Copilot Money review: the best-looking budgeting app, for Apple users only
Copilot Money is a design-led budgeting app with AI transaction categorization, built for iPhone, iPad, Mac and Vision Pro, with a web app since December 2025. It costs $13 a month or $95 a year after a 1-month free trial — and it still has no Android app.
Facts checked
The short version
Copilot is worth it for Apple users who want bank sync with the least manual tidying: its automatic categorization and polish are its whole point. It is a non-starter on Android, and the yearly cost is hard to justify if you would be happy with simple category budgets.
Worth it if you…
- use an iPhone and a Mac
- want transactions categorized for you with little cleanup
- care about a polished, native Apple experience
Skip it if you…
- use Android, or share money with someone who does
- do not want a subscription
- prefer not to connect your bank accounts
How much does Copilot Money cost?
| Plan | Price | What you get |
|---|---|---|
| Monthly | $13/mo | One subscription across iPhone, iPad, Mac, Vision Pro and web. 1-month free trial. |
| Yearly | $95/yr | Same features, about $7.92 a month. |
There is no free plan after the trial.
What it does well
- AI-powered automatic transaction categorization.
- Native, polished apps across Apple devices, plus a web app.
- Budget rollovers, subscription detection, investments and net worth in one place.
- Supports manual accounts and manual transactions alongside bank sync.
Where it falls short
- No Android app, and no announced plans for one.
- No free tier — about $95 a year after the trial.
- Copilot says it is not SOC 2 certified itself (its cloud provider is).
Is Copilot Money available on Android?
No. Copilot runs on iPhone, iPad, Mac and Apple Vision Pro, and on the web since December 2025 — but there is no Android app, and its feedback board has said there is no news on one. If anyone in your household uses Android, the web app is the only option for them.
Is Copilot Money worth it?
If you are all-in on Apple and want an app that does the categorizing for you, Copilot is one of the nicest ways to do it, and a 1-month trial is enough to decide. Its security page is candid that the company is not certified itself — it relies on Plaid and Mastercard Data Connect for bank connections and never sees your bank credentials.
If you do not need bank sync or AI categorization, you are paying $95 a year mainly for design. Free budgeting apps cover category budgets and spending tracking on both iOS and Android.
Copilot Money vs Wally
| Copilot Money | Wally | |
|---|---|---|
| Price | $13/mo or $95/yr | Free |
| Free version | No — 1-month trial only | Yes — fully free, no subscription |
| Platforms | iPhone, iPad, Mac, Vision Pro and web (no Android) | iOS & Android |
| Account tracking | Automatic bank sync + AI categorization | Manual entry + CSV import |
| Budgeting approach | Flexible budgets with AI insights | Category budgets (incl. 50/30/20) |
| Bill reminders | Recurring detection | Yes |
| Best for | Apple users wanting AI-driven insights | Anyone who wants simple, free budgeting |
Full breakdown: Wally vs Copilot Money
Frequently asked questions
How much does Copilot Money cost?
Copilot Money costs $13 a month or $95 a year after a 1-month free trial. One subscription covers all supported platforms.
Does Copilot Money have an Android app?
No. Copilot is available on iPhone, iPad, Mac, Apple Vision Pro and the web, but not on Android.
Is Copilot Money worth it?
For Apple users who want automatic categorization and a polished app, yes. If you use Android or only need simple category budgets, a free app is a better fit.
Is Copilot Money safe?
Copilot connects through Plaid and Mastercard Data Connect and does not see or store your bank credentials. It states that it is not SOC 2 certified itself, though its cloud provider (Google Cloud) is.