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Monarch vs Copilot Money
Monarch scores higher overall (8.4 vs 8.1), but the right pick depends on what you need.
Choose Monarch if…
Couples and households who want one shared, detailed view of their money
8.4/10★★★★★Full review →Choose Copilot Money if…
iPhone and Mac users who want the most polished budgeting app
8.1/10★★★★★Full review →Side by side
| Monarch | Copilot Money | |
|---|---|---|
| Overall score | 8.4/10 | 8.1/10 |
| Rank in category | #1 of 10 | #3 of 10 |
| Price | Free trial · from $14.99/month | Free trial · from $13/month |
| Free version | — | — |
| Platforms | Web, iOS, Android | Web, iOS, Mac |
| Made by | Monarch Money, Inc. | Copilot Money, Inc. |
| Money insight quality | 8.5 | 8.5 |
| Ease of use | 8.5 | 9 |
| Features | 8.5 | 7.5 |
| Value for money | 7.5 | 8 |
| Platforms | 9.5 | 7 |
Monarch: what the AI does
- AI assistant that answers questions about your finances
- Automatic transaction categorisation
- AI insights that flag unusual spending and net-worth changes
- Weekly Recap summaries
- Receipt scanning that splits purchases into categories
- Very highly rated on both app stores
- Share budgets with a partner or invite a financial professional
- Works on web, iPhone and Android
- Steady stream of new features through 2026
- No free plan after the 7-day trial
- AI assistant explains your money but can't make changes or move money
- Plus plan costs twice as much as Core
Copilot Money: what the AI does
- Copilot Intelligence auto-categorisation that learns your habits
- Adaptive budgets
- Alerts for unusual spending and overdraft risk
- Subscription and recurring-charge detection
- Apple Editor's Choice with a standout design
- Categorisation learns from your corrections
- Investment tracking with benchmarks
- Never sells data or shows ads
- No Android app; Android users only get the web app
- No free plan after the trial
- No AI chat assistant that can answer open questions