Copilot Money Review

The most beautiful budgeting app with AI-powered categorization for Apple users. Independent Copilot Money review: 4.6/5 for budgeting.

By Michael Hewitt, Founder & Editor-in-Chief. Rates last checked September 7, 2026.

Our verdict

Apple users who want budgeting to categorize itself are the audience: Copilot's AI sorts 95%+ of transactions by month 3, and investment and net worth tracking are built in. It costs $13 a month or $95 a year after a free first month. There's no Android app, only a web app added December 2025, which is why it isn't rated higher.

Skip it if you use Android, or want the educational resources YNAB offers.

About Copilot Money

The most beautiful budgeting app with AI-powered categorization for Apple users. Copilot Money is offered by Copilot Money, Inc. Our editorial rating is 4.6 out of 5.

Best for: Apple users who want a beautiful, AI-powered budgeting experience.

Editorial grade: A- (composite score 86/100).

Highlights

AI categorizes 95%+ of transactions by month 3
Native iOS and macOS design
Investment and net worth tracking built in

What we like

Gorgeous native iOS/Mac design
Best-in-class AI auto-categorization
Investment tracking built in
First month free to try

Where it falls short

No Android app (web app added December 2025)
Fewer educational resources than YNAB

Fees, minimums, and rates

Monthly fee: $13/month or $95/year. Minimum to open: $0. Rates and fees last checked on September 7, 2026.

How we reviewed it

This is a desk review: we have not opened an account with Copilot Money, Inc.. It is built from Copilot Money, Inc.'s published rates, fee schedule and terms and from the public complaint record, and compared with the other products in the Budgeting shortlist. Our money-app reviews weight cost (25%), accuracy and reliability (25%), data security (20%), usefulness (20%), and customer support (10%). The rubric is the same for every brand.

Similar products to compare

Read our full editorial methodology for how we review products.