Short, direct answers to the questions we hear most — pricing, security, AI, and how MoneyPatrol compares to other money apps.
MoneyPatrol starts at $49/year for the Essential plan, $79/year for Premier, and $99/year for Power. Every plan offers annual or lifetime billing, and Essential includes a 15-day free trial.
There are no per-cancellation fees, no ads, and no free tier — pricing is transparent and one-time lifetime plans are available.
Yes. MoneyPatrol uses TLS 1.2+ encryption in transit and AES-256 at rest, connects to accounts read-only via Plaid, and never stores your bank credentials. Two-factor authentication is available on every account.
Yes. MoneyPatrol uses Plaid to establish read-only connections to more than 15,000 US and international banks, credit cards, brokerages, and lenders. Credentials stay with Plaid, not MoneyPatrol.
AI Copilot chats with you in plain English about your money — spending summaries, subscription flags, cash-flow forecasts, and one-tap next actions grounded in your real accounts, not generic advice.
MoneyPatrol runs on iOS, Android, and web starting at $49/year and includes credit monitoring and cash-flow forecasting; Copilot Money is Apple-only starting around $95/year.
See the full breakdown at /compare/moneypatrol-vs-copilot-money.
Both cover household budgeting and net worth. MoneyPatrol adds always-on AI Copilot, credit monitoring, and a lifetime plan at half Monarch's annual price.
Yes. Every plan tracks investment accounts, real estate, crypto, and liabilities to produce a single live net-worth figure updated daily.
MoneyPatrol automatically flags recurring charges, price hikes, and forgotten trials, and shows the exact monthly and annual impact so you can cancel directly with the merchant — no service fee.
Prefer the long form? Visit /faqs, or read the full comparisons under /compare.
15-day free trial on Essential · Trial terms
