Copilot: Track & Budget Money
Spending, investing, net worth
How much does Copilot: Track & Budget Money cost?
Prices are current as of 1 Oct 2026.
3 subscriptions from $13.00
In the United States, Copilot: Track & Budget Money has 3 subscriptions priced $13.00 – 95.00. Free trials run 14 days, 1 month or 2 months.
| Subscription | Period | Price |
|---|---|---|
| Copilot Subscription | MonthlyTrial: 14 days, 1 month, 2 months | $13.00 |
| Monthly subscription | MonthlyTrial: 14 days, 1 month, 2 months | $13.00 |
| Yearly subscription | AnnualTrial: 1 month, 2 months | $95.00 |
10+ alternatives to Copilot: Track & Budget Money
| Copilot: Track & Budget Money |   NerdWallet: Smart Money App |   Monarch: Budget & Track Money |   YNAB |   Goodbudget Budget Planner |   Quicken: Budget & Track Money |   CardPointers for Credit Cards |   Honeydue: Couples Finance |   PocketGuard - Budget App |   Weekly: Budget Planner & Bills |   Origin: AI Budget and Track | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Rating / 5 | 4.8 | 4.8 | 4.9 | 4.8 | 4.6 | 4.5 | 4.7 | 4.5 | 4.5 | 4.8 | 4.6 |
| Reviews | 30K | 125K | 117K | 79K | 18K | 12K | 11K | 10K | 8.3K | 5K | 3.8K |
| Released | 2019 | 2016 | 2020 | 2015 | 2011 | 2019 | 2019 | 2016 | 2015 | 2019 | 2023 |
| Monthly price | $13.00 | — | $14.99 | $14.99 | $6.99 | $7.99 | $7.99 | $4.99 | $4.99 | $7.99 | — |
| Annual price | $95.00 | — | $99.99 | $109.00 | $59.99 | $84.99 | $59.99 | — | $34.99 | $54.99 | — |
The going rate for each plan in United States, in its own currency, shaded from the cheapest price on the row to the dearest. Plans fewer than four in ten of the priced apps sell are left out.
Copilot: Track & Budget Money reviews
4.8 out of 5, based on 30,429 reviews.
What people like
- Beautiful and easy interface design
- Great automatic expense categorization
- Helpful AI budget advice
What they complain about
- Bank connections fail constantly
- Transactions show up as credits
- Support takes months to fix bugs
- App feels buggy and unstable
The best budgeting app
I love everything about this app. The visualizations, the automatic categorization of expenses, and now with the new AI assistant, the great advice on improvements I can make to my budget/spending. Highly recommend!
DO NO RELY ON THIS APP FOR YOUR MONEY! Connections To Institutions FAIL CONSTANTLY
I gave this App every chance, but Connections to Financial Institutions FAILED CONSTANTLY. I worked with Support… get a connection repaired, ONLY TO FAIL AGAIN WITHIN DAYS.
Amazon sync goes to far back
I was excited to unlock the AI and see how this could help with reviewing transactions, but ended up deleting my account just before that happened. The Amazon sync goes back several years without a choice with no way to see and delete older items that aren’t linked to card charges. This seems intrusive especially since the card charges only go back a couple years (though there should be a choice with that as well). I had everything all setup when this happened and I ended up deleting my account to remove it the data from the servers hopefully. It made me feel like they were data mining even if that wasn’t the intention. I also wish it would oauth with more banks instead of having to go through plaid who has a privacy policy I don’t like. Lastly, I feel the budget magic wand should give the option to exclude categories for decreasing like loans, etc. Thanks and sorry for leaving feedback here, I checked the website first but couldn’t find a feedback link.
Back to Monarch
I gave this a try for a year after monarch. This app looks great, but it fails to update and sync even if forced. The desktop app on Mac is trash.
Great visuals, but lacking
What a fantastic app but it is missing a few critical items: 1. Ability to see/edit transaction rules 2. Comprehensive reporting 3. Useful and flexible investment module 4. Multiple (and visible) income categories While I understand that some of these items are in keeping with the Apple experience, they are keeping me from transferring all my accounts to Copilot.
Add a Credit Tab
add a credit tab where we can see credit score, utilization, etc
Doesn’t work as it used to
I used to love this app, but now it’s not working as it’s meant to be. I have submitted multiple tickets and they always give me the same answer as they’re working on fixing it but it’s been the same issues for the whole year. They had added a goal for spending so it doesn’t affect your current budget but that feature is a joke. Since I first added a goal to a transaction all of my budgets have been wrong. I can’t even tell how much I’m spending and how much is left accurately to spend for the rest of the month. I’m just waiting for my subscription to run out and go find another app. It’s disappointing since I have used this for many years and this year it’s the first time where they haven’t updated and fixed these big issues.
It’s great…when it works
It’s been a helpful app and really like the design. I was hoping to try the new features they have coming out. But the connections to my accounts keep failing. I know part of it is Plaids problem but it defeats the purpose of the app at this point.
Does almost nothing
Anyone can log in to see transactions and balances. There is nothing special about this app. It's a waste of time to set it up.
From 5 to 3 stars
I love the interface because it’s colorful and easy to navigate. It’s so easy to categorize transactions and see where all of your money is. The rollover feature is perfect for me rather than having to track individual sinking funds. It didn’t take long to set up at all, and it shows me everything I need without having to run reports or search for it, such as the average amount I’m spending per category per month, which updates automatically. I’m switching from YNAB, and I hated the give every dollar a job model. In Copilot Money, you don’t have to move assigned dollars between categories every time money moves between your accounts. This app has given me the flexibility I need in my budget while still maintaining control over my finances. My one suggestion is to add an auto-distribute function for splitting transactions so I don’t have to manually calculate sales tax for each category. EDIT: I have canceled my free trial and will be going back to spreadsheets. So far the customer support has been good. One of my accounts will not connect and they have been working diligently to resolve the issue - much appreciated. However, I discovered that a bunch of my transactions are missing. Initially, when I connected my accounts, it imported 2 1/2 years worth of data. I had to manually delete everything prior to this year, which was difficult because I kept trying to delete things and they wouldn’t disappear so I had to do it repeatedly. Now I’m discovering that most of my categories are missing transactions between January and April 2026. I tried entering them manually but it’s a bit tedious. I can’t customize the color of the accounts and when I search for them, the font is too small so it’s difficult to find the one I’m looking for plus they always come up in a different order. I also don’t like that I cannot re-order my categories or my recurrings. Speaking of recurrings, the app is not recognizing new transactions, even though I have set up a rule for the name. Some of my recurrings are duplicated and I can’t rename them. Visually the list is a mess. In addition, I have to agree with other users that there is no easy way to see what is available to spend. I find myself toggling back-and-forth between the cash flow tab, the dashboard and my categories but still not feeling certain about the information it’s giving me. Yesterday I was reviewing new transactions and one of them was categorized incorrectly even though I have at least five other transactions from the same place. When I re-categorized it, I found that all the previous transactions were also categorized incorrectly, even though I’ve already gone through every single transaction in my history and made sure that it was right. Somehow it got changed? I really like the layout of this app and at first it seemed great but now I’m finding too many functional errors.
Great app + customer service!
I’ve been using Copilot Money for a couple months now. I’ve found the app to be very intuitive and the times when I had questions the customer service was exceptional!
confusing
annoying and hard to allocate funds not spent
Stay Far \ Away
Don’t bother with this. There are so many issues. I can’t change the amount spend for the month. It’s constantly doubling my bills without a single transaction showing. I can’t adjust backwards on my saving goals. It doesn’t save the categories transactions are saved to. It’s a nightmare. I spend more time trying to fix transactions than I do tracking. And I can’t even fix most of the mistakes this stupid app makes. Im just stuck with it and hope its not an issue next month
Issues prevent me from using
I want to like this app. I really want to like it. It promises so many great things. Unfortunately, if you do not have one of the major five banks, you will probably have issues. I have a small, smaller credit union, and and there are constant issues with syncing, correct balances, and just getting it to work in general. I downloaded this in spent more time talking with support than I have actually using the app. If the issues I’m experiencing aren’t fixed by canceling my subscription.
Quick catching prices and turnarounds profits.
Good thing this came out and when it did. Use good notes and keep the words consistent.
Never an improvement
Some features are great but it’s stuck in a specific place. Doesn’t work well for a couple; doesn’t have much budgeting flexibility — do it their way or don’t bother. And once you sign up it’s hard to get it to go away. Not that they keep making you pay - you just get ghost messages about stuff forever.
not support US Bank
I’ve used this product for a couple years and overall it’s good. However, they periodically have connectivity issues with their third-party integrators, which they seem completely unable to address in a timely fashion. If something goes wrong with the integration between your bank or financial institution, you can easily wait 6 to 9 months for a fix. This is currently the case with an issue that has come up with U.S. Bank that occurred in February and six months later we are still waiting for a fix.
Great looking
The app looks great and works great when you’re switching in between the different screens. My biggest complaint is it misses a lot of transactions. When I go back and review my transactions, there are quite a few that are missing. I’ve had to reach out to the company once before, and they fixed the issue, but it’s problematic and occurs on a frequent basis and not worth reaching out to them for every missing transaction.
Easy Button
This makes tracking my finances so much easier
App degrades overtime. Getting worse.
They keep clearing my review so I’ll keep reviewing it. Used to be so smart with transactions now it makes the same errors over and over again. This app is aging. Why did rules used to work so well and now I have to fix the same transactions month after month after month. Used to be the cool new kid on the block but no functional new features for quarter after quarter. There are way better apps out there for features. Go look up Origin. AI in it! Actual new features every quarter! It’s like copilot just phoned it in to make money and stopped innovating. I’m gonna let my subscription expire and go to Origin next. I could list endless issues: Stock performance data is wrong literally every single day. It’s different every single time you open the app. Amazon requires DAILY verification to load in transactions, what a joke. This app is hardly worth paying for lol. Why did the basic rules stop working? I have to fix the same charges every month. It’s like this app degrades overtime
Good idea poor customer service
This app is beautifully presented and I wanted to use it and i wanted to love it. One of my banks would not load the transactions and it prompted me to contact support. However, support (which I assume was a bot) asked me to contact in 24 hours if transactions still had not loaded. 24 hours later transactions still hadn’t loaded so i contacted support and never heard anything. Deleted the app and cancelled subscription.
Amazing !
Just the app for me
Imports all transactions as credits
The app imports all transactions from my bank as credits, including transactions where I’m paying someone else such as my power bill. This has been the case for most of 2026. Discussing the issue via the in-app support feature lead to agreement that the issue is present and then nothing, several months ago. Obviously my transactions showing as credits makes it nigh impossible to budget.
All transactions show as positive
All transactions, including all of my spending, from my bank account show as credits. That makes budgeting/tracking spending impossible, as you might imagine.
Looks great
Everything in one place shows you where you really stand and are able to Adjust
Basic math is missing
If you want to be able to see income-expenses=balance, this app isn’t for you. If you want a flashy dashboard that just shows how much you spent and you don’t really care to do the math, you’ll love it. If you’re actually budgeting, this is worthless. Update: I stand by my comments, the cash flow section is for the past, I want to also be able to budget for the future. I need the math on the budget.
Waiting for Apple Watch compatibility
I would like to add to Apple Watch compatibility to have a more affordable handling of my finances
Messed up easily
I re-connected my bank account, most of my transactions become duplicates. And changes of categories for past transactions disappear. It’s a disaster because they can’t reset to my old adjustment. All the transactions back to years are messed up.
Pay for it
Great dashboard, easy to use, saves time, it’s accurate. Worth the money.
Broken
Buggy, inconsistent connections with your financial accounts that require constant troubleshooting and nannying. Defeats the point of the app.
Awesome app, great support
The App, integrations, and UI are really awesome. Support is quick, thorough and they really care about solving your issues, even if it takes days. Carlos spent over a week helping me solve an obscure issue with dozens of messages back and forth. Highly recommend.
Apple Card accounts never work
Despite repeated conversations with customer support, Apple Card transactions just don’t work. They’ll appear after adding the account (the first or the nth time), but after some random period they stop updating. If you have an Apple Card, this effectively makes Copilot worthless for tracking expenses. I’ve waited through several updates for a fix that hasn’t arrived. Time to check out alternatives.
Copilot: Track & Budget Money FAQ
- Is Copilot: Track & Budget Money free?
- Yes. The app and its basic features are free, in all 1 country it sells in. Premium features are paid: they start from $13.00 (US), across 3 subscriptions.
- How much does Copilot: Track & Budget Money cost per month?
- Copilot Subscription is $13.00 (US). The annual plan works out cheaper per month: $95.00 a year.
- Does Copilot: Track & Budget Money have a free trial?
- Yes — free trials of 14 days, 1 month or 2 months (US), depending on the plan.
- What are the best alternatives to Copilot: Track & Budget Money?
- NerdWallet: Smart Money App (4.8 from 124,678 reviews), Monarch: Budget & Track Money (4.9 from 117,330 reviews, premium from $14.99) and YNAB (4.8 from 78,637 reviews, premium from $14.99).
Copilot: Track & Budget Money download
Last updated 19 days ago.
Copilot: Track & Budget Money sells in 1 country. It was released 7 years and 1 month ago, on 19 Aug 2019. It holds a 4.8 rating from 30,429 reviews.
Supports 1 language: English.
How much does Copilot: Track & Budget Money make?
Third-party estimates for the last 30 days, worldwide — not the store's own figures, which Apple publishes for nobody.
Revenue by plan
- Monthly 53%
- Annual 47%
Revenue by country
- United States 100%