MozaikaDesign system

Monarch Money — Design System

light · modern · medium · tailwind · confidence 92% · deep decode

Monarch gives personal finance an editorial calm: Copernicus serif at 48px on a precise 350 weight — lighter than book, warmer than light — over linen #F6F5F3, with ABC Oracle at 18px in the working text. Sankey flows and budget dashboards supply the color; a single tangerine #FF692D full-pill CTA supplies the push. Money software that reads like a well-designed annual report for your life.

Open in Mozaika →

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

Tokens

Monarch Money's decoded design system: background #F6F5F3, text #22201D, accent #FF692D, link #F35B16, 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

RoleValue
bg#F6F5F3
surface#E9E8E6
border#D6D5D2
text#22201D
text_muted#72706E
primary#FF692D
accent#FF692D
link#F35B16
secondary#9499AD
button_bg#FF692D
button_text#FEFCFB

Using these colors

Typography

Spacing

Radii

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)

Motion

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

Native design tokens

TokenValue
--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

…and 110 more measured on the page.

Button states (measured)

Layout (measured)

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)

Per-section tokens (12)

Export: DESIGN.md

# Monarch Money — Design System

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

Monarch gives personal finance an editorial calm: Copernicus serif at 48px on a precise 350 weight — lighter than book, warmer than light — over linen #F6F5F3, with ABC Oracle at 18px in the working text. Sankey flows and budget dashboards supply the color; a single tangerine #FF692D full-pill CTA supplies the push. Money software that reads like a well-designed annual report for your life.

## Colors

| Role | Value |
|------|-------|
| bg | `#F6F5F3` |
| surface | `#E9E8E6` |
| border | `#D6D5D2` |
| text | `#22201D` |
| text_muted | `#72706E` |
| primary | `#FF692D` |
| accent | `#FF692D` |
| link | `#F35B16` |
| 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** `#F35B16` — inline text links and link-styled controls.
- **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.

---

> **Decoded with Mozaika** — measured live, not guessed. Full decoded design system + one-command install: mozaika.design/ds/monarch-money

Export: Tailwind v4 (@theme)

@theme {
  /* action color #FF692D — the one interactive color; buttons/links/emphasis only, never large fills. */
  --color-bg: #F6F5F3;
  --color-surface: #E9E8E6;
  --color-border: #D6D5D2;
  --color-text: #22201D;
  --color-text-muted: #72706E;
  --color-primary: #FF692D;  /* primary brand / action color. */
  --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. */
  --color-link: #F35B16;  /* inline text links and link-styled controls. */
  --color-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. */
  --color-button-bg: #FF692D;  /* primary-button fill — the main call-to-action color. */
  --color-button-text: #FEFCFB;
  /* fonts: Copernicus may be proprietary — safe free fallback: Newsreader (Google Fonts). ABC Oracle may be proprietary — safe free fallback: Newsreader (Google Fonts). */
  --font-heading: "Copernicus", "Newsreader", system-ui, -apple-system, 'Segoe UI', sans-serif;
  --font-body: "ABC Oracle", "Newsreader", system-ui, -apple-system, 'Segoe UI', sans-serif;
  /* measured weights: 100, 350, 400, 500, 700 — use these, not 400/600 */
  --text-hero: 48px; --font-weight-hero: 350; --leading-hero: 58px; --tracking-hero: -3.2px;
  --text-h2: 40px; --font-weight-h2: 350; --leading-h2: 48px; --tracking-h2: -2.4px;
  --text-h3: 32px; --font-weight-h3: 350; --leading-h3: 38px; --tracking-h3: -1.6px;
  --text-body: 18px; --font-weight-body: 350; --leading-body: 25px; --tracking-body: -0.18px;
  --text-small: 16px; --font-weight-small: 350; --leading-small: 21px; --tracking-small: -0.16px;
  --text-eyebrow: 14px; --font-weight-eyebrow: 500; --tracking-eyebrow: 0.7px;
  --radius-base: 6px;
  --radius-button: 9999px;
  --radius-card: 12px;
  --radius-pill: 9999px;
  --shadow-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;
  --shadow-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;
  --color-btn-hover: #F35B16;  /* measured primary hover fill */
  --shadow-focus: 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;  /* measured focus ring */
  --ease-brand: cubic-bezier(0.075, 0.82, 0.165, 1);
  --duration-fast: 300ms;  /* use: duration-[var(--duration-fast)] */
  --duration-base: 1500ms;
  --duration-slow: 2000ms;
  --section-y: 64px;  /* per-section vertical padding (measured) */
  --spacing: 8px;  /* measured base — drives the p-*/gap-* scale. steps seen on the page: 6, 8, 12, 16, 20, 24, 32, 40, 48, 64px */
}

Export: CSS variables

:root {
  /* action color #FF692D — the one interactive color; buttons/links/emphasis only, never large fills. */
  --bg: #F6F5F3;
  --surface: #E9E8E6;
  --border: #D6D5D2;
  --text: #22201D;
  --text-muted: #72706E;
  --primary: #FF692D;  /* primary brand / 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: #F35B16;  /* inline text links and link-styled controls. */
  --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. */
  --button-bg: #FF692D;  /* primary-button fill — the main call-to-action color. */
  --button-text: #FEFCFB;
  --font-heading: "Copernicus", "Newsreader", system-ui, -apple-system, 'Segoe UI', sans-serif;
  --font-body: "ABC Oracle", "Newsreader", system-ui, -apple-system, 'Segoe UI', sans-serif;
  --text-hero: 48px; --weight-hero: 350; --leading-hero: 58px; --tracking-hero: -3.2px;
  --text-h2: 40px; --weight-h2: 350; --leading-h2: 48px; --tracking-h2: -2.4px;
  --text-h3: 32px; --weight-h3: 350; --leading-h3: 38px; --tracking-h3: -1.6px;
  --text-body: 18px; --weight-body: 350; --leading-body: 25px; --tracking-body: -0.18px;
  --text-small: 16px; --weight-small: 350; --leading-small: 21px; --tracking-small: -0.16px;
  --text-eyebrow: 14px; --weight-eyebrow: 500; --tracking-eyebrow: 0.7px;
  --radius: 6px;
  --radius-button: 9999px;
  --radius-card: 12px;
  --radius-pill: 9999px;
  --shadow-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;
  --shadow-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;
  --btn-bg-hover: #F35B16;
  --focus-ring: 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;
  --ease: cubic-bezier(0.075, 0.82, 0.165, 1);
  --duration-fast: 300ms;
  --duration-base: 1500ms;
  --duration-slow: 2000ms;
  --section-y: 64px;
}

/* their own tokens, verbatim from the site's :root */
:root {
  --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;
}
/* fonts: Copernicus may be proprietary — safe free fallback: Newsreader (Google Fonts). ABC Oracle may be proprietary — safe free fallback: Newsreader (Google Fonts). */