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内容总结：

【黑五理财软件优惠速递】知名预算管理应用Monarch Money推出年度订阅半价活动，新用户仅需50美元即可获得一年使用权（原价100美元）。优惠码MONARCHVIP需通过官网兑换，移动端暂不支持，且不可与其他优惠叠加。

该应用虽操作界面略复杂，但凭借高度自定义与精细化功能受到好评。主面板集中展示净资产、月度收支对比、待付账单及投资目标等关键数据，支持关联银行账户并自动同步交易记录，同时提供Apple Card等特定账户追踪及车辆估值更新服务。

对于曾使用Mint（已停止服务）的用户，Monarch Money被视为优质替代选择。值得注意的是，另一款热门预算工具Quicken Simplifi同期也推出年度订阅五折优惠，折后首年实付36美元（每月3美元）。两款应用的限时活动为消费者在黑五期间提供了更多理财管理选择。

中文翻译：

黑五大促来袭，热门记账软件 Monarch Money 推出半价优惠！新用户仅需50美元即可畅享全年高级服务。

这款备受我们推崇的预算管理软件恰逢其时地推出了新人专属优惠：结账时使用优惠码MONARCHVIP即可享受年费五折优惠。原价100美元的年费套餐，用码后仅需50美元即可获得12个月使用权。

需要注意以下几点：本优惠仅限新用户使用，不可与其他优惠叠加，且需通过网页端注册兑换，移动端应用暂不支持此优惠码。

虽然我们认为Monarch相比其他记账工具需要更多学习成本，部分功能设计也略显复杂，但其高度自定义功能和精细化管理优势足以弥补这些不足。主控面板清晰展示净资产动态、近期交易记录、月度支出对比、当月收入进度、待付账单明细、投资组合及预设目标。更提供月度财务报告链接，助您深度解析当月资金流向，还能直观追踪净资产历史变化趋势。

该应用支持银行账户关联，可同步苹果信用卡、苹果现金及储蓄账户数据，自动导入交易记录与余额历史，智能识别周期性收支。甚至能实时更新车辆估值。尽管初始设置需要投入时间精力（可能还需局部调整），但这款精细化的预算工具确实能帮您更有效地追踪收入、支出与资产净值。

若您曾是Mint用户（该服务已终止）且尚未找到替代品，Monarch无疑是绝佳选择。值得一提的是，我们首选的Mint替代方案Quicken Simplifi目前也在进行促销活动，年度订阅享五折优惠，折后月费仅3美元，首年合计36美元。

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英文来源：

Black Friday deals include half off one of our favorite budgeting apps
Newcomers can get a year of access to Monarch Money for only $50.
Monarch Money is one of our favorite budgeting apps and, fittingly enough, there's a way for newcomers to save money on a subscription right now. If you use the code MONARCHVIP at checkout, you can get an annual plan for 50 percent off. It typically costs $100, but you can get 12 months of access for $50 with this code.
There are some key caveats here. 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. 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.
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