Best for: iPhone and Mac users who want the most polished budgeting app
Price: Free trial · from $13/month
Platforms: Web, iOS, Mac
Made by: Copilot Money, Inc.
App store ratings: iOS 4.8★ (30.5K)

What it is

Copilot Money tracks spending, budgets, investments and net worth in one polished app. Its Copilot Intelligence engine categorises transactions automatically and learns from your edits, and adaptive budgets adjust to how you actually spend. It runs on iPhone, iPad, Mac and, since December 2025, the web.

Latest: Copilot Money launched a web version in December 2025.

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

Pros and cons

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

How it scores

Money insight quality8.5

Ease of use9

Features7.5

Value for money8

Platforms7

Excellent automatic categorisation and the best design here at a fair price. The lack of an Android app holds back its platform score.

Feature checklist · 5 of 9

Ask an AI assistant questions about your money (no)
Sorts transactions into categories automatically (yes)
Links to bank and card accounts automatically (yes)
Finds and tracks subscriptions and recurring bills (yes)
Cancels subscriptions or negotiates bills for you (no)
Shared budgets for partners or households (no)
Tracks net worth and investment balances (yes)
Works on the web as well as on your phone (yes)
Free plan available (no)

How we score apps →

Alternatives

See all Copilot Money alternatives, ranked →

Monarch 8.4/10Couples and households who want one shared, detailed view of their money
Rocket Money 8.2/10People who want an assistant that actually cuts recurring costs, not just reports them
Origin 7.9/10People who want budgeting, forecasting and planning tools in one subscription
Quicken Simplifi 7.8/10Budget-conscious users in the US or Canada who want AI help at a low price