How to cancel Monarch: Budget & Track Money and get your money back
Monarch: Budget & Track Money is a Finance app by Monarch Money, Inc.. Canceling and getting refunded are two separate things — most people do the first and assume the second happens automatically. It doesn't.
Based on 100 of the most recent public App Store reviews, sampled September 2026.
Step 1 — Stop the next charge
- On iPhone or iPad: Settings → tap your name → Subscriptions.
- Select Monarch: Budget & Track Money → Cancel Subscription.
- Check that it now says Expires and not Renews. If it still says Renews, it is not canceled.
Deleting the app does not cancel the subscription. This is the single most common reason people keep getting charged.
Step 2 — Ask Apple for the charge back
Answer these and you'll get the exact wording to paste into Apple's form. Nothing is sent anywhere — it's generated in your browser.
You're not the only one
Recent 1–2★ reviews of Monarch: Budget & Track Money on the App Store, about billing:
I canceled within the trial period and they continue to try to charge me for an entire year. No obvious recourse, no customer service, nothing. Doesn’t matter how helpful the app is, or isn’t - the whole thing is set up to take money from you, not help you manage anything.
I’m looking for a free budgeting app, because I don’t need another subscription. I’ve closed out of the app to see if maybe I can bypass the pop up for the subscription but nope it won’t budge. And I feel like that’s not fair to anyone who is struggling and not wanting to spend money to be able to budget and see their finances.
Monarch has no real customer service. They pretend like they do but it’s basically a scam. You can’t talk to anyone on the phone and they just pass you off from one contact to another over and over via email and will let a whole week go by before returning your message. Nobody ever fixes anything which makes the software unusable if problems cannot be fixed. After months of back and forth with no real help they’ve ju…
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Questions
Can I get a refund after I already canceled Monarch: Budget & Track Money?
Yes. Canceling stops future renewals but does not refund a charge that already went through. You request that separately at reportaproblem.apple.com, and "I was charged after I canceled the subscription" is the reason to select.
How long do I have to ask for a refund?
Apple generally expects refund requests within 90 days of the charge. Ask as soon as you notice it — requests on recent charges are approved more often.
Apple declined my request. Is that the end?
No. A first decline is common and is often automated. You can submit the request again with more specific facts and ask for review by a senior advisor. If it is declined again, you can dispute the charge with your card issuer.
Will I lose access to Monarch: Budget & Track Money if I cancel?
You keep access until the end of the period you already paid for. Canceling only stops the next renewal.