Copilot Money is a budgeting and tracking app that puts your spending, budgets, investments and net worth in one place, on iPhone, iPad, Mac and the web. As listed in October 2026, the yearly plan costs $95, which its site shows as $7.92 a month, and new users get a one-month free trial. There's no permanent free tier, and its FAQ says it works with US accounts only. It suits people in the US on Apple devices who want spending tracked and sorted for them. Everything about Copilot below comes from its own website and help center, checked in October 2026.
What Copilot Money costs
Copilot's pricing page lists $95 billed yearly, shown as $7.92 a month. The page also has a monthly option, but it didn't show a monthly price when we checked, so look at it (or the plan screen in the app) before you pick. Copilot's FAQ says there's no permanent free tier and that new users get a one-month free trial.
The trial needs a card. Copilot's terms of service say you'll be asked for a credit card or other payment method, and the trial turns into a paid subscription when it ends unless you cancel during it. Its quick start guide says you choose the yearly or monthly plan to start the trial, and you can turn off auto-renewal under Settings, then Subscription.
Refunds are limited. The terms say the fee is generally nonrefundable. The exception is a purchase made directly from Copilot: you cancel within one month of buying and email support within five days of cancelling. Its subscription article says App Store purchases are refunded through Apple.
By our math, two years on the yearly plan come to $190. If you share the app with a partner on one account (more on that below), that's $95 a year for two people, or $47.50 each.
What you get
Copilot's FAQ lists automatic spending tracking, budgets, subscription monitoring, savings goals, cash flow charts, investment tracking, net worth, custom alerts and split transactions. It says Copilot connects to more than 10,000 US financial institutions, with direct connections to Venmo, Apple Card and Coinbase.
Two AI features are named in the FAQ. Copilot Intelligence sorts your transactions into categories automatically, and the home page says it learns your spending patterns. Money Assistant, which the FAQ lists as a beta, answers questions about your own finances.
For Venmo, Copilot's Venmo article says it gives you a forwarding email address and imports the Venmo receipts you send to it. Past transactions aren't brought in automatically, but you can forward older receipts yourself.
Devices
The quick start guide says Copilot is available in the US for iPhone, iPad, Mac and the web, and that you can use it on several devices at once. The FAQ lists the same four. Neither page lists an Android app. If you use an Android phone, the web app is the option Copilot's pages describe.
How budgeting works in Copilot
The quick start guide says your first budget is based on what you've spent in the past. From there you can edit amounts, add or create categories, turn on rollovers, or turn budgeting off and only track. Its optional budgeting article says that if you turn budgets back on later, Copilot brings back the ones you had before.
Rollovers are where the budgets get interesting. The rollovers article says you switch them on in Settings and pick the first month that rolls over. Both what you didn't spend and what you overspent carry into the next month, and it adds up month after month. You can turn rollovers off for a category that never changes, like an internet bill.
Here's how that plays out, using our own numbers. Say your grocery budget is $300 a month.
- January: you spend $260, so $40 rolls over.
- February: the budget shows $340. You spend $360, so you're $20 over.
- March: that $20 carries forward, and the budget shows $280.
Paying off your card doesn't count against the budget. Copilot's card payment article says to leave both sides of a monthly card payment as Internal Transfers, since the purchases on the card were already counted when you made them.
Refunds and paybacks take a few taps. Copilot's refund and reimbursement article says to put a refund in the same category as the original purchase and change its date to match. If a reimbursement arrives inside a bigger payment, you split it out, change its type from Income to Regular, and move it to the original purchase's category so it lowers that spending. Its splitting article says the web app can split a transaction by amount or percentage, or spread it across 3, 6 or 12 months.
Sharing with a partner
Copilot's partner article describes sharing one account. Your partner opens Copilot, chooses to log in with your account's email, and you forward them the sign-in link Copilot emails you. They sign in to your account, not their own, and every signed-in device has full control. If you use Sign in with Apple, you set a password in Settings first. The article doesn't mention a cost.
To tell your spending apart, it suggests a separate group of categories for each person, tags by person, and adding a joint account only once so its transactions don't show up twice. If you'd each like your own login, check how the apps in our budgeting apps for couples page handle that.
Copilot Money in Canada
Copilot's FAQ says it works only with US-based accounts and isn't available outside the US. The quick start guide also names only the US. None of the pages we checked mention Canada. If your banks are Canadian, our post on budget apps in Canada covers what to look for.
Is Copilot Money worth it?
At $95 a year, Copilot works out to $7.92 a month, as its site shows. Whether that's worth it depends on how you like to budget. Copilot builds your first budget from your history and sorts transactions for you, so most of the work is reviewing what it did and adjusting. If you want polished apps on your iPhone and Mac and you're in the US, that's what it's built around. If you want to plan every dollar yourself, a zero-based app like YNAB fits that habit more closely, and our YNAB review covers it. The one-month trial is long enough to see a full month of budgets and at least one card bill.
Who Copilot Money suits
- People in the US who use iPhone, iPad or Mac.
- People who want a budget drafted from their past spending and transactions sorted for them.
- People who like rollovers for groceries or irregular costs.
- Couples happy to share one account and tell spending apart with tags.
Who it may not suit
- People who want a free plan. The FAQ lists no permanent free tier.
- People whose banks are outside the US, including in Canada.
- People on Android who want a phone app. Copilot's pages list iPhone, iPad, Mac and the web.
- Couples who each want their own login. The partner article describes one shared account.
How to try it
Start the one-month trial and set a reminder a few days before it ends, since the trial needs a card and turns into a paid plan. Connect your main bank and card accounts on day one, look over the budget Copilot drafts, and turn on rollovers for one category to see how it carries over. If you'll share, invite your partner early and try the tags.
To see Copilot next to us row by row, see our Copilot Money comparison. For Copilot next to Monarch, see Monarch Money vs Copilot, or the full list of comparisons for other apps.
If a lot of what you spend is split with friends or roommates, Monio is another option: it links Splitwise bills to the card charges they were for, counts only your share as spending, and leaves card payments and transfers out. It works in the US and Canada, for $7.99 a month or $80 a year.
Questions
How much does Copilot Money cost?
As listed in October 2026, Copilot's yearly plan costs $95, which its site shows as $7.92 a month. There's no permanent free tier, and new users get a one-month free trial that needs a card.
Is Copilot Money available on Android?
Copilot's quick start guide and FAQ list iPhone, iPad, Mac and the web, and neither lists an Android app. If you use an Android phone, the web app is the option Copilot's pages describe.
Does Copilot Money work in Canada?
Copilot's FAQ says it works only with US-based accounts and isn't available outside the US. None of the Copilot pages checked in October 2026 mention Canada.
Can I share Copilot Money with my partner?
Copilot's partner article describes sharing one account: your partner signs in to your account, not their own, using the sign-in link Copilot emails you. To tell your spending apart, it suggests a separate group of categories or tags for each person.