Copilot Money is a subscription budgeting app for iPhone, iPad, Mac and the web that tracks spending, budgets, investments and net worth for US accounts. It costs $95 a year or $13 a month after a one-month free trial, and there is no free plan.
The bottom line
A strong pick for US Apple users willing to pay $95 a year; skip it on Android.
7
Our score
7 / 10
Conversion Gems editorial verdict
$95/yr or $13/mo after a 1-month trial
Features8/10
8 - budgets with rollovers, recurring tracking, investments with intra-day updates and net worth, per Copilot's site.
Value6/10
6 - $95 a year with no free tier; monthly billing at $13 is pricey for one user.
Ease of use8/10
8 - automatic categorization and a one-month trial; setup is mostly linking accounts.
Ecosystem6/10
6 - 10,000+ US institutions and direct Venmo, Apple Card and Coinbase links; no Android app and no public API found.
Support6/10
6 - help center with guides; we did not verify live chat or phone support.
What it really is
A subscription budgeting and net worth app for Apple devices and the web, for US accounts.
Our take
Copilot Money is one of the apps people moved to after Mint closed, and it is built around Apple devices. You get budgets with rollovers, recurring tracking, investments and net worth in one place, with no ads. The trade-offs are plain: no free tier, no Android app and US accounts only. If you commit, the annual plan saves $61 a year over monthly billing.
Why we rate it
It combines budgets, recurring tracking, investment views and net worth across Apple devices and the web without ads.
The catch
No free tier, no Android app, and US financial accounts only.
Best for
US users on iPhone, iPad and Mac
Former Mint users who want a paid, ad-free app
People tracking investments next to their budget
Not good for
Android users who want a native app
Anyone with bank accounts outside the US
People who want a free budgeting app
Friction report
Time to value
Low: connect accounts and the app categorizes transactions for you.
Scale breakpoint
Flat price; no tiers to outgrow.
Walled garden
Moderate: data lives in Copilot's hosted service; native apps are Apple only.
Copilot Money pricing
Option
Price
What you get
Free trial
$0 for 1 month
Full app for new users
Annual
$95 a year (about $7.92 a month)
Every feature
Monthly
$13 a month ($156 a year)
Every feature; App Store in-app price
From Copilot Money's website and App Store listing, checked 4 October 2026.
Frequently Asked Questions
Copilot Money costs $95 a year on the annual plan or $13 a month on monthly billing, the App Store in-app price. There is one plan with every feature (checked 4 October 2026).
Only during the one-month free trial for new users. After that you need a paid subscription; there is no free tier (checked 4 October 2026).
Yes. It is a real app from Copilot Money, Inc., founded in 2019, and is listed on the Apple App Store. Copilot says it does not store your bank credentials, does not sell your financial data and shows no ads.
No. Copilot lists iPhone, iPad, Mac and the web. On Android or Windows you can use the web version in a browser.
Yes. It connects to more than 10,000 US financial institutions and has direct connections for Venmo, Apple Card and Coinbase. It supports US accounts only.
Both cover budgets, investments and net worth. Pick Monarch if you need an Android app; pick Copilot if you live in the Apple ecosystem and want its native Mac and iPad apps.
Copilot Money alternatives
Other budgeting apps in our directory:
Monarch Money: Budgets, investments and net worth with an Android app as well as iOS.
Rocket Money: Has a free tier and focuses on finding and cancelling subscriptions.
Quicken Simplifi: Quicken's lighter app for spending plans and cash flow.
Actual Budget: Free, open-source envelope budgeting you can run on your own device.
