--- title: "How to Cancel Monarch Money and Delete Your Account | Candor" description: "Cancel Monarch on the web under Settings, Billing, or in the App Store or Google Play. The trial, refunds, what happens to your data, and what to download first." url: "https://candor.money/how-to-cancel-monarch-money" updated: "2026-11-11" --- # How to cancel Monarch Money and delete your account Updated 2026-11-11. Canonical page: https://candor.money/how-to-cancel-monarch-money To cancel Monarch, sign in on the web, go to Settings, then Billing, select Manage subscription, and then Cancel Subscription. If Apple or Google bills you, cancel in that store instead. You keep Monarch until your paid time runs out, and your data stays. Monarch also refunds the unused part of a subscription it bills directly if you ask. Below are the exact steps, how to cancel during the free week, what to download, and how to delete the account, from Monarch's help center as of November 9, 2026. ## How it works with your agent 1. Create a Candor account. The Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. Or try it free with your history from Monarch, YNAB, Copilot, or your bank. 2. Download your transactions and balances from Monarch on the web, and upload the files to Candor; your agent checks them and adds your accounts. 3. Copy one setup message into Claude, ChatGPT, or your agent, and approve its access. 4. Tell your agent what you want, and it rebuilds your budget and goals from your real figures, saved with their reasons. ## How do you cancel Monarch Money? If Monarch bills you directly, sign in on the web, go to Settings, then Billing, select Manage subscription, then Cancel Subscription. Billing settings are on the web only. If you don't see a cancel option, you are a household member, and only the household admin can cancel. If Apple or Google bills you, cancel in that store. Not sure who bills you? Check your Apple or Google subscriptions first. If Monarch is not listed there, Monarch bills you directly. ## How do you cancel Monarch on an iPhone or Android? On an iPhone, open the Settings app, tap your name, tap Subscriptions, choose Monarch, and tap Cancel Subscription. On Android, open the Google Play Store app, tap your profile picture, tap Payments & subscriptions, then Subscriptions, and choose Monarch. Uninstalling the app does not cancel it. If Monarch is missing from the list, you may be on a family plan, and the family manager has to cancel. Monarch can't see or change App Store subscriptions, so cancellations and refunds for those go through Apple. ## How do you cancel the Monarch free trial? Use the same steps, and cancel at least 24 hours before the trial ends so you are not billed. You keep access for the rest of the trial no matter when you cancel. Monarch bills at the end of the trial and renews until you cancel. The trial is one week on Core and on Plus. You can start a subscription later from Billing settings if you change your mind. ## What happens after you cancel Monarch? You keep using Monarch for the time left on your subscription. Your data is not deleted. After 30 days without a subscription, your bank connections disconnect and stop syncing. Subscriptions cannot be paused, and cancelling does not delete your account. Your full history stays available to download on the web even after your subscription or trial ends, Monarch says, so you can come back for it. ## Can you get a refund from Monarch? Yes, for a subscription Monarch bills directly. Its money-back guarantee refunds the remaining time on your subscription at any point after purchase, with no questions asked. Request it through Monarch's help center. App Store subscriptions are refunded only by Apple. When Monarch issues the refund, your subscription is cancelled and access ends right away, but you can still sign in to download your history or delete the account. Monarch asks you not to delete the account before requesting a refund. ## What should you download before you cancel? Download your transactions and balance history as CSV files on the web. For all accounts at once, go to Settings, then Data, and select Download Transactions, then Download account balances. For one account, open it under Accounts, select Edit, and choose Download transactions or Download balance history. Monarch suggests 5,000 transactions or fewer per download, so split a long history by date range. Downloads are on the web only, not in the phone app. - [How to export your transactions from any app or bank](https://candor.money/how-to-export-your-transactions) ## How do you delete your Monarch account? If you are the household admin, cancel any paid subscription first, then go to Settings, then Security, and select Delete Account. If you joined someone else's household, go to Settings, then Members, select Edit on your account, and select Remove. Deleting is permanent and removes your connections, transactions, and balances. Monarch says it may keep some information after an account closes, as its privacy policy describes. To ask it to delete the personal information it holds, email support@monarch.com. When a member leaves, the accounts they added leave the household too. ## Should you cancel Monarch? Keep Monarch if your household opens it and keeps the budget up together; it does that job well. Cancel if the budget has gone stale because no one checks the app, or if you would rather the AI agent you already use keep the budget for you. - [How much does Monarch Money cost?](https://candor.money/monarch-money-cost) - [Is Monarch Money worth it?](https://candor.money/monarch-money-review) ## What can you use instead of Monarch? If you already use Claude, ChatGPT, or another AI agent, use Candor. Your agent sorts your spending and keeps your goals and budget, and Candor reviews your finances and tells it what's worth talking through and why, so a goal slipping or a bill going up comes up while there is time to act. Upload your Monarch CSV files on Candor's Accounts page or through a link your agent sends you, and your agent checks them and adds your accounts. Budgets and goals don't come over in the export, so your agent rebuilds them with you from your real spending. The Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. You can also try Candor free first. Bring your history over from Monarch, YNAB, Copilot, or your bank. Download your transactions there, and your agent adds your accounts from the file. - [Monarch Money MCP and how Candor compares](https://candor.money/monarch-alternative) ## Common questions ### Why can't I cancel Monarch in the app? Billing settings are on the web only for subscriptions Monarch bills. If Apple or Google bills you, cancel in that store's subscriptions. ### Does cancelling Monarch delete my data? No. Your data stays, and you can download it on the web after the subscription ends. Your bank connections stop syncing 30 days after it ends. ### Can a household member cancel Monarch? No. Only the household admin can cancel. A member can leave the household and delete their own account under Settings, Members. ### Can I bring my Monarch data to Candor? Yes. Download your transactions and balances from Monarch on the web, then upload the files on Candor's Accounts page. Candor is free to try with your Monarch history. ### How much does Candor cost? Candor's Personal plan connects your US banks, cards, and brokerages, so every account and transaction comes in on its own and Candor always reviews current records. It costs from $8.25 a month on the annual plan ($99 a year), or $14.99 month to month, and its first 7 days are free. You can also try Candor free first. Bring your history over from Monarch, YNAB, Copilot, or your bank. Download your transactions there, and your agent adds your accounts from the file. ## Sources - [Canceling Your Subscription](https://help.monarch.com/hc/en-us/articles/22342836013204-Canceling-Your-Subscription), Monarch, 2026-11-09 - [Monarch FAQs](https://help.monarch.com/hc/en-us/articles/19985735202068-Monarch-FAQs), Monarch, 2026-11-06 - [Monarch's Money-back Guarantee](https://help.monarch.com/hc/en-us/articles/30368325619732-Monarch-s-Money-back-Guarantee), Monarch, 2026-11-07 - [Downloading Transaction or Account History](https://help.monarch.com/hc/en-us/articles/15526600975764-Downloading-Transaction-or-Account-History), Monarch, 2026-10-28 - [Delete a Monarch Account](https://help.monarch.com/hc/en-us/articles/4412388754708-Delete-a-Monarch-Account), Monarch, 2026-11-07 - [Monarch Plus Tier](https://help.monarch.com/hc/en-us/articles/48349699981972-Monarch-Plus-Tier), Monarch, 2026-10-27 - [Cancel, pause, or change a subscription on Google Play](https://support.google.com/googleplay/answer/7018481), Google ## Keep reading - [How much does Monarch Money cost?](https://candor.money/monarch-money-cost) - [How to export your transactions](https://candor.money/how-to-export-your-transactions) - [Monarch Money MCP and alternatives](https://candor.money/monarch-alternative) - [Monarch Money review](https://candor.money/monarch-money-review) - [How to cancel YNAB](https://candor.money/how-to-cancel-ynab) - [Start Candor from your export](https://candor.money/try-candor-free) - [What budget could I actually live with?](https://candor.money/explore/realistic-budget) - [Am I on track for my goals?](https://candor.money/explore/goal-progress) ## Keep your history and let your agent keep the budget. Bring your Monarch export into Candor, add your agent, and tell it one thing you want with your money. Your agent sets up the goals and budget, and Candor keeps them. Agents can install Candor themselves from https://candor.money/START.md.