Monarch vs Copilot Money

Monarch or Copilot: the short answer

Pick Monarch if you share money with someone, use Android, or would rather budget by a few big buckets than by every category. Your household shares one subscription today. Core is $14.99 a month or $99.99 a year after a 7-day trial.

Pick Copilot if you live on Apple devices and want a beautifully designed view of spending, investments and net worth, with a Money Assistant on iPhone that builds a starting budget and asks before it acts. It is $18 a month, or $109 a year on a limited-time offer, after a one-month trial.

Both link your accounts, both find your recurring bills and subscriptions, and both track investments and net worth. Neither has a free plan.

Monarch and Copilot, row by row

What Monarch and Copilot cost

Monarch has two plans. Core is $14.99 a month or $99.99 a year. Plus, added on April 20, 2026, is $199.99 a year and billed yearly only. It adds forecasting, business income tracking, deeper investment analysis and a will through Trust & Will, and for now those features are on desktop web. Both plans start with a 7-day trial that asks for a payment method, and Monarch offers a money-back guarantee after you subscribe.

Copilot has one plan with nothing held back: "No tiers, no add-ons, no AI credits," in its words. It is $18 a month, or $109 a year on what its pricing page calls a limited-time offer, against a regular $119. New users get a one-month trial.

Paying yearly, Monarch Core is $99.99 and Copilot is $109 while the offer lasts. Paying monthly, Monarch is $14.99 and Copilot is $18. Copilot gives you longer to decide; Monarch has the money-back guarantee.

Linking your accounts

Monarch connects through three data providers, Plaid, Finicity and MX, and suggests the one that has connected best to your bank in the past. You can switch providers if you need to. It works with accounts in the US and Canada, and you can add manual accounts for anything that will not connect, then update them by hand.

Copilot says it connects to more than 16,000 US financial institutions, with direct integrations for Venmo, Apple Card and Coinbase. It works with US accounts only.

How each one budgets

Monarch builds a monthly cash flow budget: the income you expect, minus spending and savings. Its default, Flex budgeting, puts spending into three buckets, fixed, non-monthly and flex, so you watch one flexible number instead of every category. If you would rather budget each category, you can switch at any time. Your first budget is filled in from your last six months of spending.

Copilot sorts your transactions into categories automatically and learns your habits over time. Its budgets are by category and adapt to how you actually spend. On iPhone, the Money Assistant looks at your spending, income and investments and builds a starting budget with the categories most worth tracking, then suggests changes for you to approve.

Bills, recurring charges and subscriptions

Monarch scans new transactions for anything that repeats and puts it on a recurring calendar or list: subscriptions, bills, transfers, even paychecks. You can also add one by hand. Each bill shows as paid, paid at a different amount, upcoming, or missed. Bill Sync, through a partner called Spinwheel using Equifax data, adds statement balances and due dates for US credit cards and loans.

Copilot keeps bills and subscriptions in a Recurrings tab that shows what has been paid and what is left to pay this month, plus less frequent charges coming later. You create a recurring from a transaction and set it weekly, every two weeks, monthly or less often. It can also alert you to things like paydays, overdraft fees and unusual spending.

Both show your recurring charges, so nothing renews unseen.

Sharing with a partner, and where each one runs

Monarch was built for households. You can invite one or more people into one subscription at no extra cost. Each gets their own login and sees the same dashboard and budget, and no one can hide an account from the others. It runs on iPhone, iPad, Android and the web.

Copilot does not share yet. Its site lists Households as coming this fall: up to 3 people on one account, each with full access at no extra cost. It runs on iPhone, iPad, Mac and the web. There is no Android version listed.

Recent changes

• Monarch added a Plus plan on April 20, 2026, at $199.99 a year, for forecasting, business income, investment analysis and estate planning.
• Copilot has launched its Money Assistant, an AI assistant on iPhone that builds budgets, answers questions and takes actions you approve.
• Copilot lists Households as in progress: sharing with a partner or family, with separate logins and ownership of accounts and transactions.

If you want neither, and just want the bills handled

Some people read a comparison like this and realize they never wanted the whole picture. They wanted to stop being surprised by a bill, and to know what's left until the next paycheck. You don't need a second hobby.

That is the job we built Forseera for. You add your bills and your paydays, by hand or through an optional, read-only Plaid link, and we give you a heads-up before each bill is due and show what's left. We never move money. It is $8.99 a month or $69.99 a year after a 7-day free trial, and you cancel in your Apple Account settings.

Here is what Forseera does not do. It has no budgets or spending categories, no investments or net worth, no AI assistant, and no free plan. It does not run on iPad, Mac, Android or the web; it is iPhone only, and it is one person per account. If you want the whole picture, Monarch or Copilot will serve you better.

Questions people ask about Monarch and Copilot

Is Monarch better than Copilot?

Neither is better for everyone. Monarch is the stronger pick if you share money with a partner or use Android. Copilot is the stronger pick if you are all-in on Apple devices and want its design and Money Assistant.

Is Copilot Money cheaper than Monarch?

No. Monarch Core is $14.99 a month or $99.99 a year. Copilot is $18 a month, or $109 a year on a limited-time offer. Copilot's trial is longer: one month against Monarch's seven days.

Which is better for couples, Monarch or Copilot?

Monarch, today. One Monarch subscription covers your household, each person with their own login. Copilot lists Households as coming this fall, for up to 3 people at no extra cost.

Is Copilot on Android like Monarch?

No. Copilot runs on iPhone, iPad, Mac and the web. Monarch runs on iPhone, iPad, Android and the web. Forseera is iPhone only.

Do Monarch and Copilot work outside the US?

Monarch works in the US and Canada. Copilot works with US accounts only.

Is there a free version of Monarch or Copilot?

No. Both are paid after a trial: seven days for Monarch, one month for Copilot.

What if I only want to keep track of my bills?

Both apps will do it, inside a larger money app. If bills are all you want, Forseera is a bill tracker for iPhone that gives you a heads-up before each bill is due and shows what's left. It is $8.99 a month or $69.99 a year after a 7-day free trial.

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