Monarch vs. Copilot Money
Both cost about $100 a year and track spending, budgets and net worth. The deciding questions are whether anyone in your household uses Android and how you want to share with a partner.
Disclosure: links on this page currently go straight to each provider’s own site, and we don’t earn a commission from them. If we join a provider’s affiliate program later, that will never change which products we include or how we order them. How we make money.
How this page was made: it’s built from each provider’s own terms, rate and fee pages and from regulator sources, all listed at the bottom. We haven’t opened these accounts or products to test them, and we don’t give scores. Every rate shows the day we checked it. Our methodology.
Quick answer
Short answer: choose Monarch if you need Android or want to invite a partner today ($99.99/year or $14.99/month, web, iOS and Android). Choose Copilot Money if everyone uses Apple devices and you want its money assistant ($109/year as a limited-time price, iPhone, iPad, Mac and web). Copilot’s built-in partner invites were still marked “coming this fall” on Nov 10, 2026.
Last updated Prices checked Nov 10, 2026
Key facts at a glance
| Monarch | Copilot Money | |
|---|---|---|
| Yearly price | $99.99/year as of Nov 10, 2026 | $109/year (shown as a limited-time price, “instead of $119”) as of Nov 10, 2026 |
| Monthly price | $14.99/month as of Nov 10, 2026 | Not shown in the page text we read |
| Free trial | 7 days | Not stated on the pages we read |
| Devices | Web, iOS and Android | iPhone, iPad, Mac and web (no Android listed) |
| Partner access | Invite a partner or advisor at no extra cost | Household invites (up to 3 people) “coming this fall”; today, sharing means logging in to the same account |
We read Monarch’s pricing page, home page and account-connection guide, plus Copilot’s home page and three of its help articles, on Nov 10, 2026. We didn’t test either app, so this compares what each company publishes. Neither company pays us.
Monarch vs Copilot Money: side-by-side
| Monarch | Copilot Money | |
|---|---|---|
| Yearly price | $99.99/year as of Nov 10, 2026 | $109/year (shown as a limited-time price, “instead of $119”) as of Nov 10, 2026 |
| Monthly price | $14.99/month as of Nov 10, 2026 | Not shown in the page text we read |
| Free trial | 7 days | Not stated on the pages we read |
| Devices | Web, iOS and Android | iPhone, iPad, Mac and web (no Android listed) |
| Partner access | Invite a partner or advisor at no extra cost | Household invites (up to 3 people) “coming this fall”; today, sharing means logging in to the same account |
| Institutions | 13,000+ | 16,000+ |
| Data providers | Plaid, Mastercard (Finicity) and MX | Mostly Plaid; Mastercard, MX and Akoya for some; direct links with Apple, Capital One, Public and Coinbase |
| Refunds | No-questions-asked money-back guarantee | Full refund if bought directly, canceled within a month and requested within five days; App Store purchases go through Apple |
| Tiers | Standard plus a higher Plus tier (price not shown on the page we read) | One plan, “no tiers, no add-ons” |
What are the pros and cons?
Monarch: pros
- Android app
- Partner and advisor invites included
- Monthly option at $14.99
- Money-back guarantee
Monarch: cons
- Only a 7-day trial
- Plus tier price not shown on the page we read
Copilot Money: pros
- One plan with everything included
- Native Mac and iPad apps
- Direct Apple Card and Apple Savings connection
Copilot Money: cons
- No Android app
- Partner invites not yet launched
- $109 is a limited-time price ($119 otherwise)
Which should you choose: Monarch or Copilot Money?
Prices are close, so devices and sharing decide it. Monarch runs on Android and lets a partner join with their own access today. Copilot is Apple-only plus web, and until its household feature launches, a partner shares your login, which Copilot warns gives them full control of the account.
Choose Monarch if…
- Anyone in your household uses Android
- You want a partner or financial advisor to have their own access
- You’d rather pay monthly
Choose Copilot Money if…
- Everyone uses iPhone, iPad or Mac
- You want an AI money assistant included in the base price
- You use Apple Card or Apple Savings
Who should skip this
- You want a free app. Neither is free after the trial; see free budgeting apps.
- You want zero-based, give-every-dollar-a-job budgeting. See YNAB vs. Monarch.
Frequently asked questions
Is Copilot Money on Android?
Which is cheaper?
Can my partner use it with me?
Do they sell my data?
Can I get a refund?
Sources
Every source below was opened and read for this page (rates last checked Nov 10, 2026). Providers’ own pages are labeled with the provider’s name; regulator pages are labeled with the agency. Rates and terms change often, so confirm on the provider’s site before you apply.
- Monarch: Pricing (monarch.com, checked Nov 10, 2026)
- Monarch: Home page (features) (monarch.com, checked Nov 10, 2026)
- Monarch Help: Guide to connecting your accounts (help.monarch.com, checked Nov 10, 2026)
- Copilot Money: Home page (pricing) (copilot.money, checked Nov 10, 2026)
- Copilot Help Center: How do you get my financial data? (help.copilot.money, checked Nov 10, 2026)
- Copilot Help Center: Managing your Copilot subscription (help.copilot.money, checked Nov 10, 2026)
- Copilot Help Center: Sharing your account with a partner (help.copilot.money, checked Nov 10, 2026)
Related
Best free budgeting apps
Several budgeting apps have a plan you can use indefinitely without paying. The catch is usually a limit: manual entry, fewer accounts, or budgeting tools held back for the paid tier. We read each app’s own pages on Nov 10, 2026.
comparisonYNAB vs. Monarch
Both are paid, ad-free budgeting apps that let you share with a partner at no extra cost. YNAB is built around planning your money before you spend it; Monarch around seeing all your accounts, including investments and net worth, in one place.
best ofBest budgeting apps
The right budgeting app is the one you’ll actually open every week. We read each app’s own pricing page on Nov 10, 2026 and compare price, trial length, free options and the budgeting style each one is built around.