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Copilot Money review: Is it worth it in 2026?

By Nicolas Straut
Published 7 min read
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Key takeaways

  • Copilot Money has no free plan. It costs $95 a year or $13 a month after a one-month free trial, and it runs on iPhone, iPad, Mac, and the web.1
  • When deciding whether Copilot Money is worth it, check your devices and how you'll share it. There's no Android app, and a partner signs in to your account rather than getting their own.
  • Copilot Money fits an Apple user who wants spending sorted automatically. Monarch Money Core costs $4.99 more a year and adds Android and a free partner seat.
In this article

Copilot Money is worth it if you use Apple devices or the web and want your spending sorted for you, because that's where the $95 goes. It costs $95 a year or $13 a month, with no free plan and no Android app. This review covers who it fits, what it costs to leave, and the alternatives.

What is Copilot Money?

Copilot Money is a paid personal finance app that brings your spending, budgets, investments, and net worth into one place.2 Andrés Ugarte founded it in 2019, and it runs on iPhone, iPad, Mac, and the web for US accounts only. It shows no ads, earns its revenue from subscriptions, and has nothing to do with Microsoft's Copilot.

Who is Copilot Money for?

Copilot Money is for one person, or one shared household account, that wants a clear picture of money without much manual work.

iPhone, iPad, and Mac users

iPhone, iPad, and Mac users get the most from Copilot Money, because one subscription covers every Apple device plus the web app. Copilot was an Apple Design Award finalist in 2024 and an Apple Editor's Choice in personal finance.

People who want spending sorted for them

If you'd rather review categories than type them, Copilot sorts each transaction automatically and gets more accurate as you correct it. You'll spend your time checking the result, not building it.

Investors who check balances often

Investors who like to watch their accounts get intra-day investment updates and a comparison with market indexes, next to a running net worth. To see how your total stacks up, compare it with net worth by age.

Copilot Money pros and cons

Copilot Money's pros are automation and design, and its cons are about who it leaves out.

Copilot Money pros

  • Transactions sort themselves, and the sorting learns from your corrections.
  • One subscription covers iPhone, iPad, Mac, and the web.
  • Investments update during the trading day, with index benchmarks.
  • No ads, and Copilot doesn't sell your financial data.

Copilot Money cons

  • There's no free plan and no Android app.
  • It connects US accounts only.
  • A partner shares your login, and every signed-in device has full control.
  • A refund is possible only within one month of your first purchase, and only if you paid Copilot directly.

How Copilot Money categorizes and budgets

Copilot Money categorizes your spending with Copilot Intelligence, which reads your patterns over time and sorts each new transaction for you. You review what it got wrong, and it learns from the fix.

Budgets adapt to how you spend, and you can turn on rollovers so last month's surplus or overspend carries forward, category by category. Recurring bills, subscriptions, and savings goals tied to specific accounts sit alongside the budget, and custom alerts flag overdraft fees, unusual spending, and paydays.

Copilot Money features

Copilot Money features beyond the budget come down to three things: investments and net worth, the Money Assistant, and sharing.

Investments and net worth

Copilot tracks investments with intra-day updates and benchmarks them against market indexes, and it adds up your net worth across accounts, assets, and liabilities. Its feature list has no retirement forecast, so it shows where your 401(k) stands today, not whether it'll be enough.

Money Assistant

The Money Assistant is a chat tool, still in beta, that answers questions about your own data, such as what you spent on restaurants last month. It doesn't give personalized investment advice. For apps built around an AI adviser, see the best AI financial advisors.

Sharing with a partner

Sharing with a partner means sharing one account, not adding a second login. You forward Copilot's magic sign-in link to your partner, and any device signed in that way has full control. Copilot suggests category groups and tags so each person can see their own spending.

How much does Copilot Money cost?

Copilot Money costs $95 a year or $13 a month, and every new user gets a one-month free trial first.

Scroll horizontally to see more columns.
PlanPriceWorks out toFree trial
Yearly$95 a year$7.92 a monthone month
Monthly$13 a month$156 a yearone month

Tweed read Copilot's pricing and FAQ pages on October 26, 2026.

Paying yearly saves $61 over twelve monthly payments. Five years of the yearly plan at today's price comes to $475. Copilot keeps legacy pricing for subscribers who started before a price change and never let their plan lapse, so a gap in your subscription can cost you that rate.

How much does it cost to leave Copilot Money?

Leaving Copilot Money costs whatever you've prepaid, unless you paid Copilot directly, cancel within one month of your first purchase, and email support within five days of cancelling, in which case you'll get a full refund.3 Outside that window, Copilot's terms make the plan nonrefundable.

A plan bought in the iPhone, iPad, or Mac App Store is refunded only by Apple, under Apple's rules. Subscribing on the web goes through Copilot's own billing, so that's the route that keeps the refund window open.

Cancelling stops the next renewal, and you keep access until the period you paid for ends. Before you delete the account, export your transactions from Settings, with categories and notes, so the record goes with you.

Is Copilot Money worth it in 2026?

Copilot Money is worth it in 2026 if you're on Apple devices or the web and want the app to do the sorting. At $95 a year, or $7.92 a month, it costs less than Monarch Money Core and YNAB.

It doesn't fit an Android user, a couple who want separate logins, anyone banking outside the US, or anyone who wants a free plan. If you're ready to try it, start the trial on the web and decide within the first month, so the refund option stays open.

Copilot Money vs the alternatives

Copilot Money vs the alternatives comes down to your devices, whether you want a free plan, and how much budgeting you'll do by hand.

Scroll horizontally to see more columns.
Copilot MoneyMonarch MoneyYNABRocket MoneyEmpower
Best forApple and web users who want automatic sortingCouples who budget and track net worth togetherBudgeters who plan each dollar aheadPeople who want a free plan and help cutting subscriptionsInvestors who want a free net worth dashboard
Free planNoNoNoYesYes, the dashboard
Paid price$95 a year or $13 a monthCore $99.99 a year or $14.99 a month$109 a year or $14.99 a monthPremium on a sliding scale you choose, Premium+ $15 a monthAdvice from 0.89% a year, $100,000 minimum
Free trialone month7 days, payment method required34 days, no card when you sign up directly7 days on PremiumNone needed for the dashboard

Tweed read each company's pricing page on October 26, 2026, and Empower's figures come from Tweed's Empower review.

Copilot Money vs Monarch Money

Copilot Money vs Monarch Money is close on price, since Monarch Core costs $99.99 a year, $4.99 more than Copilot.4 Monarch adds an Android app and a free partner with their own login, and its trial is 7 days with a payment method. Our Monarch Money review covers its Core and Plus plans.

Copilot Money vs YNAB

Copilot Money vs YNAB is automatic vs hands-on, because YNAB asks you to plan every dollar before you spend it. YNAB costs $109 a year, $14 more than Copilot, with a 34-day trial and no card.5 Up to six people can share one YNAB subscription, as our YNAB review explains.

Copilot Money vs Rocket Money

Copilot Money vs Rocket Money is paid vs free, because Rocket Money has a free plan and Copilot doesn't. Rocket Money Premium is priced on a sliding scale you choose, and Premium+ costs $15 a month.

Copilot Money vs Empower

Copilot Money vs Empower is budget vs dashboard. Empower's net worth dashboard is free, and Empower earns from advice that costs 0.89% a year with a $100,000 minimum. Our Empower review covers its fees, and Empower alternatives covers other free options.

Copilot shows where your investments stand, not whether they'll last, so run the Tweed Retirement Calculator for that answer. Then add up what you own and owe in the Tweed Net Worth Calculator, which counts the same accounts Copilot tracks.

Frequently asked questions about Copilot Money

Is Copilot Money safe?

Yes, Copilot Money is safe to connect for most people, because it reads your accounts through read-only integrations and never stores your bank credentials. It can't move money, since it isn't a bank. You can also lock the app with Face ID and turn on two-factor sign-in in its settings.

Does Copilot Money sell your data?

No, Copilot Money doesn't sell your financial data and doesn't show ads. Its FAQ says its revenue comes entirely from subscriptions. You can download all of your transactions, with categories and notes, from Settings at any time, and you can delete all of your data whenever you like.

Is Copilot Money owned by Microsoft?

No, Copilot Money isn't owned by Microsoft. It's an independent app from Copilot Money, Inc., founded in 2019 by Andrés Ugarte, and its FAQ states it has no affiliation with Microsoft. The shared name causes the mix-up, which is why you'll see the app called Copilot Money in full.

Does Copilot Money work outside the US?

No, Copilot Money doesn't work outside the US. It supports US-based financial institutions and accounts only, so you can't connect a bank in Canada, the UK, or anywhere else. If you live abroad or keep most of your money in a foreign bank, Copilot can't track it for you.

Is there a Copilot Money referral code?

Yes, Copilot Money has referral codes. A friend's code gives you an extended free trial, and you enter it when you start your first trial. It won't work once you've already started or used a trial. The person who referred you earns free months of Copilot in return.

Can you try Copilot Money without connecting your bank?

Yes, you can try Copilot Money without connecting your bank. Its test drive lets you look around before you link a single account. The free trial itself asks you to pick a monthly or yearly plan first, and it renews automatically, so cancel before it ends if you decide against it.

Does Copilot Money work with Apple Card and Venmo?

Yes, Copilot Money works with both. Apple Card and Coinbase connect directly, and Venmo comes in through an email-forwarding integration. Copilot can also match Amazon orders to your card charges, so one Amazon transaction shows what you bought rather than a single total.

Sources

  1. https://www.copilot.money/
  2. https://www.copilot.money/faq
  3. https://help.copilot.money/en/articles/6860727-managing-your-copilot-subscription
  4. https://www.monarch.com/pricing
  5. https://www.ynab.com/pricing
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