Verdict
Winner: Monarch Money
For users who want zero-based budgeting, envelope budgeting, and comprehensive financial tracking
Monarch is better for users who want zero-based and envelope budgeting alongside investment tracking. Copilot Money has a superior design, powerful automation rules, and comes in at $4.99/yr less. Both now offer web apps and shared household access. Choose Monarch for budgeting methodology depth; choose Copilot for design and automation.
7-day free trial · No credit card required
TL;DR
Winner: Monarch Money
Best for: Users who want zero-based and envelope budgeting with investment tracking and CSV import
$4.99/yr more (Monarch $99.99 vs Copilot $95)
Monarch vs Copilot Money (2026): Depth vs Design Showdown
Published Jan 15, 2026 · 8 min read
Pricing verified Feb 25, 2026Both track investments with shared household access. Monarch ($99.99/yr) adds envelope budgeting. Copilot ($95/yr) wins on design. Head-to-head comparison inside.
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Feature-by-feature
| Features |
Winner
Monarch Money
$8.33/mo
| $7.92/mo |
|---|---|---|
| Monthly Price | $14.99/mo | $13/mo |
| Annual Price | $99.99/yr | $95/yr |
| Free Trial | 7 days | 14 days |
| Prices checked Feb 25, 2026 | ||
| 4.9/5 (79,000 reviews) | 4.8/5 (27,200 reviews) | |
| Bank Syncing | ||
| Investment Tracking | ||
| Net Worth Dashboard | ||
| Bill Tracking | ||
| Shared Household Access | ||
| Custom Categories | ||
| Recurring Transactions | ||
| Goal Tracking | ||
| Credit Score Monitoring | ||
| Subscription Tracking | ||
| Zero-Based Budgeting | ||
| Envelope Budgeting | ||
| CSV Import | ||
| Mobile App | ||
| Web App | ||
| Reports & Charts | ||
| Custom Rules | ||
| Crypto Tracking | ||
| Learning Center | ||
| Negotiation Service | ||
| Get Started with Monarch Money 7-day free trial · No credit card required | ||
Monarch Money
$8.33/mo billed annually
- Bank Syncing
- Investment Tracking
- Net Worth Dashboard
- Bill Tracking
- Shared Household Access
- Custom Categories
- Recurring Transactions
- Goal Tracking
- Credit Score Monitoring
- Subscription Tracking
- Zero-Based Budgeting
- Envelope Budgeting
- CSV Import
- Mobile App
- Web App
- Reports & Charts
- Custom Rules
- Crypto Tracking
- Learning Center
- Negotiation Service
Copilot Money
$7.92/mo billed annually
- Bank Syncing
- Investment Tracking
- Net Worth Dashboard
- Bill Tracking
- Shared Household Access
- Custom Categories
- Recurring Transactions
- Goal Tracking
- Credit Score Monitoring
- Subscription Tracking
- Zero-Based Budgeting
- Envelope Budgeting
- CSV Import
- Mobile App
- Web App
- Reports & Charts
- Custom Rules
- Crypto Tracking
- Learning Center
- Negotiation Service
Pricing breakdown
How much does each app really cost?
Monarch Money
7-day free trial · No credit card required
Copilot Money
Best fit
Who should choose Monarch Money
- Budgeting methodology fans who want zero-based and envelope budgeting — Copilot doesn't offer either
- Mint migrants who need CSV import to bring their full transaction history — Copilot doesn't support CSV import
- Users who want the most comprehensive feature set with ZBB, envelope budgeting, investment tracking, and crypto in one app
Who should choose Copilot Money
- Design-obsessed users who want the most polished interface in any budgeting app
- Automation power users who need granular custom rules for transaction categorization and tagging
- Value-conscious users who want a full-featured app at $4.99/yr less than Monarch's annual plan
Switching from Mint?
Monarch Money
Monarch supports CSV import — you can bring your complete Mint history including transactions, categories, and account balances.
CSV importCopilot Money
Copilot does not support CSV import. All data starts fresh from Plaid-synced accounts. Your Mint history won't transfer.
The bottom line
Our final recommendation
Monarch is better for users who want zero-based and envelope budgeting alongside investment tracking. Copilot Money has a superior design, powerful automation rules, and comes in at $4.99/yr less. Both now offer web apps and shared household access. Choose Monarch for budgeting methodology depth; choose Copilot for design and automation.
7-day free trial · No credit card required
Frequently Asked Questions
Is Monarch Money better than Copilot Money?
It depends on your priorities. Both apps now offer web apps, shared household access, and investment tracking. Monarch's edge is budgeting methodology — it supports zero-based and envelope budgeting, plus CSV import for easy migration. Copilot's edge is its best-in-class design and powerful automation rules. Copilot is also $4.99/yr cheaper on annual plans.
How much does Copilot Money cost?
Copilot Money costs $13/mo or $95/yr ($7.92/mo billed annually). It's actually $4.99/yr cheaper than Monarch Money's $14.99/mo or $99.99/yr.
Does Copilot Money have a web app?
Yes. Copilot Money now offers both a web app and mobile apps for iOS and Android. Both Monarch and Copilot provide full web access for managing finances from a desktop.
Can I share a Copilot Money account with my partner?
Yes. Copilot Money now supports shared household access. Both Monarch and Copilot include shared access on their plans, making either a solid choice for couples and families.
Which app has better automation?
Copilot Money has stronger automation through custom rules that can auto-categorize, tag, and filter transactions. Monarch Money offers custom rules too, but Copilot's implementation is more flexible and granular.
Does Copilot Money track investments?
Yes. Both Copilot Money and Monarch Money offer investment portfolio tracking with performance charts, holdings breakdowns, and net worth calculations.
Which app has a better design?
Copilot Money is widely regarded as having the best-designed interface of any budgeting app. Its charts, animations, and visual hierarchy are best-in-class. Monarch's design is clean and functional but less visually refined.
Can I import data from Mint to either app?
Monarch Money supports CSV import, making Mint migration straightforward. Copilot Money does not support CSV import — you'll start fresh with synced account data only.
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