Because Monarch is a subscription-only service, "free" access is limited to trial periods and referral incentives.
Once the trial ends, Monarch offers two subscription options: monarch money free
: The trial includes every feature available in the paid plans, with no paywalls or "lite" versions during the 7 days. Because Monarch is a subscription-only service
I understand you're looking for a guide to using for free. However, it's important to be clear upfront: Monarch Money does not have a permanent free tier. monarch money free