Head to head
Copilot vs Monarch Money
Copilot Money and Monarch Money both connect your accounts and show spending, budgets, investments and net worth in one place. What separates them is less the features than where they run: Copilot is built for Apple devices and supports US banks only, while Monarch is on the web, iPhone and Android and is available in Canada.
Who each one is for
Choose Copilot Money if
Everyone uses an iPhone or a Mac, your banks are in the US, and you want the lower yearly price.
Choose Monarch Money if
Someone in your household uses Android, you live in Canada, or you want a partner and an advisor in the same account.
Copilot Money and Monarch Money, side by side
Checked against both vendors' own pricing, product and help pages on October 26, 2026. Prices are in US dollars and exclude tax. Plans change often: confirm the details on each vendor's site before you decide.
- Platforms
- Copilot Money: iPhone, iPad, Mac and the web; no Android app
- Monarch Money: The web, iPhone and Android
- Price
- Copilot Money: $95 a year, billed yearly
- Monarch Money: $14.99 a month, or $99.99 a year
- Free trial
- Copilot Money: 1 month
- Monarch Money: 7 days
- Countries
- Copilot Money: US financial institutions and the US App Store only
- Monarch Money: The US and Canada, billed in USD
- Currency
- Copilot Money: USD only; foreign transactions aren't converted
- Monarch Money: Billing in USD; currency support not detailed
- Bank connections
- Copilot Money: US institutions, from banks to brokerages and crypto exchanges
- Monarch Money: 13,000+ financial institutions
- Budgets
- Copilot Money: Budgets that roll unspent money into next month
- Monarch Money: A budget that flexes to your needs, with savings goals
- Categorization
- Copilot Money: AI that learns your patterns and tags each transaction
- Monarch Money: Every transaction in one list, with reports
- Investments
- Copilot Money: Live performance and allocation across stocks, ETFs, crypto and cash; home value from a Zillow link
- Monarch Money: Investments and real estate accounts; deeper tools on the Plus plan
- Partner access
- Copilot Money: Not described on Copilot's pages
- Monarch Money: Partners and household members at no extra cost, plus an advisor
The differences that decide it
Android settles it for many households
Copilot runs on iPhone, iPad, Mac and the web. There's no Android app. If a partner who shares the budget carries an Android phone, Monarch is the one both of you can use on the go.
Where you live and bank
Copilot's help center says it supports US financial institutions only, is listed in the US App Store only and works in US dollars. Monarch is available in Canada. For anyone banking outside the US, that decides it before features come into it.
Price and trial
Paid yearly, Copilot is $95 and Monarch is $99.99. Monarch also sells a month at $14.99. Copilot's trial is a month, Monarch's is a week: long enough to connect your banks, not long enough to live with the budget.
Two people, one budget
Monarch is explicit about couples: each partner gets a login, both see every account, and adding them costs nothing. You can also invite an advisor or tax professional. Copilot's pages don't describe sharing, so check its current options if you budget as a pair.
How to choose
Check every phone in the household
Start with the devices, not the features. If everyone who will touch the budget is on Apple devices, both apps are open to you. If anyone is on Android, Copilot is out.
Then check the banks. Copilot connects to US institutions only. Monarch lists 13,000+ institutions and is available in Canada.
Price the year, not the month
Most people who keep a budget app keep it for years. On a yearly plan the gap is small: $95 for Copilot, $99.99 for Monarch. Monarch's monthly option at $14.99 costs more over a year.
Monarch also has a Plus plan with forecasting and deeper investment tools. Price that only if those are the features you came for.
What both leave out
Both apps know a charge happened, where and for how much. Neither is built to keep the itemized receipt behind it, which is what you need to split a shared purchase by item, return something or back up a deduction.
Where Smartbills fits
Smartbills isn't a budget app. It keeps the itemized receipt behind each charge, on iPhone, Android and the web. Receipts sent through Smartbills arrive on their own, and you can split a purchase by item with people who have a free account, get reminded before a return window closes and find the receipt at tax time. It runs next to Monarch or Copilot rather than instead of them. We've written our own comparison against each.
FAQ
Frequently asked questions
Get started
Keep your budget. Add the receipts.
Get the app for free. Receipts sent through Smartbills arrive on their own, and you can split, return or claim from each one.