1Price
Monarch lists $14.99 a month or $99.99 a year. Copilot lists $109 a year.
2Phones and computers
Monarch runs on iPhone, Android and the web. Copilot runs on iPhone, iPad, Mac and the web.
3If you budget as a couple
Copilot lists partner sharing as coming soon. Oaktally starts there: one plan for the bills, your own spending kept to yourself, from $5.99 a month for both of you.
4What Oaktally does not do yet
Oaktally does not connect to your bank. You add spending by voice, with a receipt photo or with a tap, which takes a few seconds and keeps you looking at every purchase.
5Checked on their own sites
Prices and features checked on each company's own site or App Store listing on October 28, 2026.
Frequently asked questions
Which is cheaper, Monarch or Copilot?
Paid yearly, Monarch is $99.99 and Copilot is $109.
Does Copilot work on Android?
Copilot lists iPhone, iPad, Mac and the web. Android is not listed.
Can I share Copilot with my partner?
Not yet. Copilot lists partner sharing as coming soon. Monarch lets you invite a partner now.
Further reading
Monarch pricing ↗Monarch: Shared Views ↗Copilot pricing ↗Educational examples, not individual financial advice.