Analyzed automatically. Assessed 2026-10-05 from 550 user reviews, the store listing and its privacy label. We have not scanned the app's package, so nothing on this page was read from inside the app itself.
This analysis describes version 2.0.118 of the app, analyzed 2026-10-05 . The app may have changed since.
The store currently lists version 2.0.118, updated 2026-09-30.
What the analysis found
One source only — shown, not confirmed 1
A single kind of evidence. We publish these because withholding them would be the bigger distortion, and we do not treat any of them as a finding we stand behind.
What reviewers said
Verbatim excerpts from public store reviews, shown as corroborating user reports. They are not Appworthy audit evidence, and a quotation is not proof of the finding it sits under.
Tracking and data collection concerns
Duplicate Transaction Debacle — I switched to Monarch after Mint dropped out and have been happy since. There have been issues but nothing like what has happened over the past month. One of my major credit card spending accounts has…
Junk - Nothing to See Here — Sadly just another app that does Not preserve your financial privacy. The only priority of this app is to collect your personal financial data to sell to data brokers! Be wise and use products that preserve…
Incredibly bad at syncing — This app is terrible at syncing accounts and even worse at support. Even after many months they are somehow incapable of interacting with the third-party financial data providers in a way that resolves issues…
What this app sells
From the store listing. Billing terms are read from each purchase’s name — the stores don’t publish them — so treat them as a strong hint, not a disclosure.
How the automated analysis works
This assessment is produced automatically. Three independent signals are read — user reviews, the store listing and the store privacy disclosure — and each candidate finding is filed under the sources that support it.
No charge stands on one kind of evidence — with one published exception. A finding is either a measured fact that anyone can reproduce (an ad SDK is in the package; every subscription bills weekly; the privacy label omits a tracker we can see), or it is an interpretation — and an interpretation needs independent sources to agree before it reaches the catch list. The exception is a harm only users can see: a charge may publish from reviews alone, as “Reported by N users”, once enough reviewers raise it to clear that charge’s own published bar. That agreement rule is what replaced the human reviewer, not a model’s confidence.
There is no overall score, on purpose. A 0–99 number was published here until 2026-09-15. It was withdrawn because it discriminated too weakly to be the instrument — 44.7% of every pair of apps tied — and because a single number is a verdict where a count is an observation. What publishes instead is a row of measurements, each of which says what was counted and, where we could not look, says that instead.
Findings under One source only are real reports we do not stand behind as findings. They are shown because withholding them entirely would hide a genuine complaint, and labelled because publishing them as charges would be an accusation off a single source.
Several measurements above say “Not assessed” because no artefact we hold can answer them. A human review is what resolves those — and it can remove a favourable band as easily as add one.
Hands-on inspections are not yet open.