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Monarch Money vs Copilot Money: catalog facts
Monarch Money	Copilot Money
Paid Paid subscription, with introductory discounts on the first year.	Paid Subscription with a one-month free trial.
Android, iOS, Web	macOS, iOS, Web
Automatic categorization of connected accounts Shared access for a partner or adviser at no extra cost	Spending, budgets, investments and net worth in one app Automatic transaction organisation
Requires an account and a paid subscription Financial data is held by a cloud service	No Android or Windows app Subscription required after the trial
Downloadable app, Web application, Hosted service	Downloadable app, Hosted service
Closed source	Closed source
License not stated	License not stated
Account needed	Account needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked September 23, 2026	Official website Full listing and sources Checked September 23, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.