What are Monarch's transaction categories by default?

Several default Groups and Categories are provided to help you organize your transactions. You can disable these categories if you don't want them, but only custom categories can be deleted.

In addition to the default list, you can create your own custom Groups and Categories.

Tips and Tricks

  • Credit card transactions can be categorized differently depending on your use:
    • The "Transfer" category should be used for credit cards that are already connected to Monarch and used for purchases so the expenses aren't double-counted
    • The "Credit Card" Payment category works best when there is a card not connected to Monarch or when you want to track credit card debt you're paying off
  • Create your own custom categories and groups in web!
  • Move categories to new groups.

Default Categories

Monarch Money comes pre-loaded with default transaction categories that we think will be useful. See any Categories you don't want? Disable them to turn them invisible (only custom categories may be deleted), and move them to another Group if you want to delete the Group they are in (the following gif shows how it's done). 


Deleting Categories

You can delete custom transaction categories from the Manage Categories page on web, but default categories may only be disabled and not deleted. Delete or disable any Categories that you don't want to track separately or aren't relevant to you.

A category named Doctor Reimbursements is shown being deleted with a previous transaction being relabelled to Other Income as a result


Default Category List


๐Ÿ’ต Paychecks
๐Ÿ’ธ Interest
๐Ÿ’ฐBusiness Income

Gifts & Donations

๐ŸŽ— Charity
๐Ÿ™ Religious Donations
๐ŸŽ Gifts

Auto & Transport

๐Ÿš— Auto Payment
๐Ÿšƒ Public Transportation
โ›ฝ๏ธ Gas
๐Ÿ”ง Maintenance
๐Ÿš— Auto Insurance
๐Ÿš™ Taxi & Ride Sharing


๐Ÿ  Mortgage
๐Ÿ  Rent
๐Ÿ”จ Home Improvement
๐Ÿก Homeowner Insurance
๐Ÿก Renters Insurance
๐ŸŒณLawn & Garden

Bills & Utilities

๐Ÿ—‘ Garbage
๐Ÿ’ง Water
โšก๏ธ Gas & Electric
๐ŸŒ TV & Internet

Food & Dining

๐Ÿ Groceries
๐Ÿฝ Restaurants & Bars
โ˜•๏ธ Coffee Shops

Travel & Lifestyle

๐Ÿ Travel & Vacation
๐ŸŽฅ Entertainment & Recreation
๐Ÿ‘‘ Personal
๐Ÿถ Pets
๐Ÿ˜œ Fun Money
๐Ÿ—“ Subscriptions


๐Ÿ‘• Clothing
๐Ÿช‘ Furniture & Housewares
๐Ÿ–ฅComputer & Electronics


๐Ÿ“šChild Education
๐Ÿ‘ถ Child Care
โšฝ๏ธChild Activities


๐ŸŽ“Student Loans
๐Ÿ“šBooks & Supplies

Health & Wellness

๐Ÿ’Š Medical
๐Ÿ’ช Fitness
๐Ÿฅ Health Insurance


๐Ÿ“„ Life Insurance
๐Ÿ’ฐLoan Repayment
๐Ÿฆ Financial Fees
๐Ÿง Cash & ATM


โ“ Uncategorized
๐Ÿ’ธ Check


๐Ÿ” Transfer

๐Ÿ’ณ Credit Card Payment

โš–๏ธ Balance Adjustments


๐Ÿ“ฃ Advertising & Promotion
๐Ÿ“ž Business Utilities & Communication
๐Ÿ’ต Employee Wages & Contract Labor
๐ŸดBusiness Travel & Meals
๐Ÿš– Business Auto Expenses
๐Ÿ“ Business Insurance
๐Ÿ—„ Legal & Professional
๐Ÿ“Ž Office Supplies & Expenses
๐Ÿข Office Rent


๐Ÿฆ Federal Income Tax
๐Ÿฆ State Income Tax
๐Ÿฆ Property Tax


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