Our Mission

Transforming lives by simplifying money, together.

What Monarch does

  • Account tracking and net worth

    Monarch connects checking, savings, credit cards, loans, investments, mortgages, real estate, vehicles, and crypto in a single dashboard. Balances update automatically, so you always know your net worth and how it has changed over time.

  • Budgeting

    Choose Flex Budgeting, which groups spending into fixed, non-monthly, and flexible buckets, or a traditional per-category budget. Rollovers carry unspent money or overspending into next month, so the plan stays realistic.

  • Transactions, cash flow, and reports

    Transactions are imported and categorized automatically, with custom rules, splits, tags, and notes. Cash flow reports, Sankey diagrams, and a monthly review show where money comes from and where it goes.

  • Recurring bills and subscriptions

    Monarch detects recurring charges and shows upcoming bills on a calendar, with balances and due dates synced from supported billers. Reminders help you avoid late fees and spot subscriptions you no longer use.

  • Goals and forecasting

    Set save-up goals for things like a home or a trip and pay-down goals for debt, then link accounts to track progress. Monarch Plus adds forecasting for retirement and what-if scenarios, business-owner tools, advanced investment analysis, and estate planning.

  • AI Assistant

    Ask questions about your finances in plain language and get answers based on your own data. The assistant was built with input from Monarch’s in-house financial advice team, and your data is not used to train public models.

What makes Monarch different

  • Your whole financial picture in one place

    Budgets, cash flow, investments, net worth, and goals all live together. You can see where you stand without jumping between apps, bank websites, or spreadsheets.

  • Manage money together

    One subscription covers your whole household, and each person gets their own login at no extra cost. Shared Views let you mark accounts and transactions as yours, mine, or ours, and you can give your financial planner or advisor access too.

  • Budgeting that fits how you manage money

    Use flex budgeting, set limits category by category, or just track your spending. Categories, rules, and dashboards are all customizable, so Monarch adapts to you rather than the other way around.

  • Your data stays private and secure

    Monarch is funded by member subscriptions, so we don’t sell your data or show you distracting ads. We have read-only access to your accounts, encrypt your data, and are SOC 2 Type 2 certified.

  • Built with you, improved every month

    Your feedback shapes what we build. Members test new features in beta, share ideas in our Reddit community, and see what’s new in our monthly product update.

  • Best-in-class data connectivity

    Monarch connects through Plaid, Finicity, and MX, and you can switch providers for a specific institution if a connection breaks. Home values from Zillow and vehicle values from VinAudit mean your net worth includes more than just your bank accounts.

  • Web, iOS, and Android, fully synced

    Monarch works on the web, iPhone, iPad, and Android, and every change syncs across devices.

The team behind Monarch

How Monarch started

Val Agostino, Jon Sutherland, and Ozzie Osman founded Monarch in 2018. After Intuit announced Mint’s shutdown in late 2023, Monarch’s membership grew about 20x in a year and passed 1 million members in March 2026.

  • Val Agostino

    Val Agostino

    Co-Founder and CEO

    Val Agostino is the Co-founder and CEO of Monarch, where he leads the company’s strategic direction and growth.

    Val has shown a consistent instinct for products that change daily behavior at scale. Prior to founding Monarch, Val was an early product leader at Mint, where he helped grow the company from launch to 2 million users before its $170 million acquisition by Intuit. He later founded WorkLife, a meeting productivity tool, before it was acquired by Cisco, where he went on to lead a product and growth team of 100+ people. He also built Britely, a note-taking plugin, which eventually sold to Groupon.

    With Monarch, Val brings those experiences to a problem that touches everyone, helping people feel confident and in control of their financial lives.

    LinkedIn
  • Jon Sutherland

    Jon Sutherland

    Co-Founder, Head of Product & Design

    Jon Sutherland is Co-founder and Head of Product & Design at Monarch, where he leads the teams shaping how the product looks, feels, and works.

    He’s been designing and building software for over 15 years, mostly at early-stage startups. Before Monarch, he was a product leader at Parabola, a workflow automation startup, and the founding designer at WorkLife, which was later acquired by Cisco.

    At Monarch, Jon is focused on one thing: making it simple and clear for anyone to understand and manage their money.

    LinkedIn
  • Ozzie Osman

    Ozzie Osman

    Co-Founder and Head of Engineering

    Ozzie Osman is Co-founder and Head of Engineering at Monarch, where he shapes how product, engineering, and AI come together to give people more clarity around their money.

    Ozzie has spent his career building products that help people access better information and collaborate more thoughtfully. He started his career in product development at Google, before co-founding Parlio, a platform created to foster thoughtful conversations around complex issues. Parlio was acquired by Quora, where he went on to lead product engineering, deepening his focus on how technology shapes the way people learn, share, and decide. He was also a lead author at Holloway, a publishing platform built to make expert knowledge more accessible.

    Ozzie brings his cross-product experiences to personal finance at Monarch, building tools that make money feel less isolating and more actionable.

    LinkedIn

A letter from the founders

We know the feeling. You check your credit card statement and wonder how you spent that much. Or you have your eye on a new home but you aren’t quite sure how to get there.

Managing your finances can feel more complicated than ever. With money spread across multiple accounts, it can be hard to get a firm grip on your finances and your future.

This is why we created Monarch.

We believe everyone deserves tools that make money simple, transforming your relationship with money so you can build a life you love.

With Monarch we show all your accounts in a beautiful single view. We automatically categorize all of your money and create a flexible budgeting plan made just for you. And we make it dead simple to team up with your spouse, partner, or even a financial advisor.

Every team member at Monarch is dedicated to simplifying your finances and returning control of your money to you — where it belongs.

Cheers, Val, Jon, Ozzie

Key facts

Company Name

Monarch Money, Inc. (Monarch)

Type

Private company; consumer personal finance software (subscription)

Founded

2018

Founders

Val Agostino, Jon Sutherland, Ozzie Osman

Headquarters

USA (fully remote)

Core Offering

All-in-one personal finance app for tracking accounts, budgeting, and planning, on web, iOS, and Android

Pricing

Core: $99.99/year or $14.99/month. Plus: $199/year. Professional: $14.99/month per sponsored client. 7-day free trial.

Services

Account aggregation, net worth, budgeting, transactions, cash flow reports, recurring bills, goals, investment tracking, credit score, AI Assistant, forecasting (Plus)

Customers Served

More than 1 million members (March 2026)

Competitors

YNAB, Quicken Simplifi, Empower, Rocket Money, Credit Karma, Copilot Money

Reviews

4.9 stars, 150,000+ reviews

Team

Val Agostino

Co-Founder and CEO

Jon Sutherland

Co-Founder, Head of Product & Design

Ozzie Osman

Co-Founder and Head of Engineering

Joyce Lin

Head of Operations

Layna Smith

Head of Customer Success

Brittany Rohde

Head of People

Rachel Lawrence

Head of Advice & Planning

Matt Krueger

Director of Data

Zach Burmeister

Head of Software Infrastructure

Alisha Sojar

Head of Core Product Engineering

Laura Kobroff

Head of Customer Success Operations

Vanessa Barreiros

Senior Software Engineer

Alvin Chow

Principal Software Engineer

Rafael Lago

Senior Software Engineer

Eduardo Schmidt

Staff Software Engineer

Liz Bolduc

Customer Success Manager

Luiz Mitidiero

Principal Software Engineer

João Carvalho

Staff Software Engineer

Chris Hanlon

Technical Support Engineer

Jenna Tunick

Head of Product Marketing

Donato Aguirre

Staff Software Engineer

Conner Drew

Principal Product Designer

David Nutting

Principal Software Engineer

Simon Ayzman

Principal Software Engineer

Cara Rano

Principal Product Designer

Taylor Shivers

Senior Customer Success Manager

Derek Bruner

Relationship & Partnership Manager

Lara Hanlon

Senior Customer Success Manager

Jaryd Remillard

Staff Security Engineer

Elliot Dicus

Principal Software Engineer

Philip Alexander

Customer Solutions Engineer

Austin Croxall

Marketing Data Analyst

Bryana Arlington

Head of Creative Production

Max North

Senior Software Engineer, Infrastructure & Platform

Eduardo Erlo

Senior Software Engineer

Christy Quetsch

Senior Manager, Growth Marketing

Luke Tyhurst

Technical Support Engineer

Jenny Liu Zhang

Staff Product Designer

Sue Cho

Head of Lifecycle Marketing

Lizzie LaPonsey

Staff Technical Recruiter

Kyle Suss

Senior Software Engineer

Steve Razzano

Technical Support Engineer

Julia Claffey

Senior Affiliate Marketing Manager

Josh Erickson

Staff Data Analyst

Jordan Yatckoske

Senior Software Engineer

Brittany Chu

Manager, Growth Marketing

Jonathan Javier Monsalve Giraldo

Staff Software Engineer

Dorie Schatteman

Senior Graphics Designer

Agustín García Flores

Principal Software Engineer

Erica Nelson

Head of Research

Lien Van Den Steen

Staff Platform Engineer

Lauren Rosen

Senior Customer Success Manager

Andrew Graves

Senior Customer Success Manager

Mike Schutte

Staff Design Engineer

Evan Burkholder

Staff Security Engineer

CJ Wilson

Senior Software Engineer

Robby Ackerley

Senior Software Engineer

Lívia Delgado

Senior Software Engineer

Amanda Gralto

Senior Customer Success Manager

Lucas de Oliveira

Senior Software Engineer

Wells Riley

Principal Product Designer

Luis Hidalgo

Technical Lead Manager, Growth Engineering

Jason Palumbo

Senior Graphic Designer

Erin Bream

Head of Partnerships

Alessandro Costa

Senior Software Engineer

Noel DeLeone

Customer Success Lead

Daniel Leslie

Tech Lead Manager

Elle Longwell

IT Manager

Mary Munoz

Creative Operations Manager

Emily Hoerchler

Staff Product Designer

Tomi Kalmi

Senior Software Engineer, Growth

Connor Noble

Senior Software Engineer

Sophia Aguiñaga

Executive Operations Lead

Dan McCabe

Staff Software Engineer

Vinita Dhayal

Senior SEO Manager

Ceejay Varias

Staff Software Engineer

Muhammad Atef Hassouna

Principal Software Engineer, Machine Learning

Peter Wilson

Staff Infrastructure Engineer, Machine Learning

Deepak Kumar

Senior AI Platform Engineer

Valentín Ratti

Staff Product Engineer

Chase Masterson

Staff Motion Designer

Adam Monroe

Finance Manager

Kait Masters

Senior Community and Social Engagement Manager

James Trenda

Software Engineer, Growth

Kyle Bale

Senior Analytics Engineer

Ennio Maldonado

Senior AI Platform Engineer

Gabriele Concli

Software Engineer

Franco Simeone

Staff Software Engineer

Dolores Smith

Accountant

Keith Bourgoin

Head of AI Engineering

Ryan Nier

General Counsel

Wyatt Lennertz

Senior Video Editor

Colleen Purdy

Principal Product Designer

Jackie Eibey

Executive Business Partner

Abdallah Hemdan

Senior Software Engineer

Sheena Bryson

Manager, Customer Success

Ashley Gaunt-Seo

Staff Product Designer

Andre Seguin

Senior Security Engineer

Mattie Phillips

Engineering Manager

JT Talamantes

Senior Manager, Security Engineering

Beverley Theron

Manager, People Operations

We’re in the early innings of building a life-changing personal finance app. Want to work with us?

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