Budgeting comparison
Copilot Money vs Monarch Money
Updated
Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Copilot Money and Monarch Money are both budgeting apps. Copilot Money costs $13 a month, or $95 a year billed yearly, while Monarch Core costs $14.99 a month, or $99.99 a year billed annually. We checked both on Oct 24, 2026, and the official sources differ on 5 of the 6 rows in the table below.
Copilot Money vs Monarch Money at a glance
Copilot Money and Monarch Money are both budgeting apps. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 5 of the 6 rows in the table below.
Price and fees
Copilot Money costs $13 a month, or $95 a year billed yearly. 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 both on Oct 24, 2026.
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. Monarch offers a free 7-day trial, and you need a payment method to start it. We checked both on Oct 24, 2026.
Platforms
Copilot Money lists iPhone, iPad, Mac and Web. Monarch Money lists Web, iOS and Android. We checked both on Oct 24, 2026.
Bank syncing
Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Monarch Money on Oct 24, 2026.
Features
Both Copilot Money and Monarch Money list AI features. Monarch Money lists goals, shared budgets and investment tracking, which the sources we checked don't confirm for Copilot Money. We checked both on Oct 24, 2026.
App store rating
Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings. Monarch Money has 4.9 out of 5 on the App Store from 115,317 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
What it costs
Copilot MoneyLower price$13a month
Copilot Money costs $13 a month, or $95 a year billed yearly.
$95 a year, from the yearly priceCost over 1 and 3 years: $95 and $285, at the yearly list price before tax.
As of · copilot.money
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, from the yearly priceCost over 1 and 3 years: $99.99 and $299.97, at the yearly list price before tax.
As of · monarch.com/pricing
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.
At a glance
Free trial
- Copilot Money
- Length not listed
- Monarch Money
- 7 days
Source
- 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. copilot.money, as of Oct 24, 2026.
- Monarch offers a free 7-day trial, and you need a payment method to start it. monarch.com/pricing, as of Oct 24, 2026.
App Store rating
- Copilot Money
- 4.830,705 ratings
- Monarch Money
- 4.9115,317 ratings
Source
- Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings. App Store listing, as of Oct 24, 2026.
- Monarch Money has 4.9 out of 5 on the App Store from 115,317 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Copilot Money
- iPhone
- iPad
- Mac
- Web
- Monarch Money
- Web
- iOS
- Android
Source
- Copilot Money lists iPhone, iPad, Mac and Web. copilot.money, as of Oct 24, 2026.
- Monarch Money lists Web, iOS and Android. monarch.com, as of Oct 24, 2026.
Bank syncing
- Copilot Money
- Not verified yet
- Monarch Money
- Yes
Source
- Copilot Money: Not verified yet.
- Yes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions. monarch.com, as of Oct 24, 2026.
Features
| Feature | Copilot Money | Monarch Money |
|---|---|---|
| AI features | Listed by the source | Listed by the source |
| Savings goals | Not verified yet | Listed by the source |
| Shared budgets | Not verified yet | Listed by the source |
| Investment tracking | Not verified yet | Listed by the source |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Copilot Money: copilot.money, as of Oct 24, 2026. Monarch Money: monarch.com/pricing, as of Oct 24, 2026.
What the apps look like
Copilot Money
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026
Screenshots: Copilot Money on the App Store, as of Oct 24, 2026.
Monarch Money
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026 
From the App Store listing, Oct 24, 2026
Screenshots: Monarch Money on the App Store, as of Oct 24, 2026.
Copilot Money and Monarch Money, side by side
Rows marked “Differs” are where the official sources say different things, and 5 rows do here. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick.
Swipe the table sideways to see both apps.
| Field | Copilot MoneyBudgeting appCopilot Money is a paid budgeting and tracking app that uses AI to tag your transactions automatically.Visit Copilot Money's site | Monarch MoneyBudgeting appMonarch Money is a paid app for budgeting and for tracking your accounts, net worth and goals in one place.Visit Monarch Money's site |
|---|---|---|
| Price and feesDiffers | Lower priceCopilot Money costs $13 a month, or $95 a year billed yearly.As of Oct 24, 2026. Source: copilot.money | Monarch Core costs $14.99 a month, or $99.99 a year billed annually. Monarch Plus costs $199.99 a year billed annually.As of Oct 24, 2026. Source: monarch.com/pricing |
| Free trialDiffers | 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.As of Oct 24, 2026. Source: copilot.money | Monarch offers a free 7-day trial, and you need a payment method to start it.As of Oct 24, 2026. Source: monarch.com/pricing |
| PlatformsDiffers | Copilot Money lists iPhone, iPad, Mac and Web.As of Oct 24, 2026. Source: copilot.money | Monarch Money lists Web, iOS and Android.As of Oct 24, 2026. Source: monarch.com |
| Bank syncing | Not verified yet. | Yes. Monarch says it syncs with multiple financial data providers to connect with more than 13,000 financial institutions.As of Oct 24, 2026. Source: monarch.com |
| FeaturesDiffers |
|
|
| App store ratingDiffers | Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings.As of Oct 24, 2026. Source: App Store listing | Monarch Money has 4.9 out of 5 on the App Store from 115,317 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. 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 to this table and compare up to four side by side.
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.
StrategistMonarch Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderMonarch Money lists 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.
ScramblerMonarch Money lists 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 Oct 24, 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 Oct 24, 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 Oct 24, 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 Oct 24, 2026.
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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
- Not verified yet
- 1 of 12 facts
Copilot Money5 of 6 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feescopilot.money, as of Oct 24, 2026
- Free trialcopilot.money, as of Oct 24, 2026
- Platformscopilot.money, as of Oct 24, 2026
- Bank syncingNot verified yet
- Featurescopilot.money, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Monarch Money6 of 6 verified, last checked Oct 24, 2026
- Price and feesmonarch.com/pricing, as of Oct 24, 2026
- Free trialmonarch.com/pricing, as of Oct 24, 2026
- Platformsmonarch.com, as of Oct 24, 2026
- Bank syncingmonarch.com, as of Oct 24, 2026
- Featuresmonarch.com/pricing, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
