Health and everyday life3 picks
The best budgeting apps for iPhone and Mac
Copilot Money is the budgeting app most US iPhone users should pay for, and MoneyWiz is the best free one.
Copilot MoneyPick it if you bank in the US and want transactions sorted without building a spreadsheet.From $13Copilot Money sorts every transaction for you and spots forgotten subscriptions across iPhone, Mac and the web, for $95 a year, but it only connects to US banks. Monarch Money is the pick for couples who share bills. MoneyWiz is free for deep tracking and offers bank sync in 55 countries on paid plans, so it suits people outside the US.
How we chose
- 1Bank sync where you live
- 2Sharing with a partner
- 3Investments, loans and currencies
Compare at a glance
Tap a name to jump to its write-up.
| App | Price | How you pay | Mac | iPhone | iPad | Watch | App Store | Setapp | Rating |
|---|---|---|---|---|---|---|---|---|---|
| Copilot Money | From $13 | Subscription | 4.8 | ||||||
 Monarch Money | From $14.99 | Subscription | 4.9 | ||||||
 MoneyWiz | Free to start | Free, with paid upgrades | 4.6 |
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The picks, in order
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Pick it if you bank in the US and want transactions sorted without building a spreadsheet.
Apple made Copilot Money an Editor's Choice and an Apple Design Award finalist, and the app sorts every bank, card and investment transaction on its own, learning from the labels you fix. It also flags recurring charges you forgot about and tracks net worth on iPhone, iPad, Mac and the web. It only connects to US banks and costs $95 a year after a 1-month trial, while MoneyWiz has a free plan.
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Pick this if you and a partner share bills and want both of you on 1 dashboard.
At $99.99 a year, Monarch costs more than a spreadsheet or your bank's app, and what you pay for is every account, card, loan and investment on one dashboard. It sorts transactions, flags forgotten subscriptions and lets a partner or advisor join at no extra cost. Take the yearly plan, which works out far cheaper than $14.99 a month, and use the 7-day trial to connect your banks first.
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Pick it if you bank outside the US or track investments, loans and several currencies.
Copilot Money costs $95 a year before you track a single dollar, while MoneyWiz lets you log unlimited accounts and budgets for free if you enter or import transactions yourself. It also handles loans, investments, crypto and several currencies, with 30+ reports you can export. Automatic bank sync needs Premium at $59.99 a year, and the app has far more screens and settings than a simple budget app.
Head to head
Stuck between 2 of these? Each comparison lines up price, devices and who should pick which.
- Copilot Money vs Monarch MoneyPick this if you and a partner share bills and want both of you on 1 dashboard.
- Copilot Money vs MoneyWizPick it if you bank outside the US or track investments, loans and several currencies.
- Monarch Money vs MoneyWizPick it if you bank outside the US or track investments, loans and several currencies.
