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Personal Finance · head to head

Rocket Money vs Copilot Money

Rocket Money logo

Rocket Money

Personal Finance

Cancel subscriptions and save money automatically

From
Free
Rated
-
Full reviewWebsite
Copilot Money logo

Copilot Money

Personal Finance

AI-powered personal finance assistant

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Rocket Money successful bill negotiation costs a one time fee of 35% to 60% of the first year's savings; Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app
  • They diverge on capability: Rocket Money covers Subscription tracking, Copilot Money covers AI-powered insights.

Where they differ

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

Attributes where Rocket Money and Copilot Money differ
AttributeRocket MoneyCopilot Money
Founded20162020

Identical on both: starting price (Free), pricing model (freemium), free tier (Yes), 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 Rocket Money

  • Subscription tracking
  • Bill negotiation
  • Automatic savings
  • Spending insights
  • Credit score monitoring
  • Utility providers

Only in Copilot Money

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

Both cover

  • Bank accounts
  • Credit cards
  • Web support
  • IOS support
  • Android support

What people use each for

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

Rocket Money

  • Finding and cancelling unwanted subscriptionsnot Copilot Money
  • Tracking bills and spending in one appnot Copilot Money
  • Having a third party negotiate down recurring billsnot Copilot Money

Copilot Money

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

Where each one falls short

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

Rocket Money

  • Successful bill negotiation costs a one time fee of 35% to 60% of the first year's savings
  • Premium is priced on a sliding scale and the help centre publishes no fixed monthly or annual amount, stating rates vary across platforms
  • Custom budget categories, financial goal plans, credit score tracking and real time account syncing are Premium only
  • The Premium free trial is 7 days

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

Rocket Money

Free
  • FreeFree
    • Subscription tracking
    • Spending insights
    • Bill reminders
  • Premium$12/month
    • Bill negotiation
    • Subscription cancellation
    • Smart savings

Copilot Money

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

Which should you pick?

Choose Rocket Money if

  • You need subscription tracking.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want bill negotiation.
Rocket Money review

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

Questions people ask

Is Rocket Money or Copilot Money better?
Neither clearly leads. Rocket Money 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, Rocket Money or Copilot Money?
Rocket Money starts at Free and Copilot Money at Free.
Does Rocket Money 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 Rocket Money for free?
Both have a free tier, so you can try either at no cost before committing.
What is Rocket Money best used for?
Rocket Money is most often used for finding and cancelling unwanted subscriptions, tracking bills and spending in one app, having a third party negotiate down recurring bills. Of those, finding and cancelling unwanted subscriptions and tracking bills and spending in one app are not what Copilot Money is typically brought in for.
What can Rocket Money do that Copilot Money cannot?
Rocket Money covers Subscription tracking, Bill negotiation, Automatic savings, Spending insights. Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Both handle Bank accounts, Credit cards, Web support, IOS support.
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