Copilot Money review

Copilot Money ranks fourth and is the most automated option for people tired of maintaining categories by hand. Its money assistant flags transactions that need a fix, such as a refund or a wrong category, and suggests budget changes when spending moves, for example cutting a gas budget when transit costs rise. You can talk through decisions with it and pick its tone, from supportive to strict. Copilot connects to 16,000+ banks, carries leftover budget forward as rollovers, alerts on low balances and splits Amazon charges into items. Pricing is one plan with no tiers or AI credits, currently $109 a year as a limited-time offer instead of $119. The catches are platform and timing: Copilot lists iPhone, iPad, Mac and the web but no Android app, and its household view for up to 3 people is marked as coming this fall. We compared documented features and published prices; we did not test the app hands-on.

Who it is for

Apple users who want an AI assistant to keep the budget current

Price

$109 a year ($9 a month), listed as a limited-time offer instead of $119.

$9 per month $109 billed yearly, instead of $119.
Quoted from the vendor pricing page on November 12, 2026.

Key features

• Money assistant suggests budget changes when spending shifts and fixes miscategorized transactions
• Choice of assistant personalities, from supportive to strictly analytical
• Connects to 16,000+ banks
• Budget rollovers carry last month's leftover forward
• Breaks down Amazon charges into individual items

Strengths and weaknesses

• Strength: One plan with no tiers, add-ons or AI credits
• Strength: Low balance and large expense alerts
• Strength: Support from real humans is included
• Weakness: No Android app listed; it runs on iPhone, iPad, Mac and the web
• Weakness: No free plan
• Weakness: Household sharing is listed as coming this fall, not available yet

Key facts

• Price: $109 a year (limited-time offer, regular $119)
• Banks: 16,000+
• Platforms: iPhone, iPad, Mac, Web
• Plans: One plan, no tiers
• Household: Up to 3 people, coming this fall

Where it ranks

Copilot Money is No. 4 in our Best Budgeting Apps verdict.