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Personal Finance · head to head

Copilot Money vs Fidelity

Copilot Money logo

Copilot Money

Personal Finance

AI-powered personal finance assistant

From
Free
Rated
-
Full reviewWebsite
Fidelity logo

Fidelity

Personal Finance

Building a better financial future

From
On request
Rated
-
Full reviewWebsite

The short version

  • Only Copilot Money has a free tier, so it costs nothing to try first.
  • Each has a real cost: Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app; Fidelity options trades carry a 0.65 USD per contract fee on top of zero commission
  • They diverge on capability: Copilot Money covers AI-powered insights, Fidelity covers Commission-free trading.

Where they differ

Only the attributes on which Copilot Money and Fidelity actually diverge.

Attributes where Copilot Money and Fidelity differ
AttributeCopilot MoneyFidelity
Starting priceFreeOn request
Pricing modelfreemiumtransaction
Free tierYesNo
Founded20201946

Identical on both: platforms (Web, IOS, Android), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Copilot Money

  • AI-powered insights
  • Spending analysis
  • Budget optimization
  • Financial planning
  • Credit cards

Only in Fidelity

  • Commission-free trading
  • Retirement planning
  • Advisory services
  • Research tools
  • Investment accounts

Both cover

  • Bank accounts
  • Web support
  • IOS support
  • Android support

What people use each for

The jobs each tool is most often brought in to do.

Copilot Money

  • Tracking spending across connected accountsnot Fidelity
  • Budgeting by category with automatic transaction taggingnot Fidelity
  • Investment and net worth trackingnot Fidelity
  • Reviewing recurring subscriptionsnot Fidelity

Fidelity

  • Commission free trading of US stocks and ETFsnot Copilot Money
  • Holding IRAs, 401(k) plans and taxable brokerage accountsnot Copilot Money
  • Trading bonds, options and mutual funds from one accountnot Copilot Money

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Copilot Money

  • Apple only: web, iPhone, iPad and Mac, with no Android app
  • No free tier; $95 a year billed annually, which works out at $7.92 a month
  • The trial only starts once accounts are connected

Fidelity

  • Options trades carry a 0.65 USD per contract fee on top of zero commission
  • Non Fidelity mutual funds carry a 49.95 USD transaction fee per purchase
  • Secondary market bonds cost 1.00 USD per bond, while new issues are free
  • A foreign settlement fee of 50 USD applies per trade
  • Margin rates are tiered by debit balance, from 11.825 percent below 25,000 USD down to 7.50 percent at 1 million USD or more, against a base rate of 10.575 percent effective 12 December 2025
  • Margin liquidation by the broker costs 32.95 USD per liquidation

Pricing, plan by plan

Copilot Money

Free
  • FreeFree
    • Basic budgeting
    • Spending tracking
  • Premium$12.99/month
    • AI insights
    • Advanced analytics
    • Financial planning

Fidelity

On request
  • Brokerage$undefined/month
    • Commission-free trading
    • Research tools
  • Advisory$undefined/month
    • Personal advisor
    • Wealth management

Which should you pick?

Choose Copilot Money if

  • You need ai-powered insights.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want spending analysis.
Copilot Money review

Choose Fidelity if

  • You need commission-free trading.
  • You work on Web, IOS, Android.
  • You also want retirement planning.
Fidelity review

Questions people ask

Is Copilot Money or Fidelity better?
Neither clearly leads. Copilot Money starts at Free and Fidelity at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Copilot Money or Fidelity?
Copilot Money has a free tier; the other does not. Paid plans start at Free for Copilot Money and On request for Fidelity.
Does Copilot Money or Fidelity run on more platforms?
Both run on Web, IOS, Android, so platform support will not decide this one for you.
Can I use Copilot Money for free?
Yes. Copilot Money has a free tier, so you can try it without paying. Fidelity starts at On request.
What is Copilot Money best used for?
Copilot Money is most often used for tracking spending across connected accounts, budgeting by category with automatic transaction tagging, investment and net worth tracking, reviewing recurring subscriptions. Of those, tracking spending across connected accounts and budgeting by category with automatic transaction tagging are not what Fidelity is typically brought in for.
What can Copilot Money do that Fidelity cannot?
Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Fidelity covers Commission-free trading, Retirement planning, Advisory services, Research tools. Both handle Bank accounts, Web support, IOS support, Android support.
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