Copilot Money is a premium budgeting app built for Apple devices with a clean UI and AI-powered insights. It’s not the cheapest option — here’s exactly what you’ll pay and what you get in 2026.
Current Pricing
| Plan | Cost | Notes |
|---|---|---|
| Annual | $95/year ($7.92/mo) | Best value |
| Monthly | $13/month | No commitment |
| Free trial | 30 days | Full access |
Copilot doesn’t have a free tier. You get 14 days to try everything, then you choose monthly or annual.
What’s Included in Every Plan
All Copilot Money subscriptions include the same features — there’s no tiered pricing:
- Unlimited bank connections via Plaid
- Automatic categorization with AI learning your patterns
- Custom budgets with rollover
- Net worth tracking across all accounts
- Investment tracking with portfolio breakdown
- Recurring transaction detection
- Custom categories and rules
- Data export (CSV)
- iCloud sync between devices
- Apple Watch complications
There’s no “basic vs premium” split. You pay one price and get everything.
Family Sharing
Copilot supports Apple Family Sharing — one subscription covers up to 6 family members. Each person gets their own account and data; there’s no shared household view (unlike Monarch Money’s couples feature).
This effectively drops the per-person cost to under $1.50/month on the annual plan if your family uses it.
How Copilot Pricing Compares
| App | Annual Cost | Monthly | Free Tier |
|---|---|---|---|
| Copilot Money | $95/yr | $13/mo | Trial only |
| YNAB | $109/yr | $14.99/mo | Trial only |
| Monarch Money | $99.99/yr | $14.99/mo | Trial only |
| Lunch Money | $100/yr | $10/mo | Trial only |
| Rocket Money | Free + $6-12/mo premium | — | Limited free |
| Actual Budget | Free (self-hosted) | $7.49/mo (cloud) | ★ Free option |
Copilot is cheaper than YNAB ($109/yr) but close to Monarch Money ($99.99/yr). The gap has narrowed after Copilot’s 2025 price increase, but it still undercuts YNAB by $14/year.
For detailed comparisons, check our YNAB pricing guide and Monarch Money pricing breakdown.
What You Don’t Get
- Web app — Copilot is Apple-only (iPhone, iPad, Mac). No Android, no browser access
- Shared household budgets — Family Sharing gives separate accounts, not a joint view
- Bill negotiation — Unlike Rocket Money, Copilot doesn’t negotiate bills for you
- API access — No developer API or Zapier integration
Is Copilot Money Worth the Price?
Worth it if:
- You’re in the Apple ecosystem and want a native, fast budgeting app
- You value clean design and AI-powered categorization
- Your family shares an Apple account (6 members for one subscription)
- You want premium features at a lower price than YNAB or Monarch
Not worth it if:
- You use Android or need web access
- You want zero-based budgeting (YNAB is better for that)
- You need a free option (try Actual Budget or Goodbudget)
- You want couples/household budgeting with shared visibility
The Bottom Line
At $95/year, Copilot Money is competitively priced among premium budgeting apps in 2026 — assuming you’re on Apple. The lack of web and Android access is the main catch. If you’re all-in on Apple devices, the 14-day trial is worth exploring.
Compare options → Best Budgeting Apps 2026 | Copilot Money Review