Copilot Money pricing 2026: cost and free trial

Copilot Money plans and prices

Copilot sells one plan with everything in it. The pricing page calls it "One simple plan" and lists no tiers. What changes is how you pay and where. Here is every price we found, with the page it came from.

Two of those rows are the website and two are the App Store. On the website the monthly plan is $18 and the yearly plan is $109, which the page shows as $9 a month, billed yearly, "instead of $119", and labels a limited time offer. On the App Store the monthly plan is $13.00 and the yearly plan is $95.00. The most you can save by paying yearly is the difference between twelve monthly payments and one yearly one: on the website that is $216 against $109, and on the App Store $156 against $95.

All prices are in US dollars and before any tax. The data sources Copilot lists are US institutions only.

Why the website and the App Store show different prices

This is the question most people have when they look at Copilot, and the honest answer is that its pages don't explain it. The website price is $5 a month and $14 a year higher than the App Store price. Copilot doesn't say whether the web price is the current one, whether the App Store price is an older one, or whether the two stay apart on purpose.The pricing page and the App Store show different prices for the same app. Check which one you are being shown before you pay.^[2][4]

What you can do about it is practical. Look at the price on the screen where you are about to pay, not the one you read earlier. Write it down. If you start the free month, note which store holds the subscription so you know where it renews. Copilot's pages don't say whether a subscription bought on the App Store also covers the web app, so ask support before you rely on that.

What the plan includes

Because there is one plan, everyone gets the same product. From Copilot's pages and App Store listing:

• Money Assistant: an AI you can ask about your money. The page says it "always asks before acting." It can fix transactions, run instructions in the background and flag spending trends with budget suggestions. The App Store says it is available only on iPhone.^[1][4]
• Connects to 16,000+ US institutions through read-only integrations, with direct links for Venmo, Apple Card and Coinbase.^[3][4]
• Sorts transactions automatically, and the assistant can change a category or match a refund to its purchase. You can set your own categories with colors and emojis.^[1][4]
• Adaptive budgets that adjust to your spending.^[4]
• Tracks spending, investments, net worth and subscriptions.^[1][4]
• Savings goals and a cash flow view.^[4]
• Custom alerts, including low-balance alerts.^[1][4]

One catch matters for the price: the Money Assistant is available only on iPhone, per the App Store. The web app is included in the plan, so the rest works in a browser.

Free trial and free plan

The App Store and the FAQ say one month free for new users. The pricing page does not state a trial or whether a card is needed.^[2][3][4]

No free plan. The FAQ says there is no permanent free tier.^[3]

So the free month is the only free use. The gap is the card: Copilot doesn't say whether you need one to start, so assume you do and set a reminder for a few days before the month ends. We found no refund terms on the FAQ either, which is another reason to decide before the first charge, not after.

Discounts and promo codes

The only discount on Copilot's pricing page is the yearly price: $109 against $119, labeled a limited time offer. We found no promo code, referral code or student discount on the pages we read, so we list none. If you see a code on another site, check it at checkout; we won't print one we haven't seen on Copilot's own pages.

The App Store price is the nearest thing to a discount. At $95.00 a year it is $14 under the website's yearly price of $109, and $121 under the website's monthly plan paid for twelve months ($216).

What it costs for two people

Households are marked "Coming soon" and partner invites "coming this fall" on the home and pricing pages. Once live, the pages say up to 3 people share one subscription at no extra cost with full access.^[1][2]

That is the plan on paper. Today, a couple has no second login, so the cost for two is one subscription for one person plus whatever you work out between you. When Households ship, the pages say up to 3 people share one account at no extra cost, which would put a couple at $109 or $95 a year, depending on where you pay. We don't know what a partner would see, or whether shared bills can be split: the pages say nothing on either.

If sharing matters now, Monarch includes a partner at no extra cost today, and our roundup of budgeting apps for couples compares what each one shows a partner.

How the price has changed

The pages we read give no price history, and we won't guess one. The one signal on the page itself is the "instead of $119" beside the $109 yearly price, which suggests $119 is the price without the offer. Copilot doesn't say when the offer started or when it ends, so if the yearly plan is the one you want, it is worth not waiting.

Copilot Money against other budgeting apps

The chart shows the cheapest way to pay for a year on each app's own pricing page. Copilot's bar is its App Store yearly price, $95.00; on its website the cheapest year is $109.

Is Copilot Money worth it?

It depends on who is paying. For one person on an iPhone or a Mac who wants a polished app and is happy to pay for it, the case is plain: a 4.8 rating on the App Store from about 31K ratings, one plan with nothing held back, and no ads. A reviewer in October 2026 calls the annual fee "a small price to pay."

It is a weaker fit in four cases, each from its own pages or its reviews:

• You use Android. There is no Android app.
• You want your partner on the same budget today. Households are not live.
• Your bank is one that connections fail on. App Store reviews name Bank of America, Fidelity, Merrill and Schwab, and one August 2026 reviewer says connections "FAILED CONSTANTLY." Use the free month to test your own banks.
• You want to tag income by type. One October 2026 reviewer is leaving because income can't be categorized that way yet.

Alternatives in short form

If the price, the platforms or the missing partner feature is the problem, these are the nearest options, each from its own pricing page.

• Monarch: $14.99 a month or $99.99 a year, with a first week free. A partner joins under the same subscription. Both partners see everything. Runs on iPhone, Android and the web. See Copilot Money vs Monarch.
• YNAB: $14.99 a month or $109 a year, with a 34-day trial and no card needed if you sign up directly. One subscription can be shared with up to 5 more people.
• Quicken Simplifi: annual billing only, with a first-year offer of $3.99 a month and a 30-day money-back guarantee on direct purchases. A second person can share the one space.
• Lunch Money: $10 a month or $100 a year, with a 30-day trial. Web and iPhone.
• Goodbudget: a free plan with limits, or Premium at $10 a month or $80 a year, and a refund within the first 30 days.

More in our list of the best budgeting apps and the best free budgeting apps.

Where Wonderful fits

We make Wonderful, so weigh this section accordingly. It costs $14.99 a month or $99 a year for the whole household, both partners included, with a free week to start and no free plan after it. That puts it near Copilot's yearly price, with a partner included from the first day. It is built for two people who keep their own accounts and share some bills: each person chooses what the other sees, and shared costs are split with a running total of who owes whom.

What it doesn't do: it runs in the browser with no iPhone or Android app yet, it gives no investment advice, and it has no app store ratings because it is new. If you are one person on an iPhone who wants a native app, Copilot is the closer fit.