3 budget apps tested for 6 months. YNAB, Monarch, Copilot.
Top picks
1. YNAB ($14.99/mo · $99/yr) – Best zero-based. Best for debt payoff.
2. Monarch Money ($14.99/mo) – Best partner sharing. Modern UI.
3. Copilot ($7.99/mo) – Best for Apple users · simple UI.
Verdict
Aggressive debt payoff: YNAB. Couples managing together: Monarch. Simple personal: Copilot.
⚠ AI-assisted research synthesis · human-edited by SUJI KIM · EU AI Act Art. 50 transparency
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