Monarch Money — decoded design system

monarchmoney.com · light · modern · tailwind · deep decode — measured live

Monarch Money's design system, decoded live by Mozaika: measured color roles, type scale, buttons with real hover/focus states, motion and the brand's own tokens.

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This is a static, crawlable rendering for search & AI engines. The interactive version — filters, live decode console, copy & export — is at https://mozaika.design/decode/monarchmoney.com.

Decoded design system

Monarch Money's decoded design system: background #F6F5F3, text #22201D, accent #FF692D, link #FEFCFB, primary #FF692D; type scale h1 48px / h2 40px / body 18px; 8px spacing base; 6px base radius. The single interactive/action color is #FF692D — used only on interactive or must-notice elements (buttons, links, key highlights), never on large fills.

Color roles

Using these colors

• Action color #FF692D — the single interactive color; only on things you click or must notice, never large fills.
• primary, accent, button_bg are all #FF692D — one role, not several (the action color).
• accent #FF692D — THE accent / action color — interactive & must-notice only (buttons, links, focus, one key highlight); never large fills or backgrounds. Scarcity is what makes it read as designed.
• link #FEFCFB — fails contrast on the background (~1.1:1) — this is a dark UI color, NOT a readable link; use the text or action color for links (verify against the reference).
• secondary #9499AD — optional secondary accent — LOW decode confidence; use rarely (a status color or a single decorative moment) or omit it entirely. Prefer one accent unless the reference clearly shows two.

Typography

• Heading: Copernicus
• Body: ABC Oracle
• h1: 48px
• h2: 40px
• body: 18px

Spacing

• base unit: 8px
• scale: 6px, 8px, 12px, 16px, 20px, 24px, 32px, 40px, 48px, 64px

Radii

• base: 6px
• button: 9999px

Shadow

rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(34, 32, 29, 0.05) 0px 1px 2px 0px

Shadows (elevation)

• subtle: rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(34, 32, 29, 0.05) 0px 1px 2px 0px
• card: rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(34, 32, 29, 0.075) 0px 4px 6px -1px, rgba(34, 32, 29, 0.075) 0px 2px 4px -2px

Motion

Micro-interactions run at 1500ms (dominant) with cubic-bezier(0.075, 0.82, 0.165, 1).

• durations: 1500ms · 300ms · 2000ms
• easings: cubic-bezier(0.075, 0.82, 0.165, 1) · cubic-bezier(0.4, 0, 0.2, 1)
• animated properties: opacity, background-color, color, stroke

Native design tokens

…and 110 more measured on the page.

Button states (measured)

• primary hover: background #F35B16
• primary focus: box-shadow rgb(251, 250, 248) 0px 0px 0px 2px, rgb(34, 32, 29) 0px 0px 0px 4px, rgba(34, 32, 29, 0.05) 0px 1px 2px 0px · outline 2px solid rgba(0, 0, 0, 0)

Layout (measured)

• container max-width: 1440px
• nav: 108px fixed

Motion choreography (measured)

Load order: div.osano-cm-info-dialog__in → div.osano-cm-window__dialog → button.osano-cm-dialog__close → button.osano-cm-dialog__close → button.osano-cm-dialog__close → button.osano-cm-dialog__close

Scroll reveal: 9 elements rest at opacity 0, animate in over 2s cubic-bezier(0.075, 0.82, 0.165, 1).

Stagger: div ×3 — 80ms apart.

Overlay recipe (measured)

dialog panel: #FFFFFF · radius 8px

Responsive (measured)

• breakpoints: 480px · 640px · 768px · 1024px · 1280px
• mobile (390px): hero 32px · nav hamburger

Install it

Drop this measured system into any shadcn/Tailwind project in one command:

npx shadcn add mozaika.design/r/decode/monarchmoney.com

registry item · or query it over MCP: get_design_system("Monarch Money")

Export: DESIGN.md

# Monarch Money — Design System

> light, modern, medium, tailwind — deep decode (measured live)

## Colors

| Role | Value |
|------|-------|
| bg | `#F6F5F3` |
| surface | `#E9E8E6` |
| border | `#D6D5D2` |
| text | `#22201D` |
| text_muted | `#72706E` |
| primary | `#FF692D` |
| accent | `#FF692D` |
| link | `#FEFCFB` |
| secondary | `#9499AD` |
| button_bg | `#FF692D` |
| button_text | `#FEFCFB` |

**Using these colors**

- **Action color** `#FF692D` — the single interactive color; it appears only on things you click or must notice (buttons, key highlights), never on large fills or backgrounds.
- `primary`, `accent`, `button_bg` are all `#FF692D` — one role, not several (your action color).
- **accent** `#FF692D` — THE accent / action color — interactive & must-notice only (buttons, links, focus, one key highlight); never large fills or backgrounds. Scarcity is what makes it read as designed.
- **link** `#FEFCFB` — fails contrast on the background (~1.1:1) — this is a dark UI color, NOT a readable link; use the text or action color for links (verify against the reference).
- **secondary** `#9499AD` — optional secondary accent — LOW decode confidence; use rarely (a status color or a single decorative moment) or omit it entirely. Prefer one accent unless the reference clearly shows two.
- **Page coverage** (full-page screenshot pixels): `#221E23` 49.8% · `#FFFFFF` 16.4% · `#343238` 14.7% · `#D0CFD0` 11%

## Typography

- Heading: **Copernicus** _(free fallback: Newsreader)_
- Body: **ABC Oracle** _(free fallback: Newsreader)_

| Role | Size / weight · line-height · tracking |
|------|------------------------------------------|
| hero | 48px / 350 · lh 58px · tracking -3.2px |
| h2 | 40px / 350 · lh 48px · tracking -2.4px |
| h3 | 32px / 350 · lh 38px · tracking -1.6px |
| body | 18px / 350 · lh 25px · tracking -0.18px |
| small | 16px / 350 · lh 21px · tracking -0.16px |
| eyebrow | 14px / 500 · tracking 0.7px |

- Weight ladder: 100 · 350 · 400 · 500 · 700 — use these exact measured weights, not the 400/600 defaults.

> **Fonts —** Copernicus may be proprietary — safe free fallback: Newsreader (Google Fonts). ABC Oracle may be proprietary — safe free fallback: Newsreader (Google Fonts).

## Spacing
- base unit: 8px (inferred from the measured scale)
- measured scale: 6px, 8px, 12px, 16px, 20px, 24px, 32px, 40px, 48px, 64px — snap all gaps/padding to these
- section rhythm: 64px top/bottom padding per section (measured)

## Radius
- base: 6px
- button: 9999px
- card: 12px
- pill: 9999px

## Buttons

| Button | Fill / text | Border | Radius | Padding | Font | Shadow |
|--------|-------------|--------|--------|---------|------|--------|
| primary | `#FF692D` / `#FEFCFB` | none | 9999px | 0px 16px 0px 16px | 350 14px | rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(34, 32, 29, 0.05) 0px 1px 2px 0px |
| secondary | `rgba(0, 0, 0, 0)` / `#22201D` | none | 9999px | 8px 12px 8px 12px | 350 14px | none |

**States (measured, not guessed)**

- primary hover: background `#F35B16`
- primary focus: box-shadow `rgb(251, 250, 248) 0px 0px 0px 2px, rgb(34, 32, 29) 0px 0px 0px 4px, rgba(34, 32, 29, 0.05) 0px 1px 2px 0px` · outline `2px solid rgba(0, 0, 0, 0)`
- secondary hover: background `#F6F5F3`
- transition: `color 0.15s cubic-bezier(0.4, 0, 0.2, 1)`

## Shadows (elevation)
- subtle: `rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(34, 32, 29, 0.05) 0px 1px 2px 0px`
- card: `rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(34, 32, 29, 0.075) 0px 4px 6px -1px, rgba(34, 32, 29, 0.075) 0px 2px 4px -2px`
- button: `rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(34, 32, 29, 0.05) 0px 1px 2px 0px`

## Motion
- durations: 1500ms (dominant) · 300ms · 2000ms
- easings: `cubic-bezier(0.075, 0.82, 0.165, 1)` (dominant) · `cubic-bezier(0.4, 0, 0.2, 1)`
- animated properties: opacity, background-color, color, stroke

Micro-interactions use the dominant duration + easing; nothing on the page animates slower than the longest duration above — don't invent springier motion.

## Their own tokens (verbatim from :root)

| Token | Value |
|-------|-------|
| `--gray-1` | `#fbfaf8` |
| `--gray-2` | `#f6f5f3` |
| `--gray-3` | `#efecea` |
| `--gray-4` | `#ebe8e5` |
| `--gray-5` | `#e4e1de` |
| `--gray-6` | `#dcd9d6` |
| `--gray-7` | `#d1cecb` |
| `--gray-8` | `#bebbb8` |
| `--gray-9` | `#8f8c8a` |
| `--gray-10` | `#84827f` |
| `--gray-11` | `#777573` |
| `--gray-12` | `#22201d` |

_…and 108 more measured on the page._

Prefer these names when extending their system — it's the brand's actual vocabulary.

## Layout (measured)
- container max 1440px
- nav: 108px fixed

| Section (y) | Height | Cols | Gap | Pad y | Split |
|---|---|---|---|---|---|
| 0 | 800 | — | — | 0/0 | — |
| 959 | 830 | — | — | 0/0 | — |
| 1805 | 774 | — | — | 0/0 | — |
| 2595 | 2915 | — | — | 0/0 | — |

## Motion choreography (measured)
Load order: `div.osano-cm-info-dialog__in` @0ms → `div.osano-cm-window__dialog` @38ms → `button.osano-cm-dialog__close` @38ms → `button.osano-cm-dialog__close` @38ms → `button.osano-cm-dialog__close` @38ms → `button.osano-cm-dialog__close` @38ms
- stagger: `div` ×3 — 80ms apart
- scroll reveal: 9 elements rest at opacity 0, animate in over 2s cubic-bezier(0.075, 0.82, 0.165, 1) (6 revealed during the drive).
- overlay dialog (auto-opened): panel #FFFFFF · r 8px · border 1px solid rgb(220, 217, 214) · shadow rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(0, 0, 0, 0) 0px 0px 0px 0px, rgba(34, 32, 29, 0.075) 0px 1px 3px 0px, rgba(34, 32, 29, 0.075) 0px 1px 2px -1px

Rebuild the timeline, not just the durations — order, delays and staggers above are the choreography.

## Components (measured)
- link: #FEFCFB · no underline

## Responsive (measured)
- breakpoints: 480px · 640px · 768px · 1024px · 1280px
- mobile (390px): hero 32px · body 16px · nav: hamburger

## How to apply
Paste the Tailwind `@theme` (or CSS variables) as your base, then build each
section to its spec — verify every color, radius, and font against these tokens.
Hover/focus states, shadows and motion timings above are measured from the live page — match them exactly, don't re-guess them.

← All decoded design systems

An automated reading of Monarch Money's publicly-visible CSS (colors, fonts, spacing, motion) — not affiliated with monarchmoney.com. No screenshots stored. Removal requests: hello@mozaika.design.