Monarch Money
From ~$8.33 per mo (annual)
Copilot Money
From ~$8.33 per mo (annual)
Monarch Money is a comprehensive budgeting and net-worth tracker great for households and couples. Copilot Money is a beautifully designed, AI-assisted budgeting app focused on Apple users. Monarch wins on comprehensiveness and collaboration; Copilot wins on design and Apple-first polish.
Pick Monarch Money if you want comprehensive budgeting, goals, and net-worth tracking, especially for a household or couple.
Pick Copilot Money if you are an Apple user who wants a beautiful, AI-assisted personal budgeting app.
Monarch Money and Copilot Money are two modern budgeting apps that rose as Mint alternatives, but they suit different users. Monarch is comprehensive and collaboration-friendly, with budgeting, goals, investment and net-worth tracking, and strong support for couples and households managing money together across platforms. Copilot Money is Apple-first and beautifully designed, with smart, AI-assisted categorization and a polished experience that Apple users love.
On price, both run around $8.33 a month billed annually. The choice is mostly comprehensive, collaborative budgeting and net worth (Monarch) versus beautiful, AI-assisted Apple-first budgeting (Copilot).
We compare budgeting, net worth, design, platforms, and price.
| Quick facts | Monarch Money | Copilot Money |
|---|---|---|
| Price | From ~$8.33/mo (annual) | From ~$8.33/mo (annual) |
| Comprehensiveness | Best-in-class | Strong |
| Design / polish | Strong | Best-in-class |
| Couples / household support | Best-in-class | Good |
| Best for | Households + net worth | Apple users + design |
Each row reflects the feature on each product's current public release.
| Feature | M Monarch Money | C Copilot Money |
|---|---|---|
| Budgeting & categories | Best-in-class | Best-in-class |
| Net-worth & investment tracking | Best-in-class | Strong |
| Goals & planning | Best-in-class | Good |
| Couples / shared households | Best-in-class | Good |
| Beautiful, polished design | Strong | Best-in-class |
| AI-assisted categorization | Good | Best-in-class |
| Cross-platform (incl. web/Android) | Best-in-class | Apple-first |
| Bank connections | Strong | Strong |
Pricing and features change often. Always verify the current details on each product's official site. Last reviewed June 2026.
Things neither product's marketing page leads with.
Monarch is more comprehensive and collaborative across platforms, but its design is a touch less polished than Copilot.
Copilot is gorgeous and AI-smart, but it is Apple-first and less suited to cross-platform households.
For households and net worth Monarch wins; for Apple-first design Copilot wins.
The average person juggles a dozen subscriptions and forgets at least one. Subkept is a privacy-first subscription tracker: add Monarch Money, Copilot Money, and everything else, then get renewal reminders, price-hike alerts, and a clear monthly total, with no bank connection, ever. Free for up to 5 subscriptions, no time limit.