The subscription personal finance app built by Mint's early product team, fully remote since before the pandemic.
Monarch has raised about $94.8M. A $4.8M seed in July 2021 came from Accel, SignalFire and Clocktower Ventures, followed by a $15M Series A led by Menlo Ventures in early 2022. On May 23, 2025 the company announced a $75M Series B co-led by Wesley Chan at FPV Ventures and Eurie Kim at Forerunner Ventures, with Menlo, Accel, SignalFire and Clocktower all participating, at an $850M valuation that CEO Val Agostino confirmed to CNBC. CNBC called it one of the largest raises for an American consumer fintech in 2025, landing in what it described as a nuclear winter for fintech startups. No new round has been announced since.
Monarch Money is an all-in-one personal finance platform: budgeting, transaction tracking, net worth, investments, recurring bills, goals and forecasting in one app, with Shared Views so couples can manage money together. It is subscription only, with no ads and no selling of user data, and a premium Monarch Plus tier added in April 2026 brings Morningstar-powered fund analysis and gains-and-losses views. An AI Assistant trained with input from certified financial planners answers questions like why spending jumped last month against the member's own linked accounts.
The company was founded in 2018 and launched publicly in 2021. When Intuit announced in November 2023 that it was shutting down Mint, Monarch shipped an open source Chrome extension to export Mint data and saw signups rise 20 times; paid subscribers grew 20x over the following year. Monarch passed 1 million members in March 2026, more than doubling year over year, and was named to Fast Company's 2026 Most Innovative Companies list. The Wall Street Journal called it the best budgeting app overall for 2024 and PCMag made it an Editors' Choice in 2026.
Val Agostino, CEO and co-founder. Second product manager at Mint, joining a few weeks after launch and serving as Director of Product through the $170M Intuit acquisition announced in November 2009, after growing it to 2 million users. Later co-founded WorkLife (Y Combinator W15, acquired by Cisco in 2016), where he went on to lead a 100+ person product and growth team as a Senior Director, was CEO of Britely (acquired by Groupon) and a general manager at eBags. Describes himself as founder or CEO of five startups with four exits. B.S.E. in Environmental Engineering from the University of Michigan and an MBA from London Business School.
Ozzie Osman, Head of Engineering and co-founder. Egypt-born engineer who started as a software engineer and tech lead at Google, founded Akhbarak.net, one of Egypt's first Arabic news aggregators, then co-founded Parlio, a civic discussion platform acquired by Quora in 2016, where he became Head of Product Engineering. Also a lead author at Holloway, the business publishing platform. B.S. in Computer Science from MIT.
Jon Sutherland, Head of Design and co-founder. Was the first and only design hire at WorkLife, Agostino's YC-backed meeting productivity startup acquired by Cisco, with full autonomy over product design. Before that co-founded and ran Everlab, a half agency, half startup studio that was in the first class of the USC Startup Garage incubator backed by Kleiner Perkins. B.S. in Business Administration from the University of Southern California.
Monarch Money is a fully remote company headquartered in San Francisco that hires across the United States and Canada, with some roles open to candidates outside the US. There is no central office anywhere: postings are tagged Remote (US), Remote (Canada) or Remote (non-US), and the company says it welcomes applicants from almost anywhere. Recent press releases carry a Covina, California dateline.
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Own and mature company-wide procurement for a personal finance app; remote with core collaboration 9 AM–2 PM PT; 7+ years, tech procurement/sourcing, vendor negotiations, workflow platforms, SaaS/cloud/data/AI spend, AI fluency; reports to Head of Operations and Finance, equity, bonus, monthly 3-day weekend.
Remote anywhere; fully remote company with core collaboration mostly 9 AM–2 PM PT.
Own day-to-day security compliance and customer security assurance while maturing the broader GRC program; builder-operator role with heavy cross-functional coordination across People, Legal, IT, Operations, Engineering, and leadership; responsibilities include continuous controls monitoring, security awareness training, audit evidence and coordination, findings remediation, third-party risk management, risk register/assessments/treatment tracking/reporting, policy and procedure maintenance, and scaling customer questionnaires, evidence requests, trust center content, and knowledge base; strong emphasis on automating GRC workflows with compliance platforms and AI tooling; requires 3-5 years in security GRC/compliance/customer assurance in high-growth environments, hands-on knowledge of technical controls behind frameworks such as IAM, endpoint, and cloud infrastructure, experience with SOC 2 or equivalent, customer assurance, and platforms like Vanta/Drata/Oneleet/SafeBase; bonus for incident response or SOC background, audit-side experience, building GRC agents/tools, security support for contract reviews, fintech/financial services, and certs like CISSP/CISA/CRISC
Remote anywhere; sync collaboration mostly 9 AM–2 PM PT
Reports to Head of FP&A; supports scaling finance function through annual budget, quarterly re-forecast, core operating model, month-end reporting and variance analysis; owns departmental financial alignment across Growth, Product, Engineering, People, and CS; serves as finance approver for vendor/purchase requests, monitors spend and renewals, and provides budget visibility to department leaders; prepares investor and board reporting inputs; improves recurring reporting and self-serve analytics in Aleph and Omni; requires 4+ years in FP&A/corporate finance with full planning-cycle exposure and advanced Excel/Google Sheets modeling; bonus: subscription/SaaS/fintech experience, SQL/BI tools, ERP/planning tools, procurement/spend tools, finance-related bachelor's degree
Remote anywhere; synchronous collaboration mostly 9 AM–2 PM PT
Candidates must have 8+ years of relevant commercial and corporate law experience and be admitted to a state bar. Proficiency in navigating complex legal frameworks and an interest in leveraging generative AI tools for legal practice are essential.
Remote in the United States only; fully remote with no central office; must be state-bar admitted or eligible for in-house counsel.
Requires 5+ years of Product Management experience with a proven track record of shipping high-quality products. Candidates must be comfortable with technical complexity, high autonomy, and the daily use of AI in their workflow.
Remote US only
Monarch is the company that won the Mint diaspora, and it did so on a business model its founders chose deliberately. Agostino told TechCrunch: "When we started Monarch, my goal was to 'fix' many of the things I felt were broken at Mint. The biggest was the business model. A free personal finance app is simply not a viable business due to the high costs required for financial data aggregation." The product is paid by members rather than advertisers, which is why postings talk about members instead of users.
Remote is the default, not a concession. The careers page describes the setup as "Fully remote. Async-first.", and its stated philosophy is "People do their best work when they have the agency to work in ways that fit their lives."
Pay ranges are printed on every posting and benchmarked against similar-stage growth companies. Beyond salary: best-in-class health coverage and fertility benefits, parental leave that the careers page says supports all paths to parenthood, and a $1,500 annual development stipend through the Monarch Grow learning program.
Monarch describes itself as "a team of do-ers led by experienced entrepreneurs", and postings are explicit about autonomy: product managers are told "You won't be coordinating; you'll be building", and engineers are expected to "own" the full implementation of whatever they work on. Many team members were Monarch users before they joined, and Simon Ayzman, a Tech Lead Manager, describes being "surrounded by a product-minded team genuinely excited about building thoughtful experiences".
AI fluency is a stated requirement for every hire, not a nice-to-have. The boilerplate on each posting reads: "AI is core to how we operate: every person on the team uses it as a partner to sharpen judgment, move faster, and expand what's possible. We're not looking for tool mastery, we're looking for fluency and curiosity. What matters is that AI is part of how you work today." Even the Commercial Counsel posting asks for someone "curious about (or already using) generative AI tools".
Monarch's hiring process is printed on each posting. For engineering and operations roles it is a recruiter video call, a hiring manager video call, a take-home assignment, a virtual onsite of two to four interviews, reference checks and an offer. Product manager roles run the onsite before the take-home. Postings ask for senior experience: 5+ years for product managers, 5+ years for security engineers, 8+ years for Commercial Counsel, and a Future Engineering Opportunities listing stays open year-round for engineers who do not match a specific role, with the request to include a note about the work you love to do.
What they screen for is a product-centric mindset ("even our Infra/Platform engineers are passionate about product"), comfort working across the stack, and clear written English for an async team. Monarch is an equal opportunity employer and follows California and San Francisco fair chance hiring laws, so applicants with arrest and conviction records are considered.
As of September 2026: Product Manager (Senior to Principal) $180,000 to $275,000; Commercial Counsel $250,000 to $300,000; Senior Application Security Engineer and Senior Security GRC Analyst $180,000 to $215,000; Principal, Strategic Operations $170,000 to $205,000; Principal, Procurement $175,000 to $205,000; Senior FP&A Analyst $140,000 to $160,000. The open-ended engineering listing quotes $120,000 to $230,000 and the general Future Opportunities listing $80,000 to $200,000. Final offers depend on experience and expertise.
React and TypeScript with React Native for mobile and Apollo for GraphQL requests on the front end; Python and Django with GraphQL via Graphene, PostgreSQL and Redis on the back end; AWS with Terraform, Docker, ECS and EC2 for infrastructure; and CircleCI for CI/CD. Engineering is split into Product Engineering, Growth, Aggregation (bank connections and data sync), Infra/Platform, Security and Internal Tools/AI teams.
Monarch Money says benefit plans depend on your location. In the United States that means medical, dental and vision coverage and a 401(k) plan; a 2025 posting for product engineers outside the US marked both as US-only, so non-US hires should expect cash, equity and the stipend rather than a health plan. Benefits are for full-time employees only.
Sometimes. Monarch Money posted a remote Software Engineering Intern role in the US in 2025 with a shorter process (recruiter call, technical assessment, live coding, then one or two onsite rounds), but there are no intern or junior listings open as of September 2026; current engineering listings ask for 3+ years of full-stack experience at minimum and are titled Senior, Staff or Principal.
Monarch Money charges members directly: $99.99 a year or $14.99 a month for the core product, and $199 a year for Monarch Plus, plus a plan for financial advisors who use it with clients. There is a 7-day trial, no free tier and no credit card offers, and the platform is SOC 2 compliant.
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