I was eventually invited to the beta barely a month before the platform launched, so I don't really have a way to know how good/bad it is. This is what I experienced:

1) Bank account data sync was first class, after I got through the access/pairing process.

2) Credit card sync was terrible, laughable. As a CapitalOne CC user, first it wasn't supported at all. Then it was supported, but never worked. I need an app that unifies my spending between bank/credit, so that not working was a no-go.

3) Up front there was no estimated price or anything to set my expectations. I barely got the app working before the period ended, the beta app was yanked, and all functionality terminated. Then I saw the $10/mo pricetag and balked. What I had experienced wasn't worth $10 a month, let alone $90/year.

I don't remember having an opportunity to offer feedback when the beta ended.

On a money philosophy note, I do try to take the approach of budgeting where you have a full paycheck saved up. To me, it's the simplest way. You project based on past expenses, add margin where needed, and then allocate your spending "buckets" that way.

I understand that doing budgeting software right is hard. (Who here wouldn't, honestly?) But I'm still kind of skeptical that paying so much would really help me budget better.

Question: how does Monarch handle the once a year expense (sinking fund) type budgeting such as car insurance? Or even web hosting that I might pay on a 1, 2, or 3 year schedule?