Head-to-head
Copilot vs Monarch
Copilot
70
Winner
Monarch
Monarch
80
Monarch has a slight edge over Copilot due to its more consistent account syncing and better overall user satisfaction, despite both apps facing similar challenges with connectivity.
Both Copilot and Monarch are highly-rated personal finance apps, but Monarch generally offers more reliable account syncing and a more robust feature set for budgeting and family collaboration, while Copilot struggles with frequent connectivity issues and slower feature development.
Head to head
Copilot Copilot is praised for its clean design, ease of use, and ability to track transactions, categorize spending, and set budgets R8. Users appreciate its native iOS app experience R5 and the ability to see all transactions across various accounts in one spot R8R26. However, users note missing features like tracking expenses from brokerage accounts R9, categorizing manual entries R13, transaction matching , and advanced automation . Some also find the budgeting interface convoluted R42 and the goals feature inaccurate .
Monarch Monarch is lauded for its comprehensive budgeting features, including categories and rollover ability , and its effectiveness in helping families track and manage finances collaboratively . Users find it easy to use, with an intuitive interface . It's seen as a strong Mint replacement . However, some users wish it didn't auto-categorize transactions and found its export features seriously lacking . It's also noted that the iPad app has reduced capabilities compared to the web version , and it's not ideal for debt payoff tracking .
Copilot Copilot is generally considered easy to set up and use, with an intuitive UI/UX R11R26. Users appreciate its clean design and how it simplifies money management R11. However, some users find the interface non-intuitive R42 and report issues with manual transaction entry being cumbersome R15.
Monarch Monarch is praised for being easy to use and user-friendly, with a pleasant layout . Many find it intuitive and a good way to get family finances in order . However, some users describe it as 'not super intuitive' initially and find the interface confusing or not intuitive, requiring excessive time to learn .
Copilot Copilot users frequently report significant syncing issues, with accounts not updating, transactions not showing, or accounts disconnecting R3R7R10R21. There are also numerous complaints about the app crashing on opening, especially after updates R1. Data accuracy is a concern, with reports of double-counted transactions R5 and incorrect investment values .
Monarch Monarch also faces reliability issues, with many users reporting accounts frequently disconnecting R85. Some experience duplicate transactions R61 and incorrect data for holdings and returns R82. Users are frustrated by being forced to update the app to use it . However, some users report few syncing issues and that accounts stay connected 'for the most part' .
Copilot Copilot is considered expensive at $95/year R26R28R34. Users question the value given the frequent bugs, slow feature development, and connectivity issues R12R28R34. Some feel it's not worth the premium price if accounts don't connect R33. However, others find it well worth the price for its features and ability to simplify money management R26.
Monarch Monarch is also considered pricey . Some users feel it's not any better than free apps or that a spreadsheet can offer similar functionality for free . There are complaints about deceptive billing practices and being charged after canceling R67. However, many users believe it's worth every penny for its quality and comprehensive features .
Copilot Copilot's customer service receives mixed reviews. Some users praise it as prompt, helpful, and responsive R20. However, many others report slow responses, inability to solve problems, and unhelpful or unprofessional interactions, often with only a chat bot available R7R10R25R28. The in-app chat is inaccessible when the app crashes .
Monarch Monarch's customer support is frequently criticized for being slow to respond or unhelpful R67R82R85. Users note the lack of phone support R61 and that support often provides canned messages or blames third-party services like Plaid R85. There are also reports of being unable to contact support after cancellation issues R67.
Pick Copilot if
you prioritize a native iOS app experience, a clean design, and responsive customer support for general money tracking and budgeting, and are willing to tolerate occasional syncing issues and slower feature development R5R11R20R26.
Pick Monarch if
you need a robust budgeting app, especially for family collaboration, that offers comprehensive features and is considered a strong Mint replacement, and you can overlook some initial learning curve or occasional account disconnections .
Evidence note: Both apps have a high number of reviews, but recent negative reviews for Copilot frequently highlight critical app crashing and syncing issues, which significantly impact its perceived reliability despite a high lifetime rating. Monarch also has connectivity issues, but they appear less severe or less frequent than Copilot's recent reports.
Frequently asked
Which app is better for account syncing?
Monarch generally has a slight edge in account syncing reliability, with some users reporting few issues and accounts staying connected 'for the most part' , though many still experience frequent disconnections R85. Copilot, however, is plagued by more consistent and severe syncing problems, including accounts not updating, transactions missing, and frequent reconnections required R3R7R10R21.
Is Copilot worth its price?
What reviewers actually said
Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.
- [R5] Copilot Mostly love, sometimes glitchy: Love that it’s a native iOS app and not another web-based money app. It’s not really a budgeting app in the strict zero-based-budgeting way but it’s more of a money tracking and forecasting method of budgeting app. Great for conveniently searching up prior purchases and keeping tabs on where my money went but sometimes it double counts certain transactions and that
- [R8] Copilot Amazing personal finance tracker!: I’ve been using this app for almost a year now and love it. It makes it super easy to see all of my transactions across credit cards, Venmo, and investment accounts in one spot and I love being able to categorize transactions and set a budget for each category. One additional feature I would really like to see my save rate on the cash flow page. I can do some m
- [R9] Copilot Need to be able to tracks expenses out of brokerage accounts: I moved some of my transactions to come out of my brokerage account and copilot does not track those. The only work around is to manually track which I don’t want to do. It works fine on pretty much everything else (like credit cards, normal bank account) but this is a deal breaker for me. I won’t renew my membership if this doesn’t g
- [R13] Copilot Can’t categorize manual entries: Not being able to add categories to manual entries is nonsense. Can’t get accurate view.
- [R11] Copilot Simplifies Money Management: Intuitive Set up and all the features needed. Ive tried MANY money management tools and as a former user design & support contact, I’m aware of how difficult it is to program something complex yet make it work seamlessly for all user levels. If the app stays this reliable and safe, I’m a customer for life.
- [R15] Copilot So Close To Being Really Good: I really wanted to use Copilot and tried to make it work, but there were too many little annoyances that finally made me give up. One of them was having to manually create two transactions for things like my car payment. For whatever reason, Plaid couldn’t connect to my car loan account, so I had to manually add it. The rigamarole of having to create manual trans
- [R26] Copilot Best Budget App: After spending 8 years using Mint, then about 5 years using Personal Capital (Empower), I came across this gem! Best budget app I’ve used yet - extremely polished mobile app, and it has everything you need - accounts history, categories, tags, syncs very well with most banks, custom goals. It’s well worth the $95/year! Kudos to the developers as well for creating an easy to use UI
- [R42] Copilot Non-intuitive interface: I feel there is more focus on aesthetics than function with this app. The budgeting was too convoluted for my taste.
- [R1] Copilot This app did not work well: I was able to login one time and never able to login again and have not been able to delete from my information from this app
- [R3] Copilot Good not great: Used to be a great tool when I first started using it. Recently it hasn’t been updating my checking and credit card balances. When reverifying credentials it bugged out and added my accounts again. This skewed my data and gave me a headache. Having to delete and start from scratch.
- [R7] Copilot Many syncing issues: I have been using this app since late last year. Still, there are various syncing issues consistently. For example, the current one is that the transactions of my bank accounts from jan to April are not showing which distorts my finance picture significantly. Also, when I reached out for customer service (only chat box available no call) has been slow and quite often cannot so
- [R28] Copilot Expensive and doesn’t work: They deleted my last review, but for $95 a year the app should actually work 100% of the time. Accounts constantly need reconnection. Their ai support agent hallucinates and I haven’t been able to get in touch with a real person. I will be looking for alternatives.
- [R33] Copilot Some Institutions Are Broken: Can’t add certain institutions even though support is working on it. I can’t with my whole chest justify paying money for this if I can’t add the institution and I’m not adding it manually. Like what would i being paying for then
- [R34] Copilot Only get if you like it as-is: New “features” are developed at a snails pace. They also took away the ability to see and vote on what features we (users) want to see in the app. No way to see the status of bugs and feedback or updates on concerns is nonexistent. 95$ a year is way too expensive for an app that is not improving at all and wishes it is as great as Mint once was.
- [R10] Copilot Seeing bugs but no solutions for a long time: The app has terrible issues where my reviewed transactions are lost and having trouble connecting to Fidelity. The customer service team is unprofessional and providing no support or remedition.
- [R20] Copilot Great app: Responsive app support after resolving a bug.
- [R25] Copilot Wonderful Portfolio Manager but....: I've thoroughly enjoyed using this app to help manage my finances. It has help find missed recurring payments, understand where my money is spent as well as a plethora of other benefits. Issues with this is in the integrations with financial institutions and very importantly, support when something isn't going as planned. In the last year of using the app, I
- [R21] Copilot Relies too much on Plaid services: Started a yearly subscription in the beginning of 2026. Halfway through, my accounts stopped syncing and ruined all the tracking of my investments, categories, and cash flow. And they blamed it on Plaid, the company they used to track your accounts. Shouldn’t build an app that relies heavily on another company that they can’t control. Tried to get a refund, but s
- [R12] Copilot Good, but feels like they gave up: Mostly good, but slow to implement basic features. It feels like they did a sprint to launch and stopped improving it. Disappointed given the premium price point.
- [R61] Monarch No phone support, app freezing: There is no phone number for support and there’s a lot of duplicate like rent. My “July Progress” won’t load. I tried multiple times and researching online how to fix it and i can’t fix it.
- [R67] Monarch Missing a key feature: Unfortunately I have to update my review. I cancelled my Monarch subscription months ago when they stopped supporting access to my bank. I cancelled again when they sent me a reminder in May. They charged me anyway. I have contacted customer service but received no response. I’m left either no choice but to dispute the charge and replace my card as they clearly intend to kee
- [R82] Monarch Inaccurate Info: Incorrectly showed holdings and returns (showed losses on strong increase days). Support was very slow to respond and not helpful at all. Cancelled after 6 months for a refund. Look elsewhere and save the headache.
- [R85] Monarch Unable to keep accounts synced: I really want to give five stars but can't because they cannot keep accounts synced. When you contact help they ask you to resign in which works 1/4 of the time and the others support responds back with canned messages like are you sure you own the account?? Mean while their sync status page will show issues with the major providers. You can do better.
Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store