Does Monarch Money work with authenticator apps like MS Authenticator App?

Yes. Monarch Money supports TOTP authenticator apps, so you can generate its two-factor codes in MS Authenticator App.

Is Monarch Money two-factor authentication free?

Yes. Enabling authenticator-app 2FA on Monarch Money is free — you only need the free MS Authenticator App.

What if I lose access to my Monarch Money 2FA codes?

Use the backup or recovery codes you saved during setup. If you didn't save them, contact Monarch Money support to regain access, then re-add the account to MS Authenticator App.

How to enable 2FA on Monarch Money

← Monarch Money overview Supported

Monarch Money supports app-based two-factor authentication (2FA). Turning it on adds a second layer of protection, so a stolen password alone can't unlock your Monarch Money account.

Step-by-step setup

1
Sign in to Monarch Money and open your Monarch Money account security settings.
2
Turn on two-factor authentication and choose the authenticator-app option.
Look for "Authenticator app", "Authentication app", or "TOTP" rather than SMS.
3
Scan the QR code with MS Authenticator App.
Open MS Authenticator App, tap add, and point your camera at the QR code Monarch Money displays. Can't scan? Enter the setup key manually instead.
4
Enter the 6-digit code to confirm.
Type the code MS Authenticator App generates to verify and link your Monarch Money account.
5
Save your backup codes.
Store the recovery codes Monarch Money gives you somewhere safe — you'll need them if you lose your phone.

Menu names on Monarch Money can change — the official Monarch Money 2FA documentation ↗ always has the exact, current path.

Frequently asked questions

Does Monarch Money work with authenticator apps like MS Authenticator App?: Yes. Monarch Money supports TOTP authenticator apps, so you can generate its two-factor codes in MS Authenticator App.
Is Monarch Money two-factor authentication free?: Yes. Enabling authenticator-app 2FA on Monarch Money is free — you only need the free MS Authenticator App.
What if I lose access to my Monarch Money 2FA codes?: Use the backup or recovery codes you saved during setup. If you didn't save them, contact Monarch Money support to regain access, then re-add the account to MS Authenticator App.

Generate your Monarch Money codes in MS Authenticator App

Free, offline, and encrypted. One tap for every 6-digit code.

Get the app

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