Disclosure: Pocket Clear is our product. We believe it's a strong option, but we encourage you to evaluate all alternatives based on your needs.
The New Guard of Budgeting Apps
Monarch Money and Copilot Money are both post-Mint budgeting apps built with modern design sensibilities. Both require bank linking via Plaid, both have clean interfaces, and both cater to users who want automatic transaction tracking. The key differences come down to platform availability, pricing, and feature depth.
Feature Comparison
| Feature | Monarch Money | Copilot Money |
|---|---|---|
| Price | $14.99/mo ($99.99/yr) | $10.99/mo |
| Platforms | iOS, Android, Web | iOS only |
| Bank linking | Required (Plaid) | Required (Plaid) |
| Investment tracking | Yes | Yes |
| Net worth | Yes | Yes |
| AI features | Basic | AI categorization |
| Collaboration | Multi-user | No |
| Customizable reports | Yes | Limited |
The Budget-Friendly Alternative
If $11-15/month feels steep for a budget app — and you don't need bank linking — Pocket Clear offers expense tracking, budgets, and Partner Mode for $4.99/month. It works on both iOS and Android, doesn't require Plaid, and keeps your data on your device.
Try Pocket Clear Free
No bank linking. No ads. Works offline. Free forever, Pro for $4.99/month.
🍎 Download on App Store 🤖 Get it on Google Play