# Copilot Money pricing (2026): plans, cost, and compliance

**Entry price:** $7.92/mo (Copilot (Annual)). Among the 8 budgeting apps we track it is #6 cheapest of 8; median entry $6/mo.
**Domain:** copilot.money
**Free tier:** No
**Compliance:** HIPAA Not published · SOC 2 Not published · GDPR Not published
**Integrations:** Plaid (bank sync), Mastercard Data Connect, Capital One (direct OAuth), Coinbase (direct OAuth), Apple Card (direct OAuth), Charles Schwab, Wealthfront, Vanguard, Zillow (real estate valuation)
**Best for:** Apple ecosystem users (iPhone, iPad, Mac); Users who want AI-driven auto-categorization; Investors tracking diverse assets including crypto and real estate in one place
**Price tracked since:** June 2026

## Plans

| Plan | Monthly | Annual | Billing | Notes | Source |
| --- | --- | --- | --- | --- | --- |
| Copilot (Annual) | $7.92 | — | flat | Billed annually at $95/yr ($7.92/mo equivalent). No ads, no hidden fees. Free test-drive available before connecting accounts; full free trial also offered. iOS/macOS only. | copilot.money |

**Key features:** AI-powered automatic transaction categorization; Rollover budgets (unused budget carries to next month); Subscription detection and tracking; Net worth tracking (stocks, crypto, real estate); Real estate value via Zillow URL integration; Cash flow monthly summaries; 256-bit encryption at rest, TLS in transit; No advertising or sale of financial data; Free test-drive before connecting any accounts.

**Plan limits:** iOS and macOS only — no Android or Windows app; Copilot itself holds no compliance certifications (GCP infrastructure certs do not extend to Copilot).

## Cheaper budgeting apps alternatives

- [Rocket Money](https://frontdeskreview.com/software/budgeting-apps/rocket-money/) — from $0/mo
- [Goodbudget](https://frontdeskreview.com/software/budgeting-apps/goodbudget/) — from $0/mo
- [EveryDollar](https://frontdeskreview.com/software/budgeting-apps/everydollar/) — from $0/mo
- [Quicken Simplifi](https://frontdeskreview.com/software/budgeting-apps/quicken-simplifi/) — from $5.99/mo
- [PocketGuard](https://frontdeskreview.com/software/budgeting-apps/pocketguard/) — from $6.25/mo

Sources: 1 · Last verified 2026-06-14
Provenance: Official pricing page copilot.money/pricing — rendered full pricing content directly. Single paid tier: $7.92/mo or $95/yr. Corroborated by NerdWallet best-budget-apps article (2026, $13/mo or $95/yr — NerdWallet's $13/mo may be rounded or reflect a different billing period; official site $7.92/mo is recorded).
Canonical: https://frontdeskreview.com/software/budgeting-apps/copilot-money/
Cite: Per The Front Desk Review, Copilot Money's entry plan was $7.92/mo as of 2026-06-14 — https://frontdeskreview.com/software/budgeting-apps/copilot-money/
License: CC BY 4.0. Price history: https://frontdeskreview.com/data/price-history.jsonl