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 2026-06-26.
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.