There's a dedicated investments tab (which is separate from an Accounts tab like Monarch has) and has things like allocations (though I'd like to see more here like Personal Capital has) and even live balance estimates (for before they get data from the institutions after the market closes). Both services ingest data from investments, but once again I find CoPilot's UI easier to use, faster to parse, and more informative. At a quick glance, I can see not only progress towards my total monthly budget - which incorporates upcoming recurring payments (unlike Monarch), but I can also quickly see how much over or under my monthly budget I'm tracking (with a nice spending target line to calibrate against) and also, quickly see how I'm tracking for each individual category's budget (which Monarch only has numbers for and requires a lot of scrolling up and down in the app).

Both services have budgets with grouping and rollovers, but CoPilot's UI and tracking is far superior for me. I use Amazon a lot and so having more granular details of what each order consisted of makes categorization far easier. Both services connect to the institutions I use fine (though both have an issue with Morgan Stanley at the moment), but CoPilot also provides Amazon integration. Tl dr: CoPilot is far better for my needs right now. Secondly, I am using these apps primarily to track monthly budget expenditure and my net worth / investment portfolio. I started using both services two months ago and have paid for a full year for both.įirstly, I am in the Apple ecosystem (so no issues with CoPilot's platforms of choice at the moment - though they've stated web and Android are coming in 2024) and I primarily use the mobile apps, because they are faster and I can categorize things in real time.

Moneydance vs mint