Monarch Money vs Copilot Money
Last updated: May 2, 2026
Recommendation
Monarch and Copilot are the two most-recommended polished alternatives to the dead Mint. Monarch is cross-platform (web, iOS, Android), priced around $99/year on its pricing page, and built around households. Copilot is $95/year, iOS/iPadOS/Mac/web only — no Android — and is the strongest design-forward native experience on Apple devices. Neither is an envelope-budgeting tool.
Choose Monarch Money if…
Your household is mixed-platform (any Android phone in the picture), you want one app for both partners, or you want net-worth aggregation as a first-class feature.
Choose Copilot Money if…
You're all-in on Apple, you want the best native iOS/Mac UX in the category, and you don't need an Android client.
Pricing
| Monarch Money | Copilot Money | |
|---|---|---|
| Pricing | $99/yr | $7.92/mo · $95/yr |
| Verification | Needs verification | Verified |
Feature comparison
| Monarch Money | Copilot Money | |
|---|---|---|
| Bank sync | Yes | Yes |
| Manual transactions | Yes | Yes |
| Envelope budgeting | No | No |
| Zero-based budgeting | No | No |
| Couples / shared budget | Yes | Unknown |
| Google Sheets | No | No |
| CSV export | Yes | Unknown |
| Recurring transactions | Yes | Yes |
| Net worth tracking | Yes | Yes |
Privacy
| Monarch Money | Copilot Money | |
|---|---|---|
| Summary | Transaction history and account data is stored on Monarch's servers. Privacy policy states Monarch will never sell financial data, but acknowledges that disclosures to advertising partners via cookies may legally constitute 'sale' or 'sharing' under some state laws. Users can opt out via a 'Do Not Sell or Share' form. | Transaction history is stored on Copilot's servers. The privacy policy explicitly states Copilot does not share Financial Information with third parties for marketing, joint marketing, or so they can market to the user. Whether categorization runs in the cloud or on-device is not specified in the policy. |
| Sells data | does_not_sell | does_not_sell |
| Verification | Verified | Verified |
Tradeoffs to consider
Pricing is similar enough that platform support is the dominant choice — Android availability is the cleanest decider. Both store transaction history on their respective servers; neither runs categorization on-device.
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Sources
- Monarch pricing page — Monarch. Accessed May 2, 2026.monarchmoney.com 301-redirects to monarch.com. Annual price visible in customer review on the page; full pricing table needs re-verification.
- Copilot Money homepage — Copilot Money. Accessed May 2, 2026.