Monarch Money

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Monarch Money is an all-in-one platform that tracks spending, investments, and net worth in a single dashboard. You can organize spending using flexible categories that match how you actually think about money, not preset templates. The app also tracks investment accounts and retirement balances alongside everyday spending, giving you a complete wealth picture.

Freelancers with savings and investment accounts appreciate Monarch Money's holistic approach to personal finance. It's more comprehensive than category-focused apps but less specialized than accounting software, making it ideal for those managing multiple income streams and growing assets over time.

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