Monarch Money vs. Copilot Money: Premium Budget App Comparison (2026)
Our Verdict: Monarch Money ($9.99/mo) and Copilot Money ($14.99/mo) are both premium financial apps. Monarch works everywhere with investment tracking. Copilot is iOS-only with stunning design. For users wanting great budgeting without the premium price, New Day Budgeting offers AI and gamification for free.
Feature Comparison
| Feature | New Day Budgeting | Monarch Money vs Copilot Money |
|---|---|---|
| Price | $9.99/month (Monarch) | $14.99/month (Copilot) |
| Platform | iOS, Android, Web | iOS only |
| Investment Tracking | Yes | Yes |
| Net Worth | Yes | Yes |
| Collaborative | Yes | No |
| Design Quality | Clean, professional | Award-winning, beautiful |
| AI Features | No | No |
| Free Tier | No | No |
| NDB Alternative | $0-$4.99/mo with AI + gamification | Cross-platform, dramatically cheaper |
Pricing Comparison
| Plan | New Day Budgeting | Monarch Money vs Copilot Money |
|---|---|---|
| Monarch | ||
| Copilot | ||
| New Day Budgeting |
Pros and Cons
New Day Budgeting
Pros
- Monarch works on all platforms and supports couples
- Copilot has the most beautiful design of any finance app
- Both include investment and net worth tracking
Cons
- Both are expensive with no free tiers
- Neither has AI or gamification
- Copilot is iOS-only
Monarch Money vs Copilot Money
Feature Comparison
| Feature | New Day Budgeting | Monarch Money vs Copilot Money |
|---|---|---|
| Price | $9.99/month (Monarch) | $14.99/month (Copilot) |
| Platform | iOS, Android, Web | iOS only |
| Investment Tracking | Yes | Yes |
| Net Worth | Yes | Yes |
| Collaborative | Yes | No |
| Design Quality | Clean, professional | Award-winning, beautiful |
| AI Features | No | No |
| Free Tier | No | No |
| NDB Alternative | $0-$4.99/mo with AI + gamification | Cross-platform, dramatically cheaper |
Our Verdict
Monarch Money ($9.99/mo) and Copilot Money ($14.99/mo) are both premium financial apps. Monarch works everywhere with investment tracking. Copilot is iOS-only with stunning design. For users wanting great budgeting without the premium price, New Day Budgeting offers AI and gamification for free.
Who Should Choose What?
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- Array
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Frequently Asked Questions
Is Monarch or Copilot better?
Monarch is more versatile — cross-platform, cheaper, and supports couples. Copilot has better design but is iOS-only and $5/month more. For pure budgeting, New Day Budgeting offers more engagement features at $0.
Which premium finance app has the best design?
Copilot Money has widely been recognized for its exceptional visual design. If aesthetics matter to you and you are on iOS, Copilot is the winner. Monarch is clean but more functional than beautiful.
Is there a free alternative to both?
Yes. New Day Budgeting (free) for budgeting plus Empower (free) for investment and net worth tracking together provide comparable functionality at $0/month.