Software · head to head
Fidelity 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: Fidelity options trades carry a 0.65 USD per contract fee on top of zero commission; Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app
- They diverge on capability: Fidelity covers Commission-free trading, Copilot Money covers AI-powered insights.
Where they differ
Only the attributes on which Fidelity and Copilot Money actually diverge.
| Attribute | Fidelity | Copilot Money |
|---|---|---|
| Starting price | On request | Free |
| Pricing model | transaction | freemium |
| Free tier | No | Yes |
| Founded | 1946 | 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 Fidelity
- Commission-free trading
- Retirement planning
- Advisory services
- Research tools
- Investment accounts
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.
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
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
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
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 $7.92 a month
- The trial only starts once accounts are connected
Pricing, plan by plan
Fidelity
On request- Brokerage$undefined/month
- Commission-free trading
- Research tools
- Advisory$undefined/month
- Personal advisor
- Wealth management
Copilot Money
Free- FreeFree
- Basic budgeting
- Spending tracking
- Premium$12.99/month
- AI insights
- Advanced analytics
- Financial planning
Which should you pick?
Choose Fidelity if
- You need commission-free trading.
- You work on Web, IOS, Android.
- You also want retirement planning.
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 Fidelity or Copilot Money better?
- Neither clearly leads. Fidelity 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, Fidelity or Copilot Money?
- Copilot Money has a free tier; the other does not. Paid plans start at On request for Fidelity and Free for Copilot Money.
- Does Fidelity 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. Fidelity starts at On request.
- What is Fidelity best used for?
- Fidelity is most often used for commission free trading of us stocks and etfs, holding iras, 401(k) plans and taxable brokerage accounts, trading bonds, options and mutual funds from one account. Of those, commission free trading of us stocks and etfs and holding iras, 401(k) plans and taxable brokerage accounts are not what Copilot Money is typically brought in for.
- What can Fidelity do that Copilot Money cannot?
- Fidelity covers Commission-free trading, Retirement planning, Advisory services, Research tools. Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Both handle Bank accounts, Web support, IOS support, Android support.