Monarch Money vs Copilot Money for budgeting and net worth in 2026
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Key takeaways
- Copilot Money costs $95 a year or $13 a month,1 and Monarch Money costs $99.99 a year or $14.99 a month.2 That's a $4.99 gap on annual billing.
- When choosing between Monarch Money and Copilot Money, start with your devices and your household. Copilot runs on iPhone, iPad, Mac, and the web, and Monarch adds Android and separate logins for each member.
- Copilot Money fits one person or a couple on Apple devices who want a fast daily view. Monarch Money fits a household with mixed devices or anyone who wants a retirement forecast on Plus.
In this article
Key takeaways
- Copilot Money costs $95 a year or $13 a month,1 and Monarch Money costs $99.99 a year or $14.99 a month.2 That's a $4.99 gap on annual billing.
- When choosing between Monarch Money and Copilot Money, start with your devices and your household. Copilot runs on iPhone, iPad, Mac, and the web, and Monarch adds Android and separate logins for each member.
- Copilot Money fits one person or a couple on Apple devices who want a fast daily view. Monarch Money fits a household with mixed devices or anyone who wants a retirement forecast on Plus.
Monarch Money and Copilot Money are paid budgeting apps that track spending, investments, and net worth for about $100 a year. Copilot is built for Apple devices and the web, and Monarch also runs on Android and gives each household member a login. This guide compares devices, budgeting, sharing, planning, and cost.
Monarch Money vs Copilot Money at a glance
Monarch Money vs Copilot Money comes down to your devices, your household, and how much planning you want.
| Feature | Monarch Money | Copilot Money |
|---|---|---|
| Best for | A household with mixed devices that budgets together | One person or a couple on Apple devices who wants a fast daily view |
| Price | Core $99.99 a year or $14.99 a month, Plus $199.99 a year | $95 a year or $13 a month |
| Devices | Web, iPhone, iPad, and Android | Web, iPhone, iPad, and Mac, US only |
| Free trial | 7 days, payment method required | one month for new users, after a demo mode |
| Sharing | Each household member gets a login, no extra cost | One shared account through a magic link |
| Planning | Retirement forecast and life-change scenarios on Plus | Savings goals |
Tweed read both companies' pricing pages and help centers on October 26, 2026.
What is Monarch Money?
Monarch Money is a paid personal finance app for budgeting, cash flow, and net worth, with Core at $99.99 a year and Plus at $199.99 a year. It connects 13,000+ institutions and includes an AI Assistant on every plan. Our Monarch Money review covers what each plan includes.
What is Copilot Money?
Copilot Money is a paid budgeting app from Copilot Money, Inc. that tracks your spending, budgets, investments, and net worth on iPhone, iPad, Mac, and the web.3 It's available only in the US and shows no ads. Its AI learns your categories from the transactions you review.
Monarch Money vs Copilot Money features compared
Monarch Money vs Copilot Money features split on four things: devices, budgeting, sharing, and planning. Each section opens with the app that comes out ahead.
Devices
Monarch Money wins on devices, because it runs on Android as well as the web, iPhone, and iPad. Copilot runs on iPhone, iPad, Mac, and the web, with no Android app, so a household with even one Android phone ends up on Monarch. For some couples, that's the whole decision.
Budgeting and categories
Copilot Money wins on day-to-day categorizing, because its AI suggests a category for each new transaction once you've reviewed 30. Copilot budgets support rollovers, recurring bills, and savings goals, and it imports Amazon and Venmo details. Monarch gives you more control instead, with two budgeting approaches, transaction rules, and alerts before you overspend, which suits a budget you set once a month and check every week.
Sharing with a partner
Monarch Money wins on sharing, because each household member gets their own login at no extra cost. Copilot shares by forwarding a magic sign-in link to your partner, and every logged-in device has full control of the account.4 Separate logins, not price, are the difference.
Investments and retirement planning
Monarch Money wins on planning, because Plus adds a retirement forecast and life-change scenarios for $199.99 a year. Both apps track investments and net worth, with intraday estimates on Copilot and Zillow home values on both. For a projection alone, the Tweed Retirement Calculator is free, and our ProjectionLab review and Boldin review cover dedicated planners.
Monarch Money vs Copilot Money cost
Monarch Money vs Copilot Money cost is close: $4.99 apart on annual billing and $1.99 a month apart on monthly billing. Copilot gives new users a one-month free trial,5 and Monarch gives 7 days. The tables use list prices from October 26, 2026, with no promo codes and prices held flat.
If you pay for one year
If you pay for one year, you'll pay $95 for Copilot Money and $99.99 for Monarch Core.
| Annual billing | Copilot Money | Monarch Core | Difference |
|---|---|---|---|
| One year | $95 | $99.99 | $4.99 |
| Monthly equivalent | $7.92 | $8.33 | $0.41 |
| Five years at today's prices | $475 | $499.95 | $24.95 |
If you pay month to month
If you pay month to month, you'll pay $13 for Copilot Money and $14.99 for Monarch Core.
| Monthly billing | Copilot Money | Monarch Core | Difference |
|---|---|---|---|
| Per month | $13 | $14.99 | $1.99 |
| 12 months | $156 | $179.88 | $23.88 |
| Saved by switching to annual | $61 | $79.89 |
Should you choose Monarch Money or Copilot Money?
Choose Copilot Money if you live on Apple devices and want a fast daily view, and choose Monarch Money if your household uses Android or wants separate logins and retirement planning. Price barely separates them. For a stricter, hands-on budget, read Monarch Money vs YNAB.
Choose Monarch Money if
- You or your partner use an Android phone
- You want each household member to have their own login
- You want a retirement forecast and life-change scenarios on Plus
- You want a refund for unused time if you cancel a plan Monarch bills directly
Choose Copilot Money if
- You use iPhone, iPad, or Mac and want a native Mac app
- You want AI that categorizes transactions as you review them
- You want Amazon and Venmo details in your transactions
- You'd like to try the app in demo mode before you connect an account
Before you pay $100 more a year for Monarch Plus, run the Tweed Retirement Calculator to see whether you're on track. Then add up what you own and owe in the Tweed Net Worth Calculator, and compare the total with net worth by age.
Frequently asked questions about Monarch Money vs Copilot Money
Is Monarch Money or Copilot Money cheaper?
Copilot Money is cheaper than Monarch Money by $4.99 a year on annual billing. Copilot costs $95 a year or $13 a month, and Monarch Core costs $99.99 a year or $14.99 a month. Monarch Plus, which adds the retirement forecast, costs $199.99 a year.
What is the best alternative to Copilot Money?
Monarch Money is the closest alternative to Copilot Money, at $99.99 a year with Android support and separate household logins. YNAB suits a hands-on budget. If you only want a net worth dashboard, Empower's is free, though it budgets more lightly than either app.
Is Copilot Money better than Rocket Money?
Copilot Money is better than Rocket Money for a full budget with investment tracking, at $95 a year. Rocket Money is better if you want a free plan, subscription cancellation, and bill negotiation. Our Monarch Money vs Rocket Money comparison covers how Rocket Money's plans and fees work.
Which is better for couples, Monarch Money or Copilot Money?
Monarch Money is better for most couples, because each household member gets their own login at no extra cost. Copilot shares one account through a magic sign-in link, and every logged-in device has full control. Monarch also runs on Android, which Copilot doesn't.
Which has the longer free trial, Monarch Money or Copilot Money?
Copilot Money has the longer free trial, at one month for new users after a demo mode. Monarch Money gives you 7 days and asks for a payment method when you sign up. Check that your banks connect in the app you pick before its trial ends.
Is Monarch Money or Copilot Money better for tracking investments?
Monarch Money is better for planning around your investments, because Plus adds a retirement forecast and life-change scenarios for $199.99 a year. Both apps track investments and net worth, with intraday estimates on Copilot and Zillow home values on both. Copilot's planning tools stop at savings goals.
Is Monarch Money or Copilot Money better for budgeting?
Copilot Money is better for day-to-day categorizing, because its AI suggests a category for each new transaction once you've reviewed 30 transactions. Monarch Money is better if you want more control, with two budgeting approaches, transaction rules, and alerts before you overspend. That suits a budget you set once a month and check every week.
Sources
- https://www.copilot.money/
- https://www.monarch.com/pricing
- https://help.copilot.money/en/articles/11157550-quick-start-guide
- https://help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner
- https://www.copilot.money/faq
Personal finance writer, former Forbes contributor and This Week in Fintech writer. He isn't a financial advisor or a CPA.
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