Budgeting apps for iPhone and MacHead to head
Copilot Money vs Monarch Money
Copilot Money ranks #1 and Monarch Money ranks #2 in our guide to the best budgeting apps for iPhone and Mac. Copilot Money is our pick for most people.
Copilot MoneyPick Copilot Money if you bank in the US and want transactions sorted without building a spreadsheet.From $13#2 in the guide
Monarch MoneyPick Monarch Money if you and a partner share bills and want both of you on 1 dashboard.From $14.99What decides it
- Copilot Money costs less over 3 years: $285, against $299.97 for Monarch Money.
- Both run on iPhone and iPad. Only Copilot Money runs on Mac.
- Monarch Money has the higher App Store rating: 4.9 from 117K ratings, against 4.8 for Copilot Money.
Side by side
Prices are checked every day.
| At a glance | Copilot Money | Monarch Money |
|---|---|---|
| Price | $13 a month or $95 a year, after a 1-month free trial | 7-day free trial, then $14.99 a month or $99.99 a year |
| How you pay | Subscription | Subscription |
| 3 years of use | $285 Yearly plan Cheaper | $299.97 Yearly plan |
| Free trial | Yes | Yes |
| Runs on | Mac, iPhone, iPad | iPhone, iPad |
| Where to buy | App Store | App Store |
| Rating | 4.8 31K ratings | 4.9 117K ratings Higher |
| Features | Free trial | Free trial |
| Made by | Copilot Money, Inc. | Monarch Money, Inc. |
| Last updated | 27 Oct 2026 | 29 Oct 2026 |
Who should get which
Get Copilot Money if
You live in the US and want 1 app showing where all your money went this month, no spreadsheet.
Get Monarch Money if
You and your partner share bills and want to see every account and budget in one place.
Skip Copilot Money if
You bank outside the US, where Copilot can't connect to your accounts at all.
Skip Monarch Money if
You already track spending in a spreadsheet you like and don't want a $99.99 yearly bill.
Our verdicts
Copilot Money
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.
Monarch Money
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.
What each one helps you do
Copilot Money
- See every account and card in 1 place
- Find subscriptions you forgot you were paying
- Set budgets that adapt to how you spend
- Track your net worth and investments over time
Monarch Money
- See your net worth across every account
- Catch subscriptions you forgot to cancel
- Budget together with your partner
- Know which bills are due this week
Where to get them
Neither one quite right?
The other picks in our guide to the best budgeting apps for iPhone and Mac.
