How to Export Transactions from Monarch Money (2026 Verified Walkthrough)

Monarch makes exporting your transaction history easy — which matters because the data belongs to you, and you might want it for tax prep, a year-end review, or because you're thinking of switching budgeting tools and want to take your history with you. Here's the verified workflow.

The fast answer

To export all transactions from Monarch:

1. Open Monarch on web (app.monarchmoney.com) — exports happen on web, not mobile.
2. Go to Settings → Data.
3. Click Download Transactions.
4. A CSV downloads to your device.

To export transactions from a specific account:

1. Go to Accounts and click the account name
2. Click Edit in the top right
3. Click Download transactions
4. CSV downloads

Important limit: Per Monarch's documentation, downloads are capped at 10,000 transactions per export, but Monarch recommends keeping each download to 5,000 or fewer to avoid errors.

Step-by-step: full transaction export

1. Sign in at app.monarchmoney.com (the export feature is web-only — there's no equivalent in the iOS or Android app yet).
2. Click your profile icon at the top right → Settings.
3. In the left settings menu, click Data.
4. Click Download Transactions.
5. A CSV file generates and downloads automatically. The default filename is something like monarch-transactions-export-YYYYMMDD.csv.
6. Per Monarch's tip, rename the file to something more descriptive (e.g., monarch-2026-Q1-export.csv) so you can find it later.

The CSV columns include: date, merchant, original description, amount, category, account, notes, and tags.

Step-by-step: per-account export

If you only want one account's transactions (useful for itemizing a single credit card for tax prep, for example):

1. Go to Accounts in the left navigation
2. Click the account name to open its detail view
3. Click Edit at the top right
4. In the edit modal, click Download transactions
5. CSV downloads with that account's transactions only

The per-account export uses the same column schema as the full export, so both formats import cleanly into Excel, Google Sheets, or another budgeting app.

What's in the CSV

The Monarch CSV export typically includes these columns (verified against Monarch's documentation and our own test exports):

• Date — Transaction post date in YYYY-MM-DD format
• Merchant — Cleaned merchant name (Monarch's enriched version)
• Original Description — The raw bank-level description before Monarch cleaned it up
• Amount — Negative for expenses, positive for income (treats the cardholder perspective consistently)
• Category — The Monarch category you assigned (or auto-categorized)
• Account — Which account the transaction came from
• Notes — Any notes you added to the transaction
• Tags — Custom tags you applied

Pending transactions are not exported by default — only posted ones. If you need a real-time snapshot including pending, you'll need the per-account view in the app itself.

Filtering before you export

If you want a slice of transactions rather than the whole set (e.g., just 2026, or just one category), the cleanest approach:

1. Go to Transactions in the left navigation
2. Apply filters (date range, category, account, merchant, amount range)
3. The export uses the currently filtered set, so you'll get exactly what you can see on screen

Combined with the per-account export, this is how to get tax-relevant slices without manually trimming a 10,000-row CSV after the fact.

What about exporting Reports or Cash Flow data?

Monarch's Reports feature (paid Core only) lets you build custom views — spending by category over time, income vs expenses by month, net worth trajectory, etc. Reports themselves don't export as CSV; they're meant to be viewed in-app.

Workaround: Apply the same filters in Reports, then go back to Transactions, apply matching filters there, and export. The data is the same, just in row form instead of summarized.

The Sankey diagram and dashboard charts don't export at all — they're visualization-only. If you need the underlying data for a presentation, screenshot the chart and export the underlying transactions separately.

Hitting the 10,000-row limit

Per Monarch's documentation: "Downloads are limited to 10,000 transactions each, but we recommend downloading 5K or fewer at a time to avoid errors."

For most users, a single year of transactions across all accounts comes in well under 5,000. But if you're doing a multi-year export or have a high-volume credit card with hundreds of small charges, you'll hit the limit.

Workaround for multi-year exports:

1. Use date filters to export year by year (or quarter by quarter)
2. Save each export with a descriptive filename
3. Concatenate the CSVs in Excel/Sheets (=IMPORTRANGE in Sheets, or just paste-append in Excel)

This is the same approach you'd use to import into a tool that needs full history — break the export into chunks, then reassemble.

What you can NOT export

• Goal balances and history — Goals are tracked separately and don't export to CSV
• Recurring item metadata — The Recurring view's predicted next-charge dates aren't exported
• Manual investment holdings details — You get the account-level summary but not per-holding breakdowns
• Net worth time series — The chart on the dashboard isn't downloadable as data

For most users this isn't a problem. But if you're switching to another tool and need to recreate everything, plan to manually rebuild Goals and Recurring tracking on the new platform.

How Monarch's data export compares

Monarch's export is solid — the 10K row cap rarely matters for individual users, and the per-account export is the feature most users actually want for tax prep. The only caveat is that exports are web-only; if you need a CSV from your phone, you have to find a desktop browser.

Common questions

Can I export to formats other than CSV?

No. CSV is the only supported export format. If you need Excel-specific formatting (.xlsx), open the CSV in Excel and save-as.

How often should I back up my Monarch data?

Quarterly is typical. Year-end is essential if you do tax prep or year-over-year analysis. Some power users export monthly as a safety net — Monarch's data is reliable but having a local CSV means you're not dependent on continued service for historical reference.

Does Monarch keep my data forever?

As long as your subscription is active, yes. Per Monarch's policies, when a subscription is canceled, you retain access for the remainder of the paid term. After that, account data is retained per Monarch's privacy policy — exports first if you want to keep history.

Can I import the CSV back into Monarch?

You can import CSV transactions into Monarch (covered in their "Importing Transaction History Manually" article), but the format requirements are specific. The CSV that Monarch exports is not the same format as what Monarch imports. If you need to re-import history (e.g., after switching aggregator providers and losing transaction history), follow the import format requirements — this is an Excel template Monarch publishes in the help article.

Can my partner export shared data?

Yes — both partners on a Shared Views household can export. Each partner's export is filtered to whatever they have visibility into.

What if my export file looks corrupted or has missing data?

Try downloading a smaller chunk (filter to a single account or a 6-month window). The 10K limit is the most common cause; encoding issues sometimes hit Excel users on Windows (open the CSV in Sheets first to verify).

Related reading:

• Monarch Money Review 2026
• Is Monarch Money Worth It?
• How to Connect Bank Accounts to Monarch
• How to Create a Budget in Monarch
• How to Track Expenses in Monarch
• How to Cancel Monarch Subscription
• Monarch vs YNAB
• Best Mint Alternatives in 2026

Not financial, legal, or tax advice. We earn a commission if you sign up for Monarch through a link on this page; the price is the same and the editorial content is unaffected. Every step verified against Monarch's official Help Center documentation as of May 7, 2026.