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Monarch Money vs. Copilot: Best Budgeting App for iOS in 2025?

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Which Budgeting App Is Right for You?

Budgeting apps help people handle money in their day-to-day life. Monarch Money and Copilot are two top tools for this. They make it easy to follow your budget, set goals, and keep an eye on your spending. These platforms are safe to use and simple to understand. With these apps, you will find it easier to keep track of your money and reach your money goals.

No matter if you used Mint before or if you are new to budget apps, Monarch Money and Copilot both have tools made for today’s money needs. This article compares the main differences between the two so you can pick the one that is best for your goals and the way you live your life.

Monarch Money vs Copilot

Category Monarch Money Copilot Money
Primary Focus Customization & Collaboration AI-Driven Budgeting
Compatibility iOS, Android, Web iOS, macOS only
Subscription Cost $14.99/month or $99.99/year $13/month or $95/year
AI Integration Limited Advanced (AI Chatbot & automation)
Customization Detailed budget categories Transaction re-categorization
Collaboration Multi-user access and dashboard sharing Single user (no joint budgeting)
Privacy & Security Bank-level encryption, no ads, data not sold Bank-level encryption, Apple privacy focused
Investment Tracking Net worth, assets including real estate Investments, crypto, and cash flow
Support Email-based customer service In-app and email support
Free Trial 7-day trial Usually 30-day trial (can vary by promotion)

Voted "Best Overall Budgeting App" by Forbes and WSJ

Monarch Money helps you budget, track spending, set goals, and plan your financial future—all in one app.

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Who Each App Is Best For

Monarch Money

This platform is great for people, couples, or groups who want to handle shared money. It gives you dashboards that you can change, shared logins for everyone, and many ways to check records about your savings, spending, and what you own or owe.

Copilot

This app works well for people who know a lot about technology and have different types of money accounts. This can be some in stocks or some in crypto. The AI tools help sort out your spending for you and give smart tips.

Former Mint users may like Monarch Money because it has the same kind of dashboard. If you want to use automation and AI tools, you might go with Copilot. At the end, you should pick the one that fits your money goals and the devices that you use.

Final Thoughts on Monarch Money vs Copilot

Monarch Money and Copilot both give you strong tools to help with your budget. Monarch Money lets people have more ways to set up and share their money plans. Copilot, on the other hand, is all about making things automatic and simple to use with a clean look.

The budgeting app that is right for you will be based on what you want, what devices you use, and which features you like, such as AI, tracking investments, or planning together with someone else. When you know what each app can give you, you can feel sure and pick the one that will help you with your money goals.

Frequently Asked Questions

What’s the main difference between Monarch Money and Copilot?

Monarch Money focuses on customization and joint budgeting with features like shared dashboards and multi-user access, while Copilot centers on AI-powered automation and smart expense tracking for solo users.

Which app is better for couples or families?

Monarch Money is the better choice for couples or families because it allows for shared access, customizable goals, and collaborative budgeting tools.

Does Copilot support Android devices?

No, Copilot is only available on iOS and macOS. If you use Android or Windows, Monarch Money would be a better fit.

Which app offers better AI features?

Copilot provides more advanced AI tools, including an AI chatbot and automated transaction categorization, making it ideal for tech-savvy users.

Is there a free trial available for both apps?

Yes. Monarch offers a 7-day free trial, while Copilot typically offers a 30-day trial, though it can vary depending on promotions.


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Article Title: Monarch Money vs. Copilot: Best Budgeting App for iOS in 2025?

https://fangwallet.com/2025/07/22/monarch-money-vs-copilot-best-budgeting-app-for-ios-in-2025/


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Michelle Chen is a prominent financial expert and author, known for their ability to simplify even the most daunting financial challenges. With a background in corporate finance and financial psychology, they offer unique perspectives on budgeting, saving, and wealth creation.

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