Budgeting comparison
Copilot Money vs Monarch Money
Updated
Data as of
Copilot Money checked Monarch Money checked
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Copilot Money
Budgeting app
Visit site for Copilot Money (opens in a new tab)
Monarch Money
Budgeting app
Visit site for Monarch Money (opens in a new tab)
Short answer
- Pick Copilot Money if you want the lower yearly price ($95, compared with $99.99) or an app for Mac.
- Pick Monarch Money if you want a separate login for your partner or an app for Android.
- The biggest difference is partner logins: Monarch Money's source says yes, and Copilot Money's says no.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Copilot Money vs Monarch Money at a glance
- Copilot Money
- Price
- $13a month
- Free trial
- Yeslength not listed
- Rating
- 4.8 of 5App Store, 30,895 ratings
- Platforms
- 4iPhone, iPad, Mac, Web
- Monarch Money
- Price
- $14.99a month
- Free trial
- 7 days
- Rating
- 4.9 of 5App Store, 116,791 ratings
- Platforms
- 3Web, iOS, Android
What it costs
- Copilot MoneyLower price
$13a month
Copilot Money costs $13 a month, or $95 a year billed yearly.
$95 a year at the yearly list price, or $285 over 3 years, before tax.
Source
copilot.money, checked . - Monarch Money
$14.99a month
Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.
$99.99 a year at the yearly list price, or $299.97 over 3 years, before tax.
Source
monarch.com/pricing, checked .
Bars compare each app's yearly list price. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer.
Features
| Feature | Copilot Money | Monarch Money |
|---|---|---|
| AI features | Yes | Yes |
| Savings goals | Yes | Yes |
| Shared budgets | Shared login: you both sign in to the same account | Yes |
| Investment tracking | Yes | Yes |
| Data export | Yes | Yes |
Monarch Money also lists API or MCP access.
Sources for these features
Yes means the official site lists it. No means the official site says the app doesn't have it. Shared login means you both sign in to the same account, with no separate partner login.
- Copilot Money: copilot.money, checked Nov 3, 2026.Savings goals: Savings goals with a target amount, tracked by target date or monthly contribution. help.copilot.money/en/articles/11100462-creating-new-goals, checked Nov 3, 2026.Shared budgets: Shared login only: your partner signs in to your same account. There is no separate partner login. help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner, checked Nov 3, 2026.Data export: Transaction export as a spreadsheet on iOS, iPadOS, macOS and web. help.copilot.money/en/articles/5944414-exporting-your-transaction-data, checked Nov 3, 2026.
- Monarch Money: monarch.com/pricing, checked Nov 3, 2026.Data export: CSV download of transaction and balance history, on the web. help.monarch.com/hc/en-us/articles/15526600975764-Downloading-Transaction-or-Account-History, checked Nov 3, 2026.API or MCP: Official MCP connector (server https://api.monarch.com/mcp) for Claude, ChatGPT, Cursor and Gemini CLI; read access, writes with permission. Finicity data not available through it. help.monarch.com/hc/en-us/articles/50207234679956-Monarch-MCP-Connector, checked Nov 3, 2026.
Copilot Money and Monarch Money, side by side
| Detail | Copilot Money | Monarch Money |
|---|---|---|
| Free trialDiffers | Copilot MoneyCopilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length. Sourcecopilot.money, checked . | Monarch MoneyMonarch offers a free 7-day trial, and you need a payment method to start it. Sourcemonarch.com/pricing, checked . |
| PlatformsDiffers | Copilot MoneyCopilot Money lists iPhone, iPad, Mac and Web. Sourcecopilot.money, checked . | Monarch MoneyMonarch Money lists Web, iOS and Android. Sourcemonarch.com, checked . |
| Bank syncingDiffers | Copilot MoneyYes. Copilot Money says it works with multiple data aggregators, starting with Plaid, so connected accounts update automatically. You can also add manual accounts. | Monarch MoneyYes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions. Sourcemonarch.com, checked . |
| App store ratingDiffers | Copilot MoneyCopilot Money has 4.8 out of 5 on the App Store from 30,895 ratings. SourceApp Store listing, checked . | Monarch MoneyMonarch Money has 4.9 out of 5 on the App Store from 116,791 ratings. SourceApp Store listing, checked . |
Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps and compare up to four side by side.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Home
Copilot Money
App Store marketing imageApp Store image with the headline "Private. Safe. Smart." showing the Copilot dashboard in dark mode.App Store listing, as of 
App Store marketing imageThe dashboard: $477 left of $4,120 budgeted with a line chart, a To Review list and round budget icons.App Store listing, as of
Monarch Money
From Monarch Money's help centerA Customize dashboard dialog with toggles for widgets such as Getting started guide, Investments, Budget, Net worth and Spending trend.help.monarch.com, as of
Accounts
Copilot Money
From Copilot Money's help centerA Connections needing attention card listing accounts with Reverify and Sign in buttons.help.copilot.money, as of
Monarch Money
App Store marketing imageApp Store image with the headline "Your entire financial life. One clear view." showing the Accounts screen with a net worth chart and account rows.App Store listing, as of 
App Store marketing imageThe Accounts screen: net worth of $748,606 with a line chart, time range buttons and Cash account rows.App Store listing, as of
Transactions
Copilot Money
From Copilot Money's help centerThe Transactions tab with transactions grouped by day, each with a category tag and amount.help.copilot.money, as of 
From Copilot Money's help centerA transaction detail for Sweetgreen at $18.56 with its category and buttons for Split, Recurring, Tag and Goal.help.copilot.money, as of 
App Store marketing imageA To Review card listing two transactions with category tags and a Mark as Reviewed button.App Store listing, as of 
From Copilot Money's help centerA To Review card listing several transactions with category tags and a Mark as Reviewed button.help.copilot.money, as of
Monarch Money
App Store marketing imageApp Store image with the headline "Review transactions with a swipe." showing a transaction review card for Peloton with a "Marked as Reviewed" card over it.App Store listing, as of
Budget
Copilot Money
App Store marketing imageApp Store image with the headline "Budgets that make sense for you." showing a September in review screen with a Budgets list.App Store listing, as of 
App Store marketing imageA September in review screen: $629 under total budget and categories like Rent, Car and Groceries with amounts over or under.App Store listing, as of 
From Copilot Money's help centerThe Categories tab with spent and budget totals, a ring chart and category rows with budget bars.help.copilot.money, as of 
App Store marketing imageA row of five round category icons with amounts under or over budget.App Store listing, as of 
App Store marketing imageCategory pills such as Rent, Car, Groceries, Restaurants, Clothing and Entertainment with small up or down amounts.App Store listing, as of
Monarch Money
App Store marketing imageApp Store image with the headline "A budget that flexes with your life" showing the June Budget screen.App Store listing, as of 
App Store marketing imageThe June Budget screen: $4,640 left to budget, then Income, Expenses and Goals bars and an Income table.App Store listing, as of 
From Monarch Money's help centerThe mobile January 2026 budget with Left to budget at the top and Income and Expenses tables.help.monarch.com, as of 
App Store marketing imageThree budget bars for Income, Expenses and Goals, each with spent or contributed and remaining amounts.App Store listing, as of 
From Monarch Money's help centerA green card reading $5,220 Left to budget.help.monarch.com, as of 
From Monarch Money's help centerBudget rows under Bills & Utilities and Food & Dining with budget, actual and remaining columns and progress bars.help.monarch.com, as of
Categories
Copilot Money
App Store marketing imageApp Store image with the headline "Spending categorization, powered by AI." showing a transaction and a Subscriptions category screen.App Store listing, as of 
App Store marketing imageA Subscriptions category screen with a $270 budget for all months and a monthly bar chart.App Store listing, as of 
From Copilot Money's help centerA Rent category detail with a monthly bar chart, key metrics and the recurring payment tied to it.help.copilot.money, as of
Monarch Money
No official screen found yet
Goals
Copilot Money
From Copilot Money's help centerThe savings goals list with Active goals like Rainy Day, College and Vacation and a Ready to spend section.help.copilot.money, as of
Monarch Money
App Store marketing imageApp Store image with the headline "Track progress on your biggest goals" showing a Vacation goal with amounts saved and a timeline chart.App Store listing, as of 
App Store marketing imageThe Vacation goal screen: $3,000.00 of $6,000.00, four amount tiles and a stepped timeline chart.App Store listing, as of 
From Monarch Money's help centerAn Allocate funds dialog moving $2,000 from Joint Checking to an Emergency fund goal.help.monarch.com, as of 
From Monarch Money's help centerA card showing $91,336.27 available for goals, two accounts, and Allocate funds and Edit goal accounts buttons.help.monarch.com, as of
Reports and insights
Copilot Money
App Store marketing imageApp Store image with the headline "Cash flow tracking at your fingertips." showing the Cash flow tab with Net income and Spend charts.App Store listing, as of 
App Store marketing imageThe Cash flow tab: net income of $15,566.93 with a monthly bar chart and a Spend card below.App Store listing, as of
Monarch Money
App Store marketing imageApp Store image with the headline "See where every dollar flows" showing a Reports screen with a Sankey cash flow chart.App Store listing, as of 
App Store marketing imageThe Reports screen with Cash Flow, Spending and Income tabs and a Sankey chart from income into categories like Housing and Food & Dining.App Store listing, as of 
From Monarch Money's help centerThe web Reports Cash Flow view with income, expense and net totals and a bar chart by month.help.monarch.com, as of
Bills and recurring
Copilot Money
App Store marketing imageApp Store image with the headline "Never lose track of subscriptions." showing the Recurrings tab.App Store listing, as of 
App Store marketing imageThe Recurrings tab: $40 left to pay and $2,718 paid so far, a grid of this month's bills and an In the Future list.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Light mode, when you need it." showing the Recurrings tab in light mode.App Store listing, as of 
App Store marketing imageThe Recurrings tab in light mode with the same bills grid and an In the Future list.App Store listing, as of 
From Copilot Money's help centerThe Recurrings tab from the help center with a grid of this month's bills and an In the Future section.help.copilot.money, as of 
App Store marketing imageA grid of recurring items such as Spotify, Rent, Car Payment, Water and Insurance with amounts and due days.App Store listing, as of 
From Copilot Money's help centerA Spotify recurring detail card with the amount range, frequency and next payment of $9.99.help.copilot.money, as of
Monarch Money
App Store marketing imageApp Store image with the headline "Spot every subscription. Cut what you don't need." showing Complete and Upcoming bill cards.App Store listing, as of 
App Store marketing imageTwo cards: Complete bills like Apple Card and Mortgage, and Upcoming charges like Netflix, Disney+ and Peloton with due dates.App Store listing, as of 
From Monarch Money's help centerA monthly calendar with colored dots under the days that have recurring items.help.monarch.com, as of
Investments
Copilot Money
From Copilot Money's help centerA holding detail for Microsoft Corp with a price chart, metrics and positions.help.copilot.money, as of
Monarch Money
App Store marketing imageApp Store image with the headline "Investments, accounts, net worth - all connected." showing the Investments screen with a portfolio chart.App Store listing, as of 
App Store marketing imageThe Investments screen: a $270,239.50 portfolio value and a chart comparing the portfolio with the S&P 500.App Store listing, as of
Sharing with a partner
Copilot Money
No official screen found yet
Monarch Money
App Store marketing imageApp Store image with the headline "Manage money together. No drama." showing a photo of a family with cards for Shared, Melanie and Jon and two account rows.App Store listing, as of 
From Monarch Money's help centerThe web Transactions page with a transaction open and an Owner menu offering Shared, Jon and Melanie.help.monarch.com, as of 
App Store marketing imageAn owner switcher with Shared, Melanie and Jon, above a Net Worth card with a joint checking and a savings account.App Store listing, as of 
From Monarch Money's help centerA credit card list where each card has owner avatars and a balance.help.monarch.com, as of
AI assistant
Copilot Money
No official screen found yet
Monarch Money
From Monarch Money's help centerThe AI Assistant panel on the web with past chats on the left and suggested questions like "How much did I spend on coffee last month?"help.monarch.com, as of
Other screens
Copilot Money
App Store marketing imageApp Store image with the headline "Your finances. At a glance." showing a Checking card and a Food & Drink card.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Human support along the way" showing an in-app help screen with Messages, Help and a search box.App Store listing, as of 
App Store marketing imageThe help screen: "How can we help?", Messages, Send us a message and a list of help articles.App Store listing, as of
Monarch Money
No official screen found yet
Who it's for
Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Copilot Money: Copilot Money costs $13 a month, or $95 a year billed yearly.
Source
copilot.money, checked .Monarch Money: Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.
Source
monarch.com/pricing, checked .Does it connect to my bank and import transactions?
Copilot Money: Yes. Copilot Money says it works with multiple data aggregators, starting with Plaid, so connected accounts update automatically. You can also add manual accounts.
Monarch Money: Yes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions.
Source
monarch.com, checked .Can I export my data?
Copilot Money: Yes. You can export your data.
Source
In their words: “Copilot allows you to export all of your transaction data as a spreadsheet on iOS, iPadOS, macOS and Web.” help.copilot.money/en/articles/5944414-exporting-your-transaction-data, checked .Monarch Money: Yes. You can export your data.
Source
In their words: “You can download your transaction and balance history from Monarch as a CSV file for your own records, for taxes, or to use in a spreadsheet.” help.monarch.com/hc/en-us/articles/15526600975764-Downloading-Transaction-or-Account-History, checked .Is there support from the app's makers if I need help?
Copilot Money: Yes. In-app chat and email.
Source
In their words: “Still have questions? Contact us in the app or at support@copilot.money.” help.copilot.money/en, checked .Monarch Money: Yes. In-app help (instant answer) and support ticket.
Source
In their words: “Click Contact Support to get an instant answer or submit a ticket.” help.monarch.com/hc/en-us/articles/19985735202068-Monarch-FAQs, checked .
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Copilot Money: No. Your partner signs in to your same account.
Source
In their words: “On the next screen, have them enter the email address associated with your Copilot account.” help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner, checked .Monarch Money: Yes. Your partner gets their own login.
Source
In their words: “Partners will each have their own login, but can view each other's data and contribute their own accounts and transactions to a shared space.” monarch.com/features/collaboration, checked .Can we keep shared and individual views?
Copilot Money: Yes. You can keep shared and individual views.
Source
In their words: “Custom Category Groups: You can create a group of categories for each individual to manage their own budget.” help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner, checked .Monarch Money: Yes. You can keep shared and individual views.
Source
In their words: “Shared Views allows you to assign ownership to accounts and transactions, making it simple to personalize what you see without losing sight of the bigger picture.” help.monarch.com/hc/en-us/articles/42228648365076-Shared-Views-in-Monarch, checked .
Family
Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.
Does it have accounts or features for kids or teens?
Copilot Money: No.
Source
In their words: “THE SERVICE IS NOT FOR PERSONS UNDER THE AGE OF 18” copilot.money/terms-of-service, checked .Monarch Money: No.
Source
In their words: “if you are under the age of 18, please do not attempt to register for the Services” monarch.com/terms, checked .
Freelancer
Paid on an uneven schedule or running a side hustle? Here's what each app offers. See apps with a SEP IRA or Solo 401(k).
Can I mix business and personal expenses in this app?
Copilot Money: Yes. You can track business spending next to personal spending.
Source
In their words: “You can use Tags to track business spending instead of using separate categories.” help.copilot.money/en/articles/10760959-separating-business-and-personal-spending, checked .Monarch Money: Yes. You can track business spending next to personal spending.
Source
In their words: “Business tracking is available to Monarch Plus members.” help.monarch.com/hc/en-us/articles/48344411171092-Business-Tracking, checked .
Business
Running a small business? Here's what each app says about business money.
Can I mix business and personal expenses in this app?
Copilot Money: Yes. You can track business spending next to personal spending.
Source
In their words: “You can use Tags to track business spending instead of using separate categories.” help.copilot.money/en/articles/10760959-separating-business-and-personal-spending, checked .Monarch Money: Yes. You can track business spending next to personal spending.
Source
In their words: “Business tracking is available to Monarch Plus members.” help.monarch.com/hc/en-us/articles/48344411171092-Business-Tracking, checked .Can I share my finances with my accountant?
Copilot Money: Yes. You can export your data and send the file.
Source
In their words: “Copilot allows you to export all of your transaction data as a spreadsheet on iOS, iPadOS, macOS and Web.” help.copilot.money/en/articles/5944414-exporting-your-transaction-data, checked .Monarch Money: Yes. You can export your data and send the file.
Source
In their words: “You can download your transaction and balance history from Monarch as a CSV file for your own records, for taxes, or to use in a spreadsheet.” help.monarch.com/hc/en-us/articles/15526600975764-Downloading-Transaction-or-Account-History, checked .
A question shows only when every app here has a current official source that answers it. We only say no when the app's own page does.
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistBoth Copilot Money and Monarch Money list investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderBoth Copilot Money and Monarch Money list goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerBoth Copilot Money and Monarch Money list bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Copilot Money nor Monarch Money feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
What real users say
These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.
What Copilot Money users say
Based on 500 App Store reviews, 4 Reddit posts and 4 Hacker News posts dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.
- Of the 508 reviews and posts we read, 104 mention how easy or hard the app is to use.
- Of the 508 reviews and posts we read, 94 mention the price, fees or the subscription.
- Of the 508 reviews and posts we read, 55 mention customer service or support.
Positive
“I switched to Copilot when Mint shut down. This app is much better than Mint ever was.”
Critical
“App was great until Schwab stopped connecting. Reverification fails. ... Support is completely unhelpful.”
Mixed
“Copilot is great if you just wanna open it and get a “this minute” picture of your money but it could be better.”
Where these come from
- Copilot Money reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for Copilot Money, read Oct 24, 2026. Public search of comments and posts. 7 named the app; we kept 4 where the writer shares their own use of it.
- Reddit search for Copilot Money, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Copilot Money app", posts and comments from after Oct 24 2025. It returned 100, most of them about something else. We kept 2 where the writer shares their own use of the app or a clear opinion of it, plus 2 from another app's search that discuss this app. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for Copilot Money, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Copilot Money app review" from the past year, up to 8 videos. It returned 8. We kept 0 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/mosscollection in r/MoneyDiariesACTIVE on Reddit, Oct 24, 2026.
- u/rayin in r/MoneyDiariesACTIVE on Reddit, Oct 23, 2026.
- u/cailian13 in r/portfolios on Reddit, Oct 21, 2026.
- u/Kooky-Ad-725 in r/MuseAgent on Reddit, Oct 13, 2026.
- arjie on Hacker News, May 16, 2026.
- greedo on Hacker News, Apr 6, 2026.
- exabrial on Hacker News, Feb 9, 2026.
- grvdrm on Hacker News, Nov 22, 2025.
FAQ
How much does Copilot Money cost?
Copilot Money costs $13 a month, or $95 a year billed yearly. We checked this on Nov 3, 2026.
How much does Monarch Money cost?
Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually. We checked this on Nov 3, 2026.
Which is cheaper, Copilot Money or Monarch Money?
The lowest monthly price Copilot Money lists is $13 a month, and the lowest Monarch Money lists is $14.99 a month, so Copilot Money lists the lower monthly price. We checked both on Nov 3, 2026, and plans change, so check both pricing pages before you decide.
Does Copilot Money have a free trial?
Copilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length. We checked this on Nov 3, 2026.
More comparisons
Similar comparisons
Keep comparing
- Read our Copilot Money review.
- See Copilot Money alternatives, closest category first.
- See Monarch Money alternatives, closest category first.
- Browse our guide to the best budgeting apps.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and confidence
- Last checked
- Sourced facts
- 12 facts, each linked and dated
Copilot Money6 sourced facts, last checked Nov 3, 2026
- Price and feescopilot.money, as of Nov 3, 2026
- Free trialcopilot.money, as of Nov 3, 2026
- Platformscopilot.money, as of Nov 3, 2026
- Bank syncinghelp.copilot.money/en/articles/5593601-adding-and-managing-connected-accounts, as of Nov 3, 2026
- Featurescopilot.money, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Monarch Money6 sourced facts, last checked Nov 3, 2026
- Price and feesmonarch.com/pricing, as of Nov 3, 2026
- Free trialmonarch.com/pricing, as of Nov 3, 2026
- Platformsmonarch.com, as of Nov 3, 2026
- Bank syncingmonarch.com, as of Nov 3, 2026
- Featuresmonarch.com/pricing, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.
This is education, not financial advice.
