Copilot Money
An app that tracks your spending and sorts it for you.
What Copilot Money does
Copilot Money is a budgeting and spending tracker made for Apple devices. It links your US bank and card accounts, sorts transactions into categories for you, and shows your recurring charges in one list. It runs on iPhone, iPad, Mac and the web. There is no Android app.
Copilot is for people who want their money tracked for them, in an app that feels good to open. Once your accounts are linked, it sorts new transactions into categories, and you can add your own categories and tags. Budgets show how each category is doing, and a cash flow view shows money in versus money out.
One handy part is the recurring list. Copilot spots charges that repeat, including the subscriptions you forgot about, and shows what's coming up next. Savings goals can suggest a monthly amount based on what you actually spend. It also connects directly to Apple Card and Venmo.
It only works with US accounts, and there is no Android app, so it's an easy pass if your household mixes phones. If you live on Apple devices and want a tracker that runs mostly on its own, it's a strong pick. If you want a free app or a strict give-every-dollar-a-job method, look elsewhere.
Alternatives to Copilot Money
Who it's for
Skip it if: Android phone owners or mixed-phone households. Anyone with bank accounts outside the US.
Pricing
There is no free plan. You get a one-month free trial, then it's $13 a month or $95 a year (about $7.92 a month). These amounts come from a September 2026 price check, so confirm them on Copilot's site before you subscribe.
Prices can vary by country. Checked 15 Oct 2026.
What people like
- Clean, polished design across Apple devices
- Spots subscriptions you may have forgotten
- Smart categorizing means less manual work
- One-month free trial to try it properly
Watch out for
- No free plan
- No Android app
- Works with US accounts only
Want a tracker that shows exactly what you care about? Build your own.
Describe your app idea and Bilt builds it. Free to start, on your phone in minutes.
Try this idea: “a simple app where I see my spending by category this month and a list of every charge that repeats, so nothing sneaks up on me”
Questions people ask
Is Copilot Money free?
No. It has a one-month free trial, then costs $13 a month or $95 a year, based on a September 2026 price check.
Is Copilot Money on Android?
No. It runs on iPhone, iPad, Mac and the web, but there is no Android app.
Can Copilot find my subscriptions?
Yes. It looks for charges that repeat and lists them, including subscriptions you may have forgotten.
Does Copilot work outside the US?
No. Copilot says it only works with US-based accounts.