Software · head to head
E*TRADE vs Copilot Money
The short version
- Only Copilot Money has a free tier, so it costs nothing to try first.
- Each has a real cost: E*TRADE stock and ETF trades were $0 commission but options carried a $0.65 per-contract fee, broker-assisted trades added a $25 surcharge, and margin interest rates ranged from 12.70% to 13.20% depending on balance tier (Internet Archive capture, 3 January 2023); Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app
- They diverge on capability: E*TRADE covers Advanced trading tools, Copilot Money covers AI-powered insights.
Where they differ
Only the attributes on which E*TRADE and Copilot Money actually diverge.
| Attribute | E*TRADE | Copilot Money |
|---|---|---|
| Starting price | On request | Free |
| Pricing model | transaction | freemium |
| Free tier | No | Yes |
| Founded | 1956 | 2020 |
Identical on both: platforms (Web, IOS, Android), user rating (Not yet rated), category (Unknown).
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 E*TRADE
- Advanced trading tools
- Options and futures
- Research tools
- Mobile trading
- Wire transfers
Only in Copilot Money
- AI-powered insights
- Spending analysis
- Budget optimization
- Financial planning
- Credit cards
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.
E*TRADE
- Budget Managementnot Copilot Money
- Expense Trackingnot Copilot Money
- Investment Trackingnot Copilot Money
Copilot Money
- Tracking spending across connected accountsnot E*TRADE
- Budgeting by category with automatic transaction taggingnot E*TRADE
- Investment and net worth trackingnot E*TRADE
- Reviewing recurring subscriptionsnot E*TRADE
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
E*TRADE
- Stock and ETF trades were $0 commission but options carried a $0.65 per-contract fee, broker-assisted trades added a $25 surcharge, and margin interest rates ranged from 12.70% to 13.20% depending on balance tier (Internet Archive capture, 3 January 2023)
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 $7.92 a month
- The trial only starts once accounts are connected
Pricing, plan by plan
E*TRADE
On request- Stock & ETF TradingFree
- Commission-free trades
- Real-time quotes
- Advanced Trading$undefined/month
- All Stock & ETF features
- Options, futures
- Advanced tools
Copilot Money
Free- FreeFree
- Basic budgeting
- Spending tracking
- Premium$12.99/month
- AI insights
- Advanced analytics
- Financial planning
Which should you pick?
Choose E*TRADE if
- You need advanced trading tools.
- You work on Web, IOS, Android.
- You also want options and futures.
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.
Questions people ask
- Is E*TRADE or Copilot Money better?
- Neither clearly leads. E*TRADE starts at On request and Copilot Money at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, E*TRADE or Copilot Money?
- Copilot Money has a free tier; the other does not. Paid plans start at On request for E*TRADE and Free for Copilot Money.
- Does E*TRADE or Copilot Money 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. E*TRADE starts at On request.
- What is E*TRADE best used for?
- E*TRADE is most often used for budget management, expense tracking, investment tracking. Of those, budget management and expense tracking are not what Copilot Money is typically brought in for.
- What can E*TRADE do that Copilot Money cannot?
- E*TRADE covers Advanced trading tools, Options and futures, Research tools, Mobile trading. Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Both handle Bank accounts, Web support, IOS support, Android support.