Copilot Money app review: pricing, budgeting and net worth tracking features, iOS/Mac/web support, and how it compares to other finance apps.
Category
Productivity
Pricing
Subscription (no free tier beyond a limited trial), from 13 USD per month, or 95 USD billed annually
Verified
Not yet
Last updated
July 19, 2026
Founded
2020
Headquarters
New York, New York, United States
Which 'Copilot' This Profile Covers
The name Copilot is shared by multiple unrelated products: Copilot Money (a personal finance app), Copilot.com (an agency client-portal platform that rebranded to Assembly in 2025), GitHub Copilot (an AI coding assistant), and Microsoft Copilot (Microsoft's AI assistant across its productivity suite).
This profile covers Copilot Money at copilot.money because it is the product still actively operating under the standalone 'Copilot' brand name as of 2026; Copilot.com no longer uses that name after its Assembly rebrand, and GitHub Copilot and Microsoft Copilot are sub-brands of much larger platforms rather than standalone products.
What Copilot Money Does
Copilot Money is a subscription budgeting and net-worth tracking app that connects to bank, credit card, and investment accounts to automatically categorize transactions using AI, track spending trends, and monitor investment performance.
Built natively for Apple platforms first, it launched on iPhone, iPad, and Mac before adding a limited web app in December 2025.
Copilot Money Pricing
Copilot Money charges 13 USD per month or 95 USD billed annually, with no persistent free tier beyond a one-month App Store trial.
Users can sometimes extend their trial to two or three months using referral codes shared by existing subscribers.
Key Features
AI-assisted transaction categorization — Automatically sorts transactions into spending categories using machine learning, reducing manual budgeting upkeep.
Net worth tracking — Aggregates linked bank, credit, and investment accounts into a single net worth view over time.
Native Apple app experience — Built first for iPhone, iPad, and Mac with platform-native design rather than a ported web app.
Direct institution integrations — Includes direct integrations with services such as Venmo, Apple Card, and Coinbase, alongside broad bank connectivity.
Budgeting and spending trend analysis — Sets budgets and visualizes spending trends month over month to highlight overspending patterns.
Limited web app — A web app launched in December 2025 offers transaction filtering and basic metrics, complementing the mobile and desktop apps.
Referral trial extensions — Existing users can share referral codes that extend a new user's free trial period.
Pros & Cons
Pros
Polished, native Apple design across iPhone, iPad, and Mac
AI-assisted categorization is widely praised in reviews for accuracy
Combines budgeting, spending, and investment tracking in one app
Broad account connectivity to tens of thousands of institutions
Direct integrations with Venmo, Apple Card, and Coinbase
Cons
No persistent free tier; requires an ongoing paid subscription
Historically Apple-only, with the web app still limited in functionality as of early 2026
No dedicated Android app
Higher price point than some budgeting competitors that offer free tiers
Small company size relative to larger fintech competitors
Pricing
Monthly 13 USD monthly
Annual 95 USD annual
Frequently Asked Questions
What is Copilot Money?
Copilot Money is a subscription personal finance app that tracks spending, budgets, investments, and net worth, built natively for Apple devices with a limited web app added in December 2025.
How much does Copilot Money cost?
Copilot Money costs 13 USD per month or 95 USD billed annually, with a one-month free trial available through the App Store.
Is Copilot Money the same as GitHub Copilot or Microsoft Copilot?
No, Copilot Money is an unrelated personal finance app. GitHub Copilot is an AI coding assistant and Microsoft Copilot is Microsoft's AI assistant across its productivity products.
Is Copilot Money the same as Copilot.com?
No, Copilot.com was a client portal and billing platform for service agencies that rebranded to Assembly in 2025 and no longer operates under the Copilot name.
Does Copilot Money have an Android app?
As of 2026, Copilot Money remains focused on iPhone, iPad, and Mac, with a limited web app added in December 2025; there is no dedicated Android app.
When was Copilot Money founded?
Copilot Money was founded in 2020 and is headquartered in New York City.
Does Copilot Money have a free plan?
No, Copilot Money is subscription-only, though it offers a one-month free trial through the App Store, sometimes extendable via referral codes.
What financial accounts can Copilot Money track?
It connects to tens of thousands of banks and financial institutions and includes direct integrations with services like Venmo, Apple Card, and Coinbase.