarantee (Monarch Help Center) When the refund is issued, your subscription will be canceled and your Premium access to Monarch will end immediately. (a refund ends access at once)
  12. Monarch's Money-back Guarantee (Monarch Help Center) Subscriptions made via Apple App Store are not eligible, as these are managed by Apple directly and can only be refunded by Apple. (App Store purchases are excluded)
  13. Monarch's Money-back Guarantee (Monarch Help Center) 30 days after a subscription ends, institution connections within a Monarch account will be disconnected. (what happens to connections)
  14. Cancel a subscription from Apple In Settings, tap your name. Tap Subscriptions. Tap the subscription. Tap Cancel Subscription. (the Apple steps)
  15. Cancel a subscription from Apple If there is no Cancel button or you see an expiration message in red text, the subscription is already canceled. (how to confirm on Apple)
  16. Cancel, pause, or change a subscription on Google Play On your computer, go to subscriptions in Google Play. For the subscription you want to cancel, click Manage. Click Cancel subscription. (the Google Play steps)
  17. Cancel, pause, or change a subscription on Google Play When you cancel a subscription, you’ll still be able to use your subscription for the time you’ve already paid. (when access ends on Google Play)
  18. Canceling Your Subscription (Monarch Help Center) Only the admin can cancel the subscription, so you'd need to reach out to them directly. (only the household admin can cancel)
  19. Canceling Your Subscription (Monarch Help Center) it may be because you are part of a family plan. You'll need to ask your family manager to cancel any subscriptions if this is the case. (on an Apple or Google Play family plan, the family manager cancels)
  20. Updating Your Subscription (Monarch Help Center) Select Annual ($99.99 / year) (the annual price)
  21. Updating Your Subscription (Monarch Help Center) Select Monthly ($14.99 / month) (the monthly price)
  22. Updating Your Subscription (Monarch Help Center) Your Plus plan will be canceled, and on your next subscription renewal date you will be charged for a Core plan. (switching from Plus to Core applies at the next renewal)

Not confirmed yet

  • Plus plan prices aren't stated on the help pages; the Monthly and Annual prices come from Monarch's Updating Your Subscription article, not the pricing page
  • How Monarch confirms a cancellation, and any offers or survey in the flow, are not documented
  • Data export before cancelling was not found in the help center sections we could read

Independent re-check, 2026-09-29

A second reviewer re-read the official pages and corrected what was wrong or missing. The JSON lists what changed.

Checked against official help pages, 2026-09-29. Cancel flows change: if this one did, tell us at support@stackcut.io. Stackcut Exits is open data (CC BY 4.0).