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Monarch vs Copilot Money: which should you pick?

Pick Monarch if anyone in your household uses Android, or if price decides it: Core is $99.99 a year or $14.99 a month, against Copilot’s $109 a year (a limited-time price; usually $119) or $18 a month. Pick Copilot if everyone is on iPhone, iPad or Mac and you want the most polished Apple apps. Both let a partner in at no extra cost, so sharing does not decide it.

Prices and features checked on each company's own site on November 5, 2026. I make Treasury, so it is not part of this comparison. It has its own labelled section as a third option, including when Monarch Money or Copilot Money is the better pick.

Monarch Money vs Copilot Money at a glance

Monarch Money and Copilot Money compared on price, free option, platforms, bank sync, budgeting, AI and partner sharing
	Monarch Money	Copilot Money
Price	Core $99.99/yr or $14.99/mo; Plus $199.99/yr	$109/yr (limited-time; usually $119) or $18/mo
Free option	7-day trial, card required	1-month free trial
Platforms	Web, iPhone, iPad, Android	iPhone, iPad, Mac, Web
Bank sync	Yes, U.S. and Canada	Yes, U.S. banks
Budgeting style	Category or flex budgets	Category budgets with rollovers
AI	AI assistant included	Automatic categorization; AI assistant on iOS only so far
Partner sharing	Yes, add a partner at no extra cost	Up to 3 people on one account at no extra cost

U.S. prices from each company's own pricing page, before tax. Limited-time offers are noted where the usual price differs.

Where Monarch Money and Copilot Money differ

Price

Monarch Money: Core is $99.99 a year or $14.99 a month. Plus, which adds retirement forecasts and business tracking, is $199.99 a year.
Copilot Money: One plan: $109 a year at a limited-time price (usually $119), or $18 a month.

Free trial

Monarch Money: 7 days, and you add a card to start.
Copilot Money: 1 month for new users.

Phones and computers

Monarch Money: Native apps on iPhone, iPad and Android, plus the web.
Copilot Money: Native apps on iPhone, iPad and Mac, plus the web. No Android app.

AI assistant

Monarch Money: An AI Assistant is included on Core and Plus.
Copilot Money: Categorization learns from your corrections. The Money Assistant runs only on iOS so far.

Budgeting style

Monarch Money: Choose between category budgets and flex budgeting.
Copilot Money: Category budgets each month, with rollovers.

Planning tools

Monarch Money: Plus adds retirement forecasts, business tracking and in-depth investment analysis.
Copilot Money: No separate planning tier.

Banks

Monarch Money: U.S. and Canada.
Copilot Money: U.S. only.

Where they are the same

Partner access at no extra cost

Monarch lets you add a partner for free. Copilot lets up to 3 people use one account at no extra cost.

The whole picture in one place

Both track spending, budgets, investments and net worth across your linked accounts.

No free plan, no ads

Both are paid after the trial. Both say they show no ads and do not sell your financial data.

Which one to pick

Pick Monarch Money if

Anyone in your household uses an Android phone
You want the lower price, yearly or monthly
You want retirement forecasts or business tracking (Plus)
You bank in Canada

Visit Monarch Money

Pick Copilot Money if

Everyone uses iPhone, iPad or Mac, and you want the most refined Apple apps
You want a month to try it rather than a week

Visit Copilot Money

A third option: Treasury

I make Treasury, so treat this section as mine rather than part of the comparison. Here is what it does, what it costs and when Monarch Money or Copilot Money is the better choice.

My product · Best for: Several budgets and an AI coach

Treasury

Treasury tracks spending, subscriptions and net worth like both apps. It adds budgets that run side by side, such as monthly spending and a trip, and an AI coach you can ask about your own accounts on the web and iPhone.

Price: $95/yr or $12.99/mo
Free option: 14-day free trial
Platforms: Web, iPhone, iPad
Bank sync: Yes, U.S. banks via Plaid
Budgeting style: Category budgets; several budgets at once
AI: AI money coach that answers from your accounts
Partner sharing: Not yet

Compared with both: Treasury is $95 a year or $12.99 a month, less than either app, yearly or monthly. It has a 14-day free trial.

Pick Monarch Money or Copilot Money instead if

You want native Android apps. Monarch has them; Treasury runs in an Android browser.
You share money with a partner. Monarch and Copilot both include partner access; Treasury does not yet.
You mainly want the most polished Apple apps. Copilot’s are more refined than Treasury’s.
You want retirement forecasts or business tracking. Monarch Plus covers both.

Try Treasury free 14-day free trial · cancel anytime

How I compared them

I checked prices, platforms and features on Monarch Money's and Copilot Money's own pricing pages and FAQs on November 5, 2026. This is a documented-feature comparison, not a hands-on test of either app with your bank. I update the page when a price or feature changes.

Treasury is left out of the comparison because I make it and sell it. Its section says when either app fits you better.

Monarch Money vs Copilot Money: questions

Is Monarch cheaper than Copilot Money?

Yes. Monarch Core is $99.99 a year or $14.99 a month. Copilot is $109 a year at a limited-time price (usually $119) or $18 a month. Monarch Plus, at $199.99 a year, costs more than either.

Does Copilot Money work on Android?

There is no Android app. Copilot runs on iPhone, iPad, Mac and the web. Monarch has a native Android app.

Which has the better AI assistant, Monarch or Copilot?

Monarch includes its AI Assistant on both Core and Plus. Copilot’s Money Assistant runs only on iOS so far, and its automatic categorization learns from your corrections.