Software · head to head
Mint vs Copilot Money
The short version
- Each has a real cost: Mint service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere; Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app
- They diverge on capability: Mint covers Expense tracking, Copilot Money covers AI-powered insights.
Where they differ
Only the attributes on which Mint and Copilot Money actually diverge.
| Attribute | Mint | Copilot Money |
|---|---|---|
| Pricing model | free | freemium |
| Founded | 2006 | 2020 |
Identical on both: starting price (Free), free tier (Yes), 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 Mint
- Expense tracking
- Budgets
- Bill tracking
- Credit score monitoring
- Financial insights
- Bank connections
- Bank-level encryption
- Verisign secured
Only in Copilot Money
- AI-powered insights
- Spending analysis
- Budget optimization
- Financial planning
- Bank accounts
- Credit cards
- IOS support
Both cover
- Web support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Mint
- Legacy free budget tracking for users with supported bank connectionsnot Copilot Money
- Users transitioning to Credit Karma for continued money management featuresnot Copilot Money
Copilot Money
- Tracking spending across connected accountsnot Mint
- Budgeting by category with automatic transaction taggingnot Mint
- Investment and net worth trackingnot Mint
- Reviewing recurring subscriptionsnot Mint
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Mint
- Service transitioned to Credit Karma platform; standalone Mint features migrated elsewhere
- Bank connections supported for only 17,000 financial institutions; many regional or international banks not supported
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
Mint
FreeNo published plan breakdown. See the Mint review.
Copilot Money
Free- FreeFree
- Basic budgeting
- Spending tracking
- Premium$12.99/month
- AI insights
- Advanced analytics
- Financial planning
Which should you pick?
Choose Mint if
- You need expense tracking.
- You want to start without paying.
- You work on Web, iOS, Android.
- You also want budgets.
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 Mint or Copilot Money better?
- Neither clearly leads. Mint starts at Free and Copilot Money at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Mint or Copilot Money?
- Mint starts at Free and Copilot Money at Free.
- Does Mint or Copilot Money run on more platforms?
- Mint runs on Web, iOS, Android. Copilot Money runs on Web, IOS, Android.
- Can I use Mint for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Mint best used for?
- Mint is most often used for legacy free budget tracking for users with supported bank connections, users transitioning to credit karma for continued money management features. Of those, legacy free budget tracking for users with supported bank connections and users transitioning to credit karma for continued money management features are not what Copilot Money is typically brought in for.
- What can Mint do that Copilot Money cannot?
- Mint covers Expense tracking, Budgets, Bill tracking, Credit score monitoring. Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Both handle Web support, Android support.