Monarch Money vs Copilot Money
Which is better in 2026? Five scores, side by side.
Monarch Money is the better app overall, scoring 9.1 to 8.9. Monarch Money wins on 3 of the 5 scores, Copilot Money on 2.
Couples and families who want one shared view of all their money
iPhone and Mac users who want a polished, low-effort spending tracker
Score by score
The details
| Feature | Monarch Money | Copilot Money |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #1 of 12 | #3 of 12 |
| Developer | Monarch Money, Inc. | Copilot Money, Inc. |
| Pricing | Subscription | Subscription |
| Usable for free | No | No |
| iPhone & iPad | ✓ | ✓ |
| Android | ✓ | — |
| Mac | — | ✓ |
| Web | ✓ | ✓ |
Common questions
Is Monarch Money better than Copilot Money?
Monarch Money is the better app overall, scoring 9.1 to 8.9. Monarch Money wins on 3 of the 5 scores, Copilot Money on 2.
Which is cheaper, Monarch Money or Copilot Money?
Monarch Money: 7-day free trial, then $14.99/month or $99.99/year; Monarch Plus is $199.99/year. Copilot Money: 1-month free trial, then $13/month or $95/year. On value for money, Monarch Money scores higher.
Do Monarch Money and Copilot Money work on the same devices?
Only Monarch Money runs on Android. Only Copilot Money runs on Mac.
Which is more private, Monarch Money or Copilot Money?
Copilot Money scores higher on privacy (8.8/10). App Store label links financial info, coarse location, contact info, user content and usage data to you; crash data is not linked. No tracking is declared, and two-factor sign-in arrived in 2026.
Strengths and weaknesses
Monarch Money
- Budgets, investments and net worth live in one place
- Invite a partner at no extra cost, each with their own login
- Frequent, substantial updates, from forecasting to receipts
- No free plan once the 7-day trial ends
- Retirement planning and business tracking need the $199.99 Plus tier
- Bank sync can still break and need a manual fix
Monarch Money is the most complete money app for most households. It links bank, card, loan and investment accounts, then gives you flexible budgets, cash-flow reports, goals and a clear net worth view. Recent updates added an AI assistant, receipt scanning and forecasting, and you can invite a partner at no extra cost. The catch: there is no free plan, and retirement and business planning sit in the pricier Plus tier.
Full Monarch Money review
Copilot Money
- Best-in-class design that makes reviewing spending pleasant
- Categorization improves as you correct it
- Cheaper than Monarch or YNAB at $95 a year
- No Android app, and the web app lacks some native features
- Subscription only, with no free plan
Copilot Money is the best-looking finance app on Apple devices, and now it works in any browser too. It sorts transactions with categorization that learns from your corrections, tracks investments, crypto and recurring bills, and shows where your month is heading at a glance. A beta money assistant suggests fixes that you approve. The catch: there is still no Android app, and no free plan once the trial ends.
Full Copilot Money review
