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.

Last verified: | Sources: 3 pricing pages and reviews
+70% above list price
Know Before You Buy — Start Copilot Money Free Trial — 30 Days

Copilot Money true cost runs 70% above the listed $7.92-$13/month price as of July 2026. For a 25-person team, expect ~$5,335 in year-one costs vs the $3,138 base license. Key hidden costs: carrier data usage fees, device compatibility restriction, bnpl tracking limitation. Verified from 3 sources by CostBench.

Hidden Costs Breakdown

1

Carrier Data Usage Fees

low overage

Users are responsible for any potential third-party fees incurred through their carrier for data usage when using the service.

industry

Users are responsible for any potential third-party fees incurred through their carrier for data usage when using the service.

2

Device Compatibility Restriction

medium implementation

Copilot Money is primarily designed for Apple users, available on iOS, iPadOS, and macOS, with no native Android app, limiting Android users to the web version which may lack some features.

industry

Copilot Money is primarily designed for Apple users, available on iOS, iPadOS, and macOS, with a web version launched in December 2025.

3

BNPL Tracking Limitation

medium implementation

The app lacks visibility for "Buy Now, Pay Later" (BNPL) installment plans, meaning these transactions are not tracked within the app.

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., Afterpay and Klarna), which means these transactions are not tracked within the app.

4

Bank Sync Dependency

high implementation

The app's core automation and functionality depend entirely on connecting bank accounts, and if a user is uncomfortable with this or their bank does not sync reliably, the app loses its primary utility.

industry

If a user is uncomfortable with this or if their bank does not sync reliably, the app loses its primary utility.

5

Free Trial Credit Card Requirement

medium implementation

The free trial requires a credit card and automatically converts to a paid subscription if not canceled.

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.

Example: True Cost for 25 Users

License (25 × $10.46 × 12) $3,138/yr
Implementation (one-time) +$15,000–$50,000
Premium Support (20%) +$628/yr
Training (25 × $500) +$12,500
Admin (part-time) +$15,000–$25,000/yr
Estimated Year 1 Total ~$5,335
That's roughly 1.7× the advertised license price.
Now You Know the Real Cost — Start Copilot Money Free Trial — 30 Days

Check current Copilot Money pricing

Prices and terms change; verify against the live pricing page.

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