Copilot Money
Empower (Personal Capital)
| Feature | Copilot Money | Empower (Personal Capital) |
|---|---|---|
| Pricing | From $10.99/mo | Free / from $0.89/mo |
| Free Plan | ✗ No | ✓ Yes |
| Rating | 4.6 / 5 | 4.3 / 5 |
| Best For | apple-users, millennials, budget-trackers, investors | investors, high-net-worth-individuals, retirement-planners, wealth-builders |
| Founded | 2019 | 2009 |
| Auto Categorization | ✓ | ✗ |
| Budgets | ✓ | ✗ |
| Investments | ✓ | ✗ |
| Recurring Detection | ✓ | ✗ |
| Insights | ✓ | ✗ |
| Net Worth | ✓ | ✗ |
| Net Worth Tracking | ✗ | ✓ |
| Investment Checkup | ✗ | ✓ |
| Retirement Planner | ✗ | ✓ |
| Fee Analyzer | ✗ | ✓ |
| Budgeting | ✗ | ✓ |
| Cash Flow | ✗ | ✓ |
| Wealth Management | ✗ | ✓ |
✓ Copilot Money Pros
- Beautiful design
- Automatic categorization
- Investment tracking
- Smart insights
✗ Copilot Money Cons
- iOS only
- No free tier
- US banks only
✓ Empower (Personal Capital) Pros
- Excellent free investment tracking and net worth dashboard
- Retirement planning calculator (Retirement Planner)
- Fee analyzer identifies hidden investment fees
- Comprehensive portfolio analysis tools
✗ Empower (Personal Capital) Cons
- Wealth management requires $100K minimum
- Sales calls after signing up for free tools
- Advisory fees higher than robo-advisors
The Verdict
Copilot Money is built for apple users and millennials, with a focus on auto-categorization and budgets. Empower (Personal Capital) targets investors and high net worth individuals and leads with net-worth-tracking and investment-checkup.
On pricing, Empower (Personal Capital) is the clear winner for budget-conscious users — starting at $0.89/mo compared to $10.99/mo for Copilot Money. That $10.1/mo difference adds up quickly for growing teams.
Empower (Personal Capital) has a free plan, which gives it a meaningful edge for individuals and small teams exploring their options. Copilot Money requires a paid subscription from day one.
Feature-wise, Empower (Personal Capital) offers broader built-in capabilities (7 features vs 6), while Copilot Money takes a more focused approach — which can mean a simpler, faster onboarding experience.
Both tools are a solid fit for investors — in those cases, the decision often comes down to workflow style and how your team prefers to organize work.
Bottom line: Copilot Money has a slight overall edge — but if excellent free investment tracking and net worth dashboard matters most to you, Empower (Personal Capital) may still be the right call.