{
 "id": "monarch_money",
 "name": "Monarch Money",
 "category": "finance_apps",
 "website": "https://www.monarch.com",
 "domains": [
  "monarch.com",
  "monarchmoney.com"
 ],
 "summary": "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.",
 "routes": [
  {
   "channel": "direct_web",
   "applies_to": "Subscriptions billed directly by Monarch (not through Apple or Google)",
   "who": "The household admin, signed in to Monarch on the web (household members can't cancel and must ask the admin)",
   "method": "self_serve",
   "start_url": null,
   "steps": [
    {
     "do": "On the web, go to the Billing Settings page",
     "expect": "Manage subscription"
    },
    {
     "do": "Click Manage subscription",
     "expect": "Cancel Subscription"
    },
    {
     "do": "Click Cancel Subscription",
     "expect": null
    }
   ],
   "confirm_by": null,
   "effective": "You can still use Monarch for the time remaining on your subscription",
   "notice": null,
   "refund": "Money-back guarantee: on request Monarch refunds the remaining time on the subscription, which cancels it and ends Premium access immediately",
   "fees": null,
   "source_ids": [
    "s1",
    "s2",
    "s3",
    "s4",
    "s9",
    "s10",
    "s11",
    "s18"
   ]
  },
  {
   "channel": "apple_app_store",
   "applies_to": "Monarch subscriptions bought through the Apple App Store",
   "who": "The Apple Account that pays for the subscription (on a family plan, ask the family manager to cancel)",
   "method": "platform_settings",
   "start_url": "https://account.apple.com/account/manage/section/subscriptions",
   "steps": [
    {
     "do": "Open the Settings app and tap your name",
     "expect": "Subscriptions"
    },
    {
     "do": "Tap Subscriptions and select Monarch from the list",
     "expect": "Cancel Subscription"
    },
    {
     "do": "Tap Cancel Subscription",
     "expect": null
    }
   ],
   "confirm_by": "In Subscriptions there is no Cancel button, or an expiration message in red text",
   "effective": "You can still use Monarch for the time remaining on your subscription",
   "notice": null,
   "refund": "Only Apple can refund App Store purchases; Monarch's money-back guarantee doesn't cover them",
   "fees": null,
   "source_ids": [
    "s4",
    "s5",
    "s6",
    "s12",
    "s14",
    "s15",
    "s19"
   ]
  },
  {
   "channel": "google_play",
   "applies_to": "Monarch subscriptions bought through Google Play",
   "who": "The Google Account that pays for the subscription (on a family plan, ask the family manager to cancel)",
   "method": "platform_settings",
   "start_url": "https://play.google.com/store/account/subscriptions",
   "steps": [
    {
     "do": "Open the Google Play Store app and tap your profile picture at the top right",
     "expect": "Payments & subscriptions"
    },
    {
     "do": "Tap Payments & subscriptions, then Subscriptions, and select Monarch",
     "expect": "Cancel subscription"
    },
    {
     "do": "Tap Cancel subscription and follow Google Play's prompts",
     "expect": null
    }
   ],
   "confirm_by": null,
   "effective": "You can still use Monarch for the time you've already paid for",
   "notice": null,
   "refund": null,
   "fees": null,
   "source_ids": [
    "s7",
    "s16",
    "s17",
    "s19"
   ]
  }
 ],
 "pay_less": [
  {
   "type": "annual_billing",
   "what": "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",
   "evidence": "documented",
   "source_ids": [
    "s9",
    "s20",
    "s21"
   ]
  },
  {
   "type": "downgrade",
   "what": "Plus members billed by Monarch can switch to Core under Manage subscription; Plus ends and Core is charged from the next renewal date",
   "evidence": "documented",
   "source_ids": [
    "s9",
    "s22"
   ]
  }
 ],
 "export": [],
 "after_cancel": {
  "access_until": "The end of the time remaining on the subscription (immediately if you take a money-back refund)",
  "data_kept": "30 days after a subscription ends, institution connections in the account are disconnected; to erase the account, use Settings, Security, Delete Monarch account",
  "you_lose": [
   "Premium access to Monarch",
   "Bank and card connections, 30 days after the subscription ends"
  ]
 },
 "agent_notes": {
  "sign_in_needed": true,
  "phone_or_chat_only": false,
  "retention_step": null,
  "tips": [
   "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"
  ]
 },
 "sources": [
  {
   "id": "s1",
   "url": "https://help.monarch.com/hc/en-us/articles/22342836013204-Canceling-Your-Subscription",
   "title": "Canceling Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "Go to the Billing Settings page (web only)",
   "supports": "where the web flow starts"
  },
  {
   "id": "s2",
   "url": "https://help.monarch.com/hc/en-us/articles/22342836013204-Canceling-Your-Subscription",
   "title": "Canceling Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "Click on \"Manage subscription\"",
   "supports": "the Manage subscription step"
  },
  {
   "id": "s3",
   "url": "https://help.monarch.com/hc/en-us/articles/22342836013204-Canceling-Your-Subscription",
   "title": "Canceling Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "Click on \"Cancel Subscription\"",
   "supports": "the final step"
  },
  {
   "id": "s4",
   "url": "https://help.monarch.com/hc/en-us/articles/22342836013204-Canceling-Your-Subscription",
   "title": "Canceling Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "After you cancel, you will still be able to access Monarch for the time remaining on your subscription.",
   "supports": "when access ends"
  },
  {
   "id": "s5",
   "url": "https://help.monarch.com/hc/en-us/articles/22342836013204-Canceling-Your-Subscription",
   "title": "Canceling Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "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.",
   "supports": "App Store subscriptions go through Apple"
  },
  {
   "id": "s6",
   "url": "https://help.monarch.com/hc/en-us/articles/22342836013204-Canceling-Your-Subscription",
   "title": "Canceling Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "Select Monarch from the list of subscriptions shown",
   "supports": "the Apple steps"
  },
  {
   "id": "s7",
   "url": "https://help.monarch.com/hc/en-us/articles/22342836013204-Canceling-Your-Subscription",
   "title": "Canceling Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "Open the Google Play Store app",
   "supports": "the Google Play route"
  },
  {
   "id": "s8",
   "url": "https://help.monarch.com/hc/en-us/articles/22342836013204-Canceling-Your-Subscription",
   "title": "Canceling Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "you can do that from Settings → Security → Delete Monarch account and follow the confirmation steps.",
   "supports": "deleting the account"
  },
  {
   "id": "s9",
   "url": "https://help.monarch.com/hc/en-us/articles/44815447567636-Updating-Your-Subscription",
   "title": "Updating Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "It does not apply to subscriptions billed through Apple or Google.",
   "supports": "the web flow is for direct billing"
  },
  {
   "id": "s10",
   "url": "https://help.monarch.com/hc/en-us/articles/30368325619732-Monarch-s-Money-back-Guarantee",
   "title": "Monarch's Money-back Guarantee (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "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",
   "supports": "the refund"
  },
  {
   "id": "s11",
   "url": "https://help.monarch.com/hc/en-us/articles/30368325619732-Monarch-s-Money-back-Guarantee",
   "title": "Monarch's Money-back Guarantee (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "When the refund is issued, your subscription will be canceled and your Premium access to Monarch will end immediately.",
   "supports": "a refund ends access at once"
  },
  {
   "id": "s12",
   "url": "https://help.monarch.com/hc/en-us/articles/30368325619732-Monarch-s-Money-back-Guarantee",
   "title": "Monarch's Money-back Guarantee (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "Subscriptions made via Apple App Store are not eligible, as these are managed by Apple directly and can only be refunded by Apple.",
   "supports": "App Store purchases are excluded"
  },
  {
   "id": "s13",
   "url": "https://help.monarch.com/hc/en-us/articles/30368325619732-Monarch-s-Money-back-Guarantee",
   "title": "Monarch's Money-back Guarantee (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "30 days after a subscription ends, institution connections within a Monarch account will be disconnected.",
   "supports": "what happens to connections"
  },
  {
   "id": "s14",
   "url": "https://support.apple.com/en-us/118428",
   "title": "Cancel a subscription from Apple",
   "publisher": "platform",
   "quote": "In Settings, tap your name. Tap Subscriptions. Tap the subscription. Tap Cancel Subscription.",
   "supports": "the Apple steps"
  },
  {
   "id": "s15",
   "url": "https://support.apple.com/en-us/118428",
   "title": "Cancel a subscription from Apple",
   "publisher": "platform",
   "quote": "If there is no Cancel button or you see an expiration message in red text, the subscription is already canceled.",
   "supports": "how to confirm on Apple"
  },
  {
   "id": "s16",
   "url": "https://support.google.com/googleplay/answer/7018481",
   "title": "Cancel, pause, or change a subscription on Google Play",
   "publisher": "platform",
   "quote": "On your computer, go to subscriptions in Google Play. For the subscription you want to cancel, click Manage. Click Cancel subscription.",
   "supports": "the Google Play steps"
  },
  {
   "id": "s17",
   "url": "https://support.google.com/googleplay/answer/7018481",
   "title": "Cancel, pause, or change a subscription on Google Play",
   "publisher": "platform",
   "quote": "When you cancel a subscription, you’ll still be able to use your subscription for the time you’ve already paid.",
   "supports": "when access ends on Google Play"
  },
  {
   "id": "s18",
   "url": "https://help.monarch.com/hc/en-us/articles/22342836013204-Canceling-Your-Subscription",
   "title": "Canceling Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "Only the admin can cancel the subscription, so you'd need to reach out to them directly.",
   "supports": "only the household admin can cancel"
  },
  {
   "id": "s19",
   "url": "https://help.monarch.com/hc/en-us/articles/22342836013204-Canceling-Your-Subscription",
   "title": "Canceling Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "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.",
   "supports": "on an Apple or Google Play family plan, the family manager cancels"
  },
  {
   "id": "s20",
   "url": "https://help.monarch.com/hc/en-us/articles/44815447567636-Updating-Your-Subscription",
   "title": "Updating Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "Select Annual ($99.99 / year)",
   "supports": "the annual price"
  },
  {
   "id": "s21",
   "url": "https://help.monarch.com/hc/en-us/articles/44815447567636-Updating-Your-Subscription",
   "title": "Updating Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "Select Monthly ($14.99 / month)",
   "supports": "the monthly price"
  },
  {
   "id": "s22",
   "url": "https://help.monarch.com/hc/en-us/articles/44815447567636-Updating-Your-Subscription",
   "title": "Updating Your Subscription (Monarch Help Center)",
   "publisher": "vendor",
   "quote": "Your Plus plan will be canceled, and on your next subscription renewal date you will be charged for a Core plan.",
   "supports": "switching from Plus to Core applies at the next renewal"
  }
 ],
 "verification": {
  "level": "docs",
  "checked_on": "2026-09-29",
  "by": "stackcut-research",
  "unverified": [
   "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"
  ],
  "review": {
   "by": "stackcut-review",
   "on": "2026-09-29",
   "result": "fixed",
   "notes": [
    "Web route: only the household admin can cancel; who, a tip and the summary now say so (s18)",
    "Apple and Google Play routes: family-plan members must ask the family manager to cancel (s19)",
    "Apple confirm_by now matches Apple's page (no Cancel button OR a red expiration message)",
    "Added pay_less: Annual ($99.99/yr) vs Monthly ($14.99/mo), and Plus-to-Core downgrade, from Updating Your Subscription (s20-s22)",
    "Re-copied s2 and s3 with the page's double quotes"
   ]
  }
 },
 "delete_account": {
  "url": "https://help.monarchmoney.com/hc/en-us/articles/4412388754708-Delete-a-Monarch-Account",
  "difficulty": "easy",
  "source": "JustDeleteMe (MIT), https://github.com/jdm-contrib/jdm"
 },
 "page": "https://stackcut.io/cancel/monarch_money",
 "json": "https://stackcut.io/exits/monarch_money.json",
 "evidence": {
  "packet_revision": "b1602833127489df720df8e2b6878c3b4975bdac9f66a4536707a44ffd047e1a",
  "docs_checked_on": "2026-09-29",
  "last_observed_success_on": null,
  "verification": "docs",
  "freshness": {
   "as_of": "2026-10-09",
   "status": "current",
   "checked_on": "2026-09-29",
   "age_days": 10,
   "stale_after_days": 30,
   "next_check_on": "2026-10-29"
  },
  "routes": [
   {
    "route_id": "monarch-money--direct-web--r1",
    "channel": "direct_web",
    "checked_on": "2026-09-29",
    "freshness": {
     "as_of": "2026-10-09",
     "status": "current",
     "checked_on": "2026-09-29",
     "age_days": 10,
     "stale_after_days": 30,
     "next_check_on": "2026-10-29"
    }
   },
   {
    "route_id": "monarch-money--apple-app-store--r2",
    "channel": "apple_app_store",
    "checked_on": "2026-09-29",
    "freshness": {
     "as_of": "2026-10-09",
     "status": "current",
     "checked_on": "2026-09-29",
     "age_days": 10,
     "stale_after_days": 30,
     "next_check_on": "2026-10-29"
    }
   },
   {
    "route_id": "monarch-money--google-play--r3",
    "channel": "google_play",
    "checked_on": "2026-09-29",
    "freshness": {
     "as_of": "2026-10-09",
     "status": "current",
     "checked_on": "2026-09-29",
     "age_days": 10,
     "stale_after_days": 30,
     "next_check_on": "2026-10-29"
    }
   }
  ]
 },
 "license": "CC-BY-4.0",
 "credit": "Stackcut Exits (https://stackcut.io/cancel), CC BY 4.0"
}