Copilot Money review

Copilot Money sells a single plan with everything included, which keeps the decision simple. It runs on iPhone, Mac, iPad and the web, and connects to more than 16,000 institutions including Chase, American Express, Apple Card, Fidelity and Wells Fargo. The newest feature is a money assistant: it notices when your spending shifts, for example less gas and more transit, and suggests a budget change, and you can tap any transaction, account or category to ask what a charge is or why a bill went up. Your first budget is generated from your real spending, and investments and savings sit next to daily spending. The yearly plan was $109, or $9 a month, at the time we checked, described as a limited-time price instead of $119. The catch for computer users is platform reach: there is a Mac app but no Windows program, so PC owners rely on the web version.

Who it is for

Apple users who want a polished Mac app and AI help with budgets.

Price

One plan: $9 per month billed yearly at $109 (limited-time offer, normally $119).

$9 per month $109 billed yearly, instead of $119.
Quoted from the vendor pricing page on November 10, 2026.

Key features

• Works with 16,000+ institutions
• A money assistant that suggests budget changes when spending shifts
• Ask about any transaction, account or category
• Budget built from your real spending
• Investment and savings tracking in the same app

Strengths and weaknesses

• Strength: One plan with no tiers, add-ons or AI credits
• Strength: Apps for iPhone, Mac and iPad plus a web version
• Strength: Copilot says it never sells your financial data
• Weakness: No Windows or Android app, only the web version
• Weakness: No free plan
• Weakness: The $109 yearly price is a limited-time offer

Key facts

• Platforms: iPhone, Mac, iPad and Web
• Institutions: 16,000+
• Plans: One plan, no tiers
• Billing: Yearly or monthly

Where it ranks

Copilot Money is No. 5 in our Best Personal Accounting Software verdict.