Long-time user struggling with value—is it time to switch?
I’ve been using Monarch since the Mint sunset, and while I initially wanted it to be the "forever" solution, I’m finding that the value proposition just isn't there for me anymore.
I’m currently paying for the subscription, but I'm hitting a few walls that are making it hard to justify the cost:
- Sync Issues: My 529 accounts have essentially stopped syncing properly.
- Goals: I’ve found the goals feature to be pretty hit-or-miss—it’s not really helping me track progress the way I need.
- Investments: Similar to goals, the investment tracking feels lacking for my needs.
I really wanted to like Monarch, but if the core features aren't reliable, the subscription price feels steep. Has anyone else reached a similar breaking point? If so, have you found a more affordable or reliable offering that handles investment/529 tracking better?
I’m open to suggestions, whether that’s a different app or even a move back to manual tracking/spreadsheets if the automation is consistently breaking. Thanks in advance!