Verdict
Winner: Monarch Money
For households, couples, and users who want shared access plus investment tracking
Monarch is better for households and all-around budgeting. Copilot Money has a superior mobile design and automation rules but lacks shared access and costs more. Choose Monarch for family finances; choose Copilot for a premium solo experience.
7-day free trial · No credit card required
TL;DR
Winner: Monarch Money
Best for: Households who want shared access, a web app, and investment tracking at a lower price
$29.89/yr cheaper (Monarch $89.99 vs Copilot $119.88)
Monarch vs Copilot Money (2026): Which Is Better?
Published Jan 15, 2026 · 8 min read
Pricing verified Feb 23, 2026We compared Monarch Money and Copilot Money on pricing, features, and design. Monarch wins for households — here's why, and when Copilot's design-first approach is worth the premium.
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Feature-by-feature
| Features |
Winner
Monarch Money
$7.49/mo
| $9.99/mo |
|---|---|---|
| Monthly Price | $9.99/mo | $14.99/mo |
| Annual Price | $89.99/yr | $119.88/yr |
| Free Trial | 7 days | 14 days |
| Prices checked Feb 23, 2026 | ||
| 4.7/5 (12,400 reviews) | 4.8/5 (6,200 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
$7.49/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
$9.99/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
- Couples and families who need shared household access — Copilot has no multi-user support at any price
- Desktop-first users who want a full web app for managing finances on a big screen
- Budget-conscious users who want more features for $30/yr less than Copilot's annual plan
Who should choose Copilot Money
- Design-obsessed users who want the most polished mobile interface in any budgeting app
- Automation power users who need granular custom rules for transaction categorization and tagging
- Solo iPhone users who prefer a native iOS experience over a web-first responsive app
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 households and all-around budgeting. Copilot Money has a superior mobile design and automation rules but lacks shared access and costs more. Choose Monarch for family finances; choose Copilot for a premium solo experience.
7-day free trial · No credit card required
Frequently Asked Questions
Is Monarch Money better than Copilot Money?
For most users, yes. Monarch Money offers shared household access, a web app, and lower annual pricing. Copilot Money has a more polished mobile interface and powerful automation rules, but it's iOS-focused, has no web app, and doesn't support shared accounts.
How much does Copilot Money cost?
Copilot Money costs $14.99/mo or $119.88/yr ($9.99/mo billed annually). It's the most expensive option in this comparison — about $30/yr more than Monarch Money.
Does Copilot Money have a web app?
No. Copilot Money is mobile-only (iOS and Android). There is no web interface. If you want to manage finances from a desktop, Monarch Money's full web app is a significant advantage.
Can I share a Copilot Money account with my partner?
No. Copilot Money does not support shared household access. Each user needs their own subscription. Monarch Money includes shared access for free on all plans.
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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