Best Budgeting App in 2026: YNAB, Monarch, Copilot & Rocket Money Compared

The best budgeting apps in 2026 have moved far beyond spreadsheet-replacement: they track spending across linked accounts in real time, categorize transactions automatically, and — in the best cases — change how you think about money. YNAB remains the gold standard for behavioral change; Monarch Money is the best all-in-one; Copilot is the top pick for iPhone users who want aesthetics and intelligence. Here's how to choose.