Where Does Monarch Money Store Budgets and Data?
Monarch keeps budgets in your Monarch account cloud, with the phone holding login plus transaction cache. Sign in to restore.
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Monarch is a cloud ledger with phone editing. Budgets, linked accounts, and categories live in your Monarch account. The app caches recent months for offline entry and fast scrolling. Bank import runs server side.
Same email means same budgets. Shared households need the same household invite accepted on the new phone. Exact cache names shift with releases. For moves, sign in and let sync finish before entering transactions. A second email shows an empty trial, which fools people every month.
Where Monarch Money stores this, by platform
/data/data/com.monarchmoney.mobile
Budgets follow your Monarch login. The phone holds session plus cache. Bank links refresh server side. Match the email exactly on the new phone.
On My iPhone/Monarch
Same account sync model as Android. Export CSVs from the web app for records. Phone reinstall never touches the cloud ledger.
Frequently asked questions
How do I move Monarch to a new phone?
Install Monarch on the new phone and sign in with the same email. Budgets, accounts, and rules download from your account. Bank links refresh server side. Confirm the dashboard looks complete before wiping the old device.
How do I export Monarch transactions?
Open the web app and export transactions to CSV for archiving. The phone cache holds no master ledger worth copying. Recurring rules and categories sync through the account, so exports are snapshots rather than backups.
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