Copilot Money vs Monarch Money

Two premium budgeting apps with AI features. The big differences are platform support and plan structure.

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	Copilot Money	Monarch Money
Pricing	$13/month or $95/year	Core $99.99/year or $14.99/month; Plus: see official site
Free option	Free trial only	7-day trial
Platforms	iPhone, iPad, Mac, Web (US)	Web, iOS, Android
Best for	Solo users, especially on Apple devices, who want passive, well-designed spending and net-worth tracking.	Couples and households who want shared budgeting across web, iOS and Android.
Pricing note	Free trial for new users; no permanent free tier.	7-day free trial; Monarch states a money-back guarantee. Plus plan price not shown on the pricing page we checked.
Pros	AI categorization that learns from your corrections Covers spending, investments and net worth in one app Web app available (added December 2025)	Offers both flexible and traditional category budgeting Household sharing built in Plus tier adds planning and business tracking for complex finances
Cons	US only No native Android app No permanent free tier Web app launched without some iOS features, per third-party reviews	No permanent free tier Annual price is on the higher end of budgeting apps Plus tier costs about double Core
	Visit Copilot Money →	Visit Monarch Money →

The short version

Copilot is Apple-first with web access and no Android app; Monarch works on web, iOS and Android and has household sharing. Annual prices are close ($95 vs $99.99 for Monarch Core).

Pricing checked October 15, 2026. Confirm on official sites.