Software · head to head
Personal Capital vs Copilot Money
The short version
- Each has a real cost: Personal Capital wealth management requires a 100,000 USD minimum for Investment Services, 250,000 USD for Wealth Management and 1,000,000 USD for Private Client; Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app
- They diverge on capability: Personal Capital covers Investment tracking, Copilot Money covers AI-powered insights.
Where they differ
Only the attributes on which Personal Capital and Copilot Money actually diverge.
| Attribute | Personal Capital | Copilot Money |
|---|---|---|
| Founded | 2010 | 2020 |
Identical on both: starting price (Free), pricing model (freemium), 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 Personal Capital
- Investment tracking
- Retirement calculator
- Fee analyzer
- Net worth tracking
- Investment accounts
- Real estate
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.
Personal Capital
- Tracking net worth and investment accounts in one dashboardnot Copilot Money
- Managed portfolio construction with tax loss harvesting for high balance investorsnot Copilot Money
- Retirement planning projections across linked accountsnot Copilot Money
Copilot Money
- Tracking spending across connected accountsnot Personal Capital
- Budgeting by category with automatic transaction taggingnot Personal Capital
- Investment and net worth trackingnot Personal Capital
- Reviewing recurring subscriptionsnot Personal Capital
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Personal Capital
- Wealth management requires a 100,000 USD minimum for Investment Services, 250,000 USD for Wealth Management and 1,000,000 USD for Private Client
- The annual advisory fee is charged as a percentage of assets under management on a tiered structure rather than a flat subscription
- Assets are custodied at Pershing Advisor Solutions rather than by the provider itself
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 $7.92 a month
- The trial only starts once accounts are connected
Pricing, plan by plan
Personal Capital
Free- FreeFree
- Account tracking
- Net worth monitoring
- Investment analysis
- Premium$undefined/month
- Financial advisor access
- Personalized advice
Copilot Money
Free- FreeFree
- Basic budgeting
- Spending tracking
- Premium$12.99/month
- AI insights
- Advanced analytics
- Financial planning
Which should you pick?
Choose Personal Capital if
- You need investment tracking.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want retirement calculator.
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 Personal Capital or Copilot Money better?
- Neither clearly leads. Personal Capital 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, Personal Capital or Copilot Money?
- Personal Capital starts at Free and Copilot Money at Free.
- Does Personal Capital 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 Personal Capital for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Personal Capital best used for?
- Personal Capital is most often used for tracking net worth and investment accounts in one dashboard, managed portfolio construction with tax loss harvesting for high balance investors, retirement planning projections across linked accounts. Of those, tracking net worth and investment accounts in one dashboard and managed portfolio construction with tax loss harvesting for high balance investors are not what Copilot Money is typically brought in for.
- What can Personal Capital do that Copilot Money cannot?
- Personal Capital covers Investment tracking, Retirement calculator, Fee analyzer, Net worth tracking. Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Both handle Bank accounts, Web support, IOS support, Android support.