Copilot Money vs Monarch Money
These are the Tesla and Rivian of budgeting apps—both premium, both excellent, both expensive. If you're ready to pay for the best experience, here's how they actually compare.
Copilot Money
Premium iOS Finance App
Best for: iPhone users who want the most polished budget tracking experience
Pros
- Arguably the best-designed finance app
- Smooth, fast performance
- Smart auto-categorization
- Beautiful visualizations
Cons
- iOS only—no Android at all
- No free tier to try it out
- Limited expense splitting
- No bill negotiation
Monarch Money
Comprehensive Household Finance
Best for: Households wanting detailed financial planning across all platforms
Pros
- Works on iOS, Android, and web
- Investment tracking included
- Collaborative couple features
- Great customer support
Cons
- Also no free tier
- Slightly less polished than Copilot
- Can feel overwhelming at first
- Expense splitting is basic
Feature-by-Feature Comparison
| Feature | Copilot Money | Monarch Money |
|---|---|---|
| iOS App | ||
| Android App | ||
| Web Access | ||
| Investment Tracking | ||
| Couple Collaboration | ||
| Net Worth Tracking | ||
| Budget Categories | ||
| Expense Splitting | ||
| UI/UX Quality | ||
| Free Trial |
The Verdict
If you're on iPhone and want the absolute best-looking finance app, Copilot edges ahead. If you need Android, web access, or robust investment tracking, Monarch is your choice. They're essentially the same price and both excellent. But neither has a free tier, and both treat expense splitting as an afterthought. If you split costs with anyone regularly and want to save $100+/year, Savida offers a free tier that combines budgeting with real expense splitting.
Why Not Get the Best of Both?
Savida combines budget tracking, expense splitting, and AI coaching in one app. No more switching between apps or paying for multiple subscriptions.