Investing comparison
Bloom vs Monarch Money
Updated
Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Bloom is an investing app and Monarch Money is a budgeting app. Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year, while Monarch Core costs $14.99 a month, or $99.99 a year billed annually. We checked both on Oct 24, 2026, and the official sources differ on 4 of the 9 rows in the table below.
Bloom vs Monarch Money at a glance
Bloom is an investing app and Monarch Money is a budgeting app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 4 of the 9 rows in the table below.
Price and fees
Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually. We checked both on Oct 24, 2026.
Free trial
Monarch offers a free 7-day trial, and you need a payment method to start it. We haven't verified this for Bloom yet, so check the official site for Bloom before you decide. We checked Monarch Money on Oct 24, 2026.
Opening and balance minimums
Bloom has no minimum account balance, but deposits and stock orders must be at least $1. We haven't verified this for Monarch Money yet, so check the official site for Monarch Money before you decide. We checked Bloom on Oct 24, 2026.
Protection
Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash. We haven't verified this for Monarch Money yet, so check the official site for Monarch Money before you decide. We checked Bloom on Oct 24, 2026.
Platforms
Bloom lists iOS and Android. Monarch Money lists Web, iOS and Android. We checked both on Oct 24, 2026.
Bank syncing
Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions. We haven't verified this for Bloom yet, so check the official site for Bloom before you decide. We checked Monarch Money on Oct 24, 2026.
Features
Both Bloom and Monarch Money list AI features. Monarch Money lists goals, shared budgets and investment tracking, which the sources we checked don't confirm for Bloom. We checked both on Oct 24, 2026.
App store rating
Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. Monarch Money has 4.9 out of 5 on the App Store from 115,317 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
Bloom$15a month
Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.
$99.99 a year, from the yearly priceCost over 1 and 3 years: $99.99 and $299.97, at the yearly list price before tax.
As of · bloomapp.com/faq
Monarch MoneyLower price$14.99a month
Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.
$99.99 a year, from the yearly priceCost over 1 and 3 years: $99.99 and $299.97, at the yearly list price before tax.
As of · monarch.com/pricing
Bars compare each app's yearly list price. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer.
At a glance
APY
- Bloom
- Not verified yet
- Monarch Money
- Not verified yet
Source
- Bloom: Not verified yet.
- Monarch Money: Not verified yet.
Free trial
- Bloom
- Not verified yet
- Monarch Money
- 7 days
Source
- Bloom: Not verified yet.
- Monarch offers a free 7-day trial, and you need a payment method to start it. monarch.com/pricing, as of Oct 24, 2026.
App Store rating
- Bloom
- 4.846,596 ratings
- Monarch Money
- 4.9115,317 ratings
Source
- Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. App Store listing, as of Oct 24, 2026.
- Monarch Money has 4.9 out of 5 on the App Store from 115,317 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Bloom
- iOS
- Android
- Monarch Money
- Web
- iOS
- Android
Source
- Bloom lists iOS and Android. bloomapp.com, as of Oct 24, 2026.
- Monarch Money lists Web, iOS and Android. monarch.com, as of Oct 24, 2026.
Bank syncing
- Bloom
- Not verified yet
- Monarch Money
- Yes
Source
- Bloom: Not verified yet.
- Yes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions. monarch.com, as of Oct 24, 2026.
Minimums
- Bloom
- Bloom has no minimum account balance, but deposits and stock orders must be at least $1.
- Monarch Money
- Not verified yet
Source
- Bloom has no minimum account balance, but deposits and stock orders must be at least $1. bloomapp.com/faq, as of Oct 24, 2026.
- Monarch Money: Not verified yet.
Protection
- Bloom
- Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash.
- Monarch Money
- Not verified yet
Source
- Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash. sipc.org/for-investors/what-sipc-protects, as of Oct 24, 2026.
- Monarch Money: Not verified yet.
Features
| Feature | Bloom | Monarch Money |
|---|---|---|
| AI features | Listed by the source | Listed by the source |
| Savings goals | Not verified yet | Listed by the source |
| Shared budgets | Not verified yet | Listed by the source |
| Investment tracking | Not verified yet | Listed by the source |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Bloom: bloomapp.com, as of Oct 24, 2026. Monarch Money: monarch.com/pricing, as of Oct 24, 2026.
What the apps look like
Bloom
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026
Screenshots: Bloom on the App Store, as of Oct 24, 2026.
Monarch Money
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026
Screenshots: Monarch Money on the App Store, as of Oct 24, 2026.
Bloom and Monarch Money, side by side
Rows marked “Differs” are where the official sources say different things, and 4 rows do here. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick.
Swipe the table sideways to see both apps.
| Field | BloomInvesting appBloom is a subscription app for learning to invest, with lessons, games and an investing account for adults and teens.Visit Bloom's site | Monarch MoneyBudgeting appMonarch Money is a paid app for budgeting and for tracking your accounts, net worth and goals in one place.Visit Monarch Money's site |
|---|---|---|
| Price and feesDiffers | Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.As of Oct 24, 2026. Source: bloomapp.com/faq | Lower priceMonarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Oct 24, 2026. Source: monarch.com/pricing |
| Free trial | Not verified yet. | Monarch offers a free 7-day trial, and you need a payment method to start it.As of Oct 24, 2026. Source: monarch.com/pricing |
| APY or rate | Not verified yet. | Not verified yet. |
| Opening and balance minimums | Bloom has no minimum account balance, but deposits and stock orders must be at least $1.As of Oct 24, 2026. Source: bloomapp.com/faq | Not verified yet. |
| Protection | Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash.As of Oct 24, 2026. Source: sipc.org/for-investors/what-sipc-protects | Not verified yet. |
| PlatformsDiffers | Bloom lists iOS and Android.As of Oct 24, 2026. Source: bloomapp.com | Monarch Money lists Web, iOS and Android.As of Oct 24, 2026. Source: monarch.com |
| Bank syncing | Not verified yet. | Yes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions.As of Oct 24, 2026. Source: monarch.com |
| FeaturesDiffers |
|
|
| App store ratingDiffers | Bloom has 4.8 out of 5 on the App Store from 46,596 ratings.As of Oct 24, 2026. Source: App Store listing | Monarch Money has 4.9 out of 5 on the App Store from 115,317 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps to this table and compare up to four side by side.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistMonarch Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderMonarch Money lists goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerMonarch Money lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Bloom nor Monarch Money feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
What real users say
These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.
What Bloom users say
Based on 500 App Store reviews, 3 Reddit posts and 2 YouTube videos dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.
- Of the 505 reviews, posts and videos we read, 223 mention learning about investing.
- Of the 505 reviews, posts and videos we read, 71 mention how easy or hard the app is to use.
- Of the 505 reviews, posts and videos we read, 22 mention the price, fees or the subscription.
Positive
“...my favorite feature is the learning section of it. It has helped me understand so much that I wish I knew when I was younger!”
Mixed
“My kids are on bloom and it has been great so far. Only downside is you have to pay for it but worth it imo.”
Critical
“There is no way to avoid the $15 subscription with Bloom even if you are not using the "learning" platform.”
Where these come from
- Bloom reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for Bloom, read Oct 24, 2026. Public search of comments and posts. 0 named the app; we kept 0 where the writer shares their own use of it.
- Reddit search for Bloom, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Bloom investing app", posts and comments from after Oct 24 2025. It returned 79, most of them about something else. We kept 3 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for Bloom, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Bloom investing app review" from the past year, up to 8 videos. It returned 8. We kept 2 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/Mother-Mountain9299 in r/OracleStock on Reddit, Oct 15, 2026.
- u/ConditionSufficient7 in r/investingforbeginners on Reddit, Jul 14, 2026.
- "Investing For Beginners Is Now Accessible With Bloom | Bloom App Review" by SaaS Reviews on YouTube, Jul 7, 2026.
- u/itsyourboyjjjj in r/investing on Reddit, Mar 8, 2026.
- "How to Use Bloom Investment App for Teens App Properly Beginner Mistakes That Cost You" by Whodunnit Den on YouTube, Nov 12, 2025.
FAQ
How much does Bloom cost?
Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. We checked this on Oct 24, 2026.
How much does Monarch Money cost?
Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually. We checked this on Oct 24, 2026.
Which is cheaper, Bloom or Monarch Money?
The lowest monthly price Bloom lists is $15 a month, and the lowest Monarch Money lists is $14.99 a month, so Monarch Money lists the lower monthly price. We checked both on Oct 24, 2026, and plans change, so check both pricing pages before you decide.
What is Bloom's app store rating?
Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
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Keep comparing
- See Bloom alternatives, closest category first.
- See Monarch Money alternatives, closest category first.
- Browse our guide to the low-cost brokerage accounts.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Not verified yet
- 1 of 13 facts
Bloom6 of 7 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feesbloomapp.com/faq, as of Oct 24, 2026
- APY or rateNot verified yet
- Minimumsbloomapp.com/faq, as of Oct 24, 2026
- Protectionsipc.org/for-investors/what-sipc-protects, as of Oct 24, 2026
- Platformsbloomapp.com, as of Oct 24, 2026
- Featuresbloomapp.com, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Monarch Money6 of 6 verified, last checked Oct 24, 2026
- Price and feesmonarch.com/pricing, as of Oct 24, 2026
- Free trialmonarch.com/pricing, as of Oct 24, 2026
- Platformsmonarch.com, as of Oct 24, 2026
- Bank syncingmonarch.com, as of Oct 24, 2026
- Featuresmonarch.com/pricing, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
