A new year is the perfect time to get your spending in order, and if you’re not trying to build your own spreadsheet, budgeting apps are one of the best ways to do it. To save yourself some money in the process, you can pick up a year-long subscription to Monarch Money, one of Engadget’s favorite budgeting apps, for just $50 if you use code NEWYEAR2026 at checkout and you’re a new subscriber. That’s a 50 percent discount on the service’s normal $100 price.

Monarch Money makes for a capable and detailed budgeting companion. You can use the service via apps for iOS, Android, iPadOS or the web, and Monarch also offers a Chrome extension that can sync your Amazon and Target transactions and automatically categorize them. Like other budgeting apps, Monarch Money lets you connect multiple financial accounts and track your money based on where you spend it over time. Monarch offers two different approaches to tracking budgeting (flexible and category budgeting) depending on what fits your life best, and the ability to add a budget widget on your phone so you can know how you’re tracking that month.

Monarch Money

How budgeting apps turn your raw transactions into visuals you can understand at a glance is one of the big things that differentiates one app from another, and Monarch Money offers multiple graphs and charts to look at for things like spending, investments or categories of your choice based on how you’ve labelled your expenses. The app can also monitor the spending of you and your partner all in one place, to make it easier to plan together.

The main drawbacks Engadget found in testing Monarch Money were the app’s learning curve, and the differences in features (and bugginess) between Monarch’s web and mobile versions. Still, for 50 percent off, the Monarch Money is well worth experimenting with if you’re trying to save money in 2026, especially if you want to do it collaboratively with a partner.

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