Copilot Pricing 2026
Copilot Money costs $13/month or $99/year ($8.33/month). There's a 30-day free trial. Copilot is available on iOS and Mac only — there is no Android or web app.
Copilot Pricing Breakdown
| Plan | Price | Details |
|---|---|---|
| Free Trial | $0 for 30 days | Full access, no credit card required |
| Monthly | $13/month | Cancel anytime |
| Annual | $99/year ($8.33/mo) | Best value — 2 months free |
What's Included in Copilot?
- Automated Bank Sync — Connects to banks and credit cards via Plaid
- Beautiful UI — Widely praised design, smooth iOS experience
- Smart Categorization — AI-powered transaction tagging with manual override
- Budgets & Goals — Monthly budgets, savings goals, spending trends
- Net Worth Tracking — Investment accounts, property, debt
- Bill Tracking — Recurring subscription detection and alerts
- Shared Accounts — Partner/household access available
iOS and Mac Only
Copilot does not have an Android app or a full web interface. If you use Android or primarily work on Windows, Copilot isn't an option.
Copilot vs SheetLink Pricing
| Feature | Copilot | SheetLink |
|---|---|---|
| Monthly Price | $13/mo | Free or $4.99/mo (Pro) |
| Annual Price | $99/year | $39.99/year (Pro) |
| Free Tier | 30-day trial only | Last 7 days forever |
| Platform | iOS + Mac only | Any platform via Google Sheets or Excel |
| Bank Sync | Automatic (daily) | Manual click (privacy-first) |
| Customization | App categories + rules | Fully customizable spreadsheets |
| Data Export | CSV export | Native in Sheets/Excel + CSV/Postgres (MAX) |
Is Copilot Worth $99/Year?
Copilot is worth it if you:
- Use iPhone and Mac as your primary devices
- Value beautiful, polished UI above all else
- Want automatic daily syncing with smart categorization
- Need net worth and investment tracking in one app
SheetLink is a better choice if you:
- Want to save 60% ($4.99/mo vs $13/mo, or $39.99/year vs $99/year)
- Use Android, Windows, or work primarily in a browser
- Already have your own spreadsheet system in Google Sheets or Excel
- Need a free tier with no credit card required (last 7 days, unlimited accounts)
- Value privacy-first manual sync over automatic background access
Copilot Alternatives
- SheetLink — Free / $4.99/mo, Google Sheets + Excel, cross-platform
- YNAB — $14.99/mo, zero-based budgeting, iOS + Android + web
- Monarch Money — $8.33/mo ($99/yr), family-friendly, all platforms
- PocketGuard — Free / $6.25/mo ($74.99/yr), iOS + Android
- Tiller Money — $6.58/mo ($79/yr), Google Sheets + Excel
Save 60% with SheetLink
Plaid-powered bank sync to Google Sheets or Excel. Works on any platform. Free forever for 7 days, or Pro at $4.99/mo — less than half the cost of Copilot.
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