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Rocket Money vs Copilot Money
Rocket Money scores higher overall (8.2 vs 8.1), but the right pick depends on what you need.
Choose Rocket Money if…
People who want an assistant that actually cuts recurring costs, not just reports them
8.2/10★★★★★Full review →Choose Copilot Money if…
iPhone and Mac users who want the most polished budgeting app
8.1/10★★★★★Full review →Side by side
| Rocket Money | Copilot Money | |
|---|---|---|
| Overall score | 8.2/10 | 8.1/10 |
| Rank in category | #2 of 10 | #3 of 10 |
| Price | Freemium · from $7/month | Free trial · from $13/month |
| Free version | Budgeting, spending tracking and subscription finder | — |
| Platforms | Web, iOS, Android | Web, iOS, Mac |
| Made by | Rocket Money (Rocket Companies) | Copilot Money, Inc. |
| Money insight quality | 8 | 8.5 |
| Ease of use | 8.5 | 9 |
| Features | 8 | 7.5 |
| Value for money | 8 | 8 |
| Platforms | 9.5 | 7 |
Rocket Money: what the AI does
- Rowan AI agent over text message
- Proactive alerts for price increases, free trials and forgotten subscriptions
- Cancels subscriptions and negotiates bills on request
- Recategorises transactions and creates rules by chat
- Answers spending questions in plain English
- Only app here whose AI takes real actions like cancelling and negotiating
- Useful free plan
- Huge user base and broad platform support
- Rowan is locked to the $15/month Premium+ tier
- Lowest App Store rating of the major budgeting apps here
- US-focused service
Copilot Money: what the AI does
- Copilot Intelligence auto-categorisation that learns your habits
- Adaptive budgets
- Alerts for unusual spending and overdraft risk
- Subscription and recurring-charge detection
- Apple Editor's Choice with a standout design
- Categorisation learns from your corrections
- Investment tracking with benchmarks
- Never sells data or shows ads
- No Android app; Android users only get the web app
- No free plan after the trial
- No AI chat assistant that can answer open questions