Copilot Money vs Monarch Money:Which is more popular?
In September 2026, Monarch Money had more branded searches than Copilot Money among personal budgeting apps worldwide. Monarch Money had about 114,000 branded searches, while Copilot Money had 19,400. Monarch Money made up 32.3% of all personal budgeting app searches we track, and Copilot Money accounted for 5.5%. When we asked ChatGPT and Google AI Overviews about personal budgeting apps, Monarch Money appeared in all five answers and Copilot Money in one. Monarch Money was mentioned before Copilot Money in every answer.
Who do people search for more?
Monarch Money, about 6 searches for every 1 for Copilot Money
Who does AI mention more?
Monarch Money, mentioned in every answer we collected
Who does AI recommend more?
Monarch Money, named ahead of Copilot Money in every answer
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Top personal budgeting apps in ChatGPT and Google AI Overviews
In three ChatGPT questions and two Google AI Overviews, Monarch Money appeared in all five answers. Copilot Money was mentioned in one out of five: in one of the three ChatGPT answers, but not in either of the two Google AI Overviews. Monarch Money was listed before Copilot Money in every answer.
Most recommended by AI
Brands get a higher ranking if they are mentioned earlier in the answers.
- Monarch Money1st
YNAB2nd
Quicken Simplifi3rd
Empower4th
Goodbudget5th
PocketGuard6th
Copilot Money7th
Mentioned by AI
Each dot is one answer, filled in when that answer mentions the brand.
- YNAB5 of 5Named in 3 of 3 ChatGPT answersNamed in 2 of 2 Google answers
- Monarch Money5 of 5Named in 3 of 3 ChatGPT answersNamed in 2 of 2 Google answers
- Quicken Simplifi4 of 5Named in 3 of 3 ChatGPT answersNamed in 1 of 2 Google answers
- Goodbudget4 of 5Named in 3 of 3 ChatGPT answersNamed in 1 of 2 Google answers
- Empower4 of 5Named in 2 of 3 ChatGPT answersNamed in 2 of 2 Google answers
- PocketGuard2 of 5Named in 0 of 3 ChatGPT answersNamed in 2 of 2 Google answers
- Copilot Money1 of 5Named in 1 of 3 ChatGPT answersNamed in 0 of 2 Google answers
See every answer about personal budgeting apps
5 answers
Asked ChatGPT
“Which personal budgeting app should I use?”
Asked ChatGPT
“What are the best personal budgeting apps?”
Asked ChatGPT
“What's the best personal budgeting app for tracking spending?”
Searched Google, AI Overview
“best budgeting app”
Searched Google, AI Overview
“budget app”
Brands are shown in the order each answer named them. The survey took place in the United States on October 21, 2026.
Is Copilot Money or Monarch Money more popular in search?
This chart shows how often people search Google for Copilot Money and Monarch Money by name. Each line represents a brand's share of searches for all seven personal budgeting apps we track, month by month, from English-language searches worldwide.
Share of searches by month for Monarch Money, Copilot Money. The figures are in the table below the chart.
View monthly share of searches table
| Month | YNAB | Monarch Money | Quicken Simplifi | PocketGuard | Copilot Money | Goodbudget | Empower |
|---|---|---|---|---|---|---|---|
| Oct 2025 | 43% | 24.8% | 12.1% | 8% | 3.5% | 6% | 2.7% |
| Nov 2025 | 45.5% | 22.4% | 12.3% | 8.8% | 3.8% | 5.3% | 1.9% |
| Dec 2025 | 42.8% | 23.6% | 13% | 7.6% | 6% | 5.6% | 1.4% |
| Jan 2026 | 43.9% | 23.4% | 14.6% | 5.3% | 5.9% | 5.5% | 1.4% |
| Feb 2026 | 43.9% | 23.1% | 14.3% | 8.2% | 4.7% | 4.4% | 1.3% |
| Mar 2026 | 42.2% | 22.5% | 14.1% | 9.9% | 5.6% | 4.3% | 1.3% |
| Apr 2026 | 43.2% | 22.4% | 14% | 9.9% | 5.6% | 3.5% | 1.3% |
| May 2026 | 45.3% | 23.9% | 12.9% | 7.5% | 6% | 3.1% | 1.4% |
| Jun 2026 | 47.3% | 24.7% | 13.5% | 5.5% | 5.1% | 2.6% | 1.4% |
| Jul 2026 | 39% | 33.7% | 12.4% | 4.8% | 5.8% | 2.9% | 1.3% |
| Aug 2026 | 37.4% | 33.5% | 14.1% | 4.8% | 5.7% | 2.9% | 1.6% |
| Sep 2026 | 37.1% | 32.3% | 14.5% | 5.6% | 5.5% | 3.4% | 1.5% |
How has the Copilot Money and Monarch Money comparison changed over the last 12 months?
3 findings
- Monarch Money was ahead of Copilot Money in every measured month of the 12 months ending September 2026.
- Across the 12 months ending September 2026, Copilot Money’s share of searches among personal budgeting apps worldwide moved from 3.5% to 5.5%, and its estimated monthly branded searches moved from 15.9K to 19.4K.
- Across the 12 months ending September 2026, Monarch Money’s share of searches among personal budgeting apps worldwide moved from 24.8% to 32.3%, and its estimated monthly branded searches moved from 113K to 114K.
How did search popularity change for personal budgeting apps worldwide in September 2026?
3 changes
In September 2026, PocketGuard overtook Copilot Money to rank 4th among personal budgeting apps worldwide, with 5.6% of the searches.
In September 2026, Monarch Money lost share of searches among personal budgeting apps worldwide, from 33.5% to 32.3%.
Estimated monthly branded searches for Copilot Money worldwide rose 22.1% over 12 measured months, from 15.9K to 19.4K in September 2026.
How are branded searches counted?
7 search terms
Brandwave collects information about searches that people make online using Copilot Money’s and Monarch Money’s names. When viewed over time, estimated search volumes for these branded terms can be used to understand whether interest in the brands is growing, holding steady, or fading.
Copilot Money
4 branded search terms
- copilot money
- copilot money app
- copilot money budget
- copilotmoney
Monarch Money
3 branded search terms
- monarch money
- monarch money app
- monarch money budget
Other head-to-heads among personal budgeting apps
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