Default categories


Categories are how Monarch organizes similar transactions together. They are similar to folders or envelopes as a concept. Every transaction in Monarch can be assigned to only 1 category and each category can have a planned budget amount for the month to track progress against.

By default Monarch comes with a list of system categories that are the most typically used. These are things such as groceries, restaurants, shopping etc - see below for the full list. Any new transactions will be automatically placed in a system category when possible and Monarch is always learning and improving which transactions belong in which default system category.

We recommend using default categories as much as possible instead of creating custom categories that are similar to the default ones. You can edit the names and emoji's to better suit your style.

You can also create Custom Categories which Monarch will not automatically place any transactions into. Instead you can create Transaction Rules to manually decide which transactions belong in each category.


Removing Default Categories

Default categories can be disabled but not deleted. Disabling does effectively the same thing as deleting since they will be removed everywhere in Monarch. But they can still be found in the settings screen in case you want to re-enable them in the future:


A good place to start is by reviewing and disabling default categories that may not apply to you. Common categories that are situational are:

  • Housing: Disable rent and renters insurance if you own a home with a mortgage or disable mortgage and homeowner insurance if you rent.
  • Auto & Transport: If you don't own a car you can disable most of these but keep taxi & ride sharing and public transportation
  • Children: This whole group of 3 categories can be disabled if you don't have kids
  • Business: This whole group of 9 categories can be disabled if you don't have business expenses. You can also disable the business income category.

View or edit default Categories by selecting Your Name > Categories located here or in the mobile app under Settings > Categories.

Default Categories


  • Paychecks
  • Interest
  • Business Income


  • Gifts & Donations
    • Charity
    • Religious Donations
    • Gifts
  • Auto & Transport
    • Auto Payment
    • Public Transportation
    • Gas
    • Maintenance
    • Parking
    • Auto Insurance
    • Taxi & Ride Sharing
  • Housing
    • Mortgage
    • Rent
    • Home Improvement
    • Homeowner Insurance
    • Renters Insurance
    • Lawn & Garden
  • Bills & Utilities
    • Garbage
    • Water
    • Gas & Electric
    • TV & Internet
    • Phone
  • Food & Dining
    • Groceries
    • Restaurants
    • Coffee Shops
  • Travel & Lifestyle
    • Travel & Vacation
    • Entertainment & Recreation
    • Personal
    • Pets
    • Fun Money
    • Subscriptions
  • Shopping
    • Shopping
    • Clothing
    • Furniture & Housewares
    • Computers & Electronics
  • Children
    • Child Education
    • Child Care
    • Child Activities
  • Education
    • Student Loans
    • Tuition
    • Books & Supplies
  • Health & Wellness
    • Medical
    • Dentist
    • Fitness
    • Health Insurance
  • Financial
    • Life Insurance
    • Loan Repayment
    • Financial Fees
    • Cash & ATM
  • Other
    • Uncategorized
    • Check
    • Miscellaneous
  • Business
    • Advertising & Promotion
    • Business Utilities & Communication
    • Employee Wages & Contract Labor
    • Business Travel & Meals
    • Business Auto Expenses
    • Business Insurance
    • Legal & Professional
    • Office Supplies & Expenses
    • Office Rent
  • Taxes
    • Federal Income Tax
    • State Income Tax
    • Property Tax


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