内容来源：https://www.engadget.com/deals/one-of-our-favorite-budgeting-apps-has-half-off-subscriptions-for-black-friday-174011903.html?src=rss

内容总结：

【财经快讯】黑五大促来袭，知名个人理财应用Monarch Money推出年度订阅半价优惠，新用户仅需50美元即可获得一年使用权，较原价立省50美元。

据悉，此次优惠需通过网页端注册并使用优惠码"MONARCHVIP"方可生效，移动端暂不支持兑换，且仅限新用户使用、不可与其他优惠叠加。

这款预算管理工具以高度自定义和精细化分析见长，主面板可清晰展示净资产动态、月度收支对比、待付账单及投资目标等核心数据，并支持与银行账户、苹果信用卡及储蓄账户同步，自动追踪交易记录与余额变化。尽管操作界面相对复杂，但其提供的资产全景视图与长期趋势分析功能，尤其适合寻求替代Mint应用的资深用户。

值得注意的是，另一热门理财工具Quicken Simplifi同期也推出年度订阅五折活动，折后首年费用为36美元。消费者可结合自身需求，在黑五期间择优选购。

（注：以上价格均为美元计价，具体优惠以平台实际规则为准。）

中文翻译：

我们钟爱的一款预算应用正推出黑色星期五订阅半价活动：新用户仅需50美元即可获得Monarch Money一年使用权。

若您正寻求更高效的财务管理方式，不妨考虑使用预算类应用。当前市场上同类产品众多，而我们特别青睐的一款正为新用户提供专属优惠——通过结账时输入优惠码MONARCHVIP，即可享受Monarch Money年度方案五折优惠。原价100美元的年度服务现立减50美元，实付金额仅为50美元。

需要特别说明的是，此优惠仅限新用户使用且不可与其他活动叠加，同时必须通过网页端注册方可生效，移动端应用内无法兑换优惠码。

尽管我们认为Monarch相比其他预算工具需要更多学习成本，部分功能设计也略显繁复，但其高度自定义功能与精细化管理优势足以弥补这些不足。

在主控制面板中，您可以清晰查看净资产动态、最新交易记录、月度消费对比、当月累计收入、待付账单明细、投资状况及预设目标进度。通过月度复盘页面链接，您还能深入掌握当月的资金流动全景，甚至追溯净资产的历史变化趋势。

该应用支持银行账户对接，可同步追踪Apple Card、Apple Cash及储蓄账户数据，自动导入交易记录与余额历史，智能识别周期性收支。即便需要投入些许时间进行初始设置（可能还需局部微调），这款细节完善的预算应用终将助您更精准地掌控收入、支出与资产动态。

对于仍在寻觅Mint替代方案的用户（Mint已停止服务），Monarch Money无疑是绝佳选择。但值得一提的是，我们首选的Mint替代服务Quicken Simplifi目前也在开展促销：年度订阅享受五折优惠，折后月费仅3美元，首年实付36美元。

【2025黑色星期五专题】
全域优惠汇总 | 购物攻略 | 科技产品特惠 | 沃尔玛折扣专场 | 最佳科技折扣精选 | 亚马逊钜惠 | 任天堂特卖专场 | Target促销集锦 | 流媒体套餐优惠：Sling特惠 | PlayStation折扣专场 | 电视品类促销 | 苹果产品特辑 | Disney+与Hulu捆绑套餐 | 流媒体平台优惠大全

英文来源：

One of our favorite budgeting apps has half off subscriptions for Black Friday
Newcomers can get a year of access to Monarch Money for only $50.
Those looking for a better way to keep track of their finances should consider a budgeting app. There are dozens of them on the market now, and one of our favorites is running a discount for new subscribers. Monarch Money is offering 50 percent off annual plans right now when you use the code MONARCHVIP at checkout. With the typical yearly price being $100, this will save you $50.
As mentioned before, the discount is only for new users and it can't be combined with other offers. The code only works when you sign up through the web as well. You can't redeem it through the Monarch mobile app.
New users of Monarch Money can get a year of access to the in-depth budgeting app for $50.
We feel that Monarch has a steeper learning curve than some other budget trackers and that certain aspects of the app are slightly more complex than they probably need to be. But it offers a great deal of customization and granularity, which outweighs our misgivings.
On the main dashboard, you'll see your net worth along with your latest transactions, spending versus the previous month, your income so far for the month and details about upcoming bills, your investments and goals you've set. There's also a link to a month-in-review page, which offers an in-depth overview of what's been happening with your money that month. You'll also be able to take a peek at how your net worth has changed over time.
Monarch can connect to your bank and track Apple Card, Apple Cash and Savings accounts. It can pull in your transactions and balance history automatically and detect your recurring expenses and income. The app can even keep your car valuation up to date. While it might take a little work to set up Monarch (and you might have to tweak things here and there), it's a detailed budgeting app that can help you keep better track of your income, expenditure and net worth.
If you're a former Mint user (RIP), Monarch Money is a great alternative if you haven't yet found a Mint replacement. But it's worth mentioning that our favorite Mint replacement service, Quicken Simplifi, also has a sale going on right now. It's offering 50 percent off when you sign up for an annual subscription, billed at $3 per month with the discount. That comes out to $36 for the first year.
Black Friday 2025: All Black Friday deals | Black Friday shopping | Black Friday tech deals | Walmart Black Friday deals | Best Black Friday tech deals | Amazon Black Friday deals | Nintendo Black Friday deals | Target Black Friday deals | Black Friday streaming deals: Sling | PlayStation Black Friday deals | Black Friday TV deals | Black Friday Apple deals | Black Friday Disney+ Hulu bundle deal | All Black Friday streaming deals |