Price checkMonthly
Annual$7.92/moMonthly$13/mo
See all 2 plans

All Copilot Money Plans & Pricing

Plan Monthly Annual Best For
View all features by plan (compare side-by-side)

Annual

  • Automatic transaction tracking and AI tagging
  • Spending visualization and budget management
  • Budget rollover functionality
  • Cash flow tracking with monthly summaries
  • Subscription spotting
  • Multi-account integration (stocks, crypto, real estate)
  • Net worth tracking
  • Live investment performance monitoring

Monthly

  • Automatic transaction tracking and AI tagging
  • Spending visualization and budget management
  • Budget rollover functionality
  • Cash flow tracking with monthly summaries
  • Subscription spotting
  • Multi-account integration (stocks, crypto, real estate)
  • Net worth tracking
  • Live investment performance monitoring
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What does Copilot Money actually cost you?

Drag the slider. Pick a tier. Your projected spend updates as you go.

Tier
Billing
Your projected cost$198per month · $7.92/unit × 25units
Year 1 license$2.4K12 months at this rate
At a glance

List price by tier (annualized, per unit)

Per-unit list price across Copilot Money's plans, annualized. Custom-priced tiers show a hatched bar.

Annual$95.04/yr
Monthly$156/yr
Quick Answer
Last verified:
Medium confidence

Copilot Money costs $7.92 to $13 per month as of July 2026, with 2 plans available. Plans: Annual at $7.92/month, and Monthly at $13/month. Pricing depends on your chosen tier, contract length, and negotiated discounts.

Use the interactive pricing calculator to estimate your exact cost based on team size and requirements.

  • Free tier: No free tier available

Copilot Money offers 2 pricing tiers: Annual, Monthly. Paid plans include Annual at $7.92/month, Monthly at $13/month. The Monthly plan is users who prefer monthly flexibility.

Compared to other personal finance & budgeting software, Copilot Money is positioned at the budget-friendly price point.

  • 5 documented hidden costs beyond list price
  • Contracts auto-renew — at least 24 hours before the end of their current subscription period
Last verified: | Sources: 3 pricing pages and reviews

How much does Copilot Money cost?

Copilot Money pricing ranges from $7.92 to $13/month across 2 plans. Plans include Annual at $7.92/month, Monthly at $13/month.

Copilot Money Pricing Overview

Copilot Money has 2 pricing plans ranging from $7.92 to $13/month. The Annual plan costs $7.92/month, best for apple ecosystem users who want a premium finance app. The Monthly plan costs $13/month, best for users who prefer monthly flexibility.

Copilot Money contracts auto-renew.

There are at least 5 documented hidden costs beyond Copilot Money's list price, including implementation, training, and add-on fees.

This pricing was last verified in May 25, 2026 from 3 independent sources.

Start Copilot Money Free Trial — 30 Days
Copilot Money is an Apple-first personal finance app priced at $13/month on the Monthly plan or $95/year ($7.92/month) on the Annual plan. It uses AI to automatically tag transactions and provides spending visualization, budget rollover, and investment tracking across bank accounts, stocks, crypto, and real estate. A 1-month free trial is available.

How Copilot Money Pricing Compares

Compare Copilot Money pricing against top alternatives in Personal Finance & Budgeting.

Monarch Money $8.33-$14.99/mo Compare → EveryDollar $0-$17.99/mo Compare → YNAB $9.08-$14.99/mo Compare →

Compare Copilot Money vs Alternatives

Before committing to Copilot Money, compare pricing with these 3 alternatives in the same category.

VSMonarch Money
From $8.33/mo

Most users who want comprehensive finance tracking

Full comparison
VSEveryDollar
Free

Users who want automatic bank sync and insights

Full comparison
VSYNAB
From $9.08/mo

Most users who commit to budgeting

Full comparison

All Copilot Money alternatives & migration guides

What Companies Actually Pay for Copilot Money

Review scores
Top pricing complaints
iOS-only availability and limited web versionPremium PriceLimited Features for Power Users/Lack of Advanced Budgeting MethodsLack of Long-Term Financial Planning Tools

How Copilot Money Pricing Compares

Software Starting Price Top Price
Copilot Money $7.92/month $13/month
EveryDollar Free $17.99/month
Goodbudget Free $10/month
Honeydue Custom Custom
Monarch Money $8.33/month $16.67/month
Simplifi by Quicken $3.99/month $6.99/month

Detailed pricing comparisons:

Browse all Personal Finance & Budgeting pricing →

5 Copilot Money Hidden Costs Beyond the List Price

Beyond the listed price, Copilot Money has at least 5 documented hidden costs that can significantly increase total cost of ownership.

Watch for 5 hidden costs
  • Carrier Data Usage Fees
    low 1 source
    industry "Users are responsible for any potential third-party fees incurred through their carrier for data usage when using the service."
  • Device Compatibility Restriction
    medium 1 source
    industry "Copilot Money is primarily designed for Apple users, available on iOS, iPadOS, and macOS, with a web version launched in December 2025."
  • BNPL Tracking Limitation
    medium 1 source
    industry "Another reported limitation that could be considered an "implementation cost" in terms of functionality is the lack of visibility for "Buy Now, Pay Later" (BNPL) installment plans (e.g."
  • Bank Sync Dependency
    high 1 source
    industry "If a user is uncomfortable with this or if their bank does not sync reliably, the app loses its primary utility."
  • Free Trial Credit Card Requirement
    medium 1 source
    industry "Credit Card Requirement for Free Trial: While a 30-day (or sometimes 60-day with specific codes) free trial is offered, it typically requires a credit card and automatically converts to a paid subscription if not canceled."
Tip

Ask your Copilot Money sales rep about these costs upfront. Getting them in writing before signing can save you from surprise charges later.

Full hidden costs breakdown →

Intelligence sourced from 1 independent sources
industry
Key claims include inline source attribution. Data verified against multiple independent sources. 7 source citations total.

Copilot Money Contract Terms

Copilot Money contracts auto-renew. Changes require at least 24 hours before the end of their current subscription period. These terms are sourced from verified buyer experiences.

Contract Terms
Auto-Renewal Yes
Cancellation Notice at least 24 hours before the end of their current subscription period
Based on 1 verified source

How to Negotiate Copilot Money Pricing

Copilot Money contracts are negotiable. These 1 tactics are sourced from real buyer experiences and procurement specialists.

Negotiation Playbook 1 tactics
Leverage Discounts and Free Trials medium success

Negotiation tactics for individual buyers are generally limited to leveraging available discounts and free trials.

https://thecollegeinvestor.com
High success Medium Low / difficult

Full negotiation guide →

Copilot Money Pricing FAQ

01 How much does Copilot Money cost?

Copilot Money costs $13/month on the Monthly plan or $95/year ($7.92/month) on the Annual plan. The Annual plan saves about $61/year compared to paying month-to-month.

02 Does Copilot Money have a free trial?

Yes, Copilot Money offers a 1-month free trial with full access to all features including bank sync, AI transaction tagging, and investment tracking.

03 What platforms does Copilot Money support?

Copilot Money is available on iPhone, iPad, Mac, and Web. It's designed primarily for the Apple ecosystem and requires an Apple device to set up an account.

04 Copilot Money vs Monarch Money: which is better?

Copilot Money's Annual plan costs $95/year ($7.92/month), with a Monthly option at $13/month for those who prefer flexibility. Pricing is comparable to Monarch Money's annual plan. Copilot has a superior UI for Apple users and AI-powered tagging; Monarch Money supports more platforms (including Android) and offers unlimited collaborator invitations. Choose Copilot for Apple-first design, Monarch for cross-platform access.

05 Is Copilot Money available on Android?

No, Copilot Money is an Apple-only app available on iPhone, iPad, Mac, and Web. It does not have an Android app. Copilot's own pricing is $95/year ($7.92/month) on the Annual plan or $13/month on the Monthly plan. If you use Android, Monarch Money or YNAB are better alternatives with cross-platform support.

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