Copilot Money review

Copilot Money suits people who want a budget that mostly keeps itself up to date. Its money assistant cleans up messy bank data, such as wrong categories and unmatched refunds, and it can run standing instructions like tagging every charge on a trip. When your habits change, for example spending less on gas and more on transit, it suggests a budget change and waits for you to approve it. Your first budget is based on your real spending, categories can carry their own colors and emojis, and alerts warn you about low balances or big charges. Copilot also tracks investments, net worth and subscriptions, and shows what each Amazon order contained and the note on each Venmo payment. There is one plan with no tiers, listed at $109 a year at the time of checking. The limits are platform and sharing: there is no Android app, and household sharing for up to three people is listed as coming this fall.

Who it is for

Apple users who want automatic categories and budget suggestions with little manual work.

Price

$109 billed yearly (about $9 per month); one plan with no tiers.

$9 per month $109 billed yearly, instead of $119.
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Money assistant that fixes miscategorized transactions and matches refunds
• Budget suggestions based on how your spending shifts, with your approval
• Works with 16,000+ institutions, with Amazon item and Venmo note details
• Investment, net worth and subscription tracking
• Alerts for low balances and big expenses

Strengths and weaknesses

• Strength: One plan with everything included, no AI credits or add-ons
• Strength: First budget built from your real spending
• Strength: Support from real people inside the app
• Weakness: No Android app; runs on iPhone, iPad, Mac and web
• Weakness: Partner sharing is listed as coming this fall
• Weakness: No free plan

Key facts

• Platforms: iPhone, iPad, Mac, Web
• Institutions: 16,000+
• Plans: One plan, no tiers
• Household sharing: Coming this fall, up to 3 people
• App Store rating: 4.8 stars, 31,000+ ratings

Where it ranks

Copilot Money is No. 3 in our Best Budgeting Apps verdict.