Personal Finance · head to head
Wealthfront 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: Wealthfront the Automated Investing Account carries a 0.25% annual advisory fee on top of the underlying fund expenses; Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app
- They diverge on capability: Wealthfront covers Automated portfolio management, Copilot Money covers AI-powered insights.
Where they differ
Only the attributes on which Wealthfront and Copilot Money actually diverge.
| Attribute | Wealthfront | Copilot Money |
|---|---|---|
| Starting price | On request | Free |
| Pricing model | transaction | freemium |
| Free tier | No | Yes |
| Founded | 2011 | 2020 |
Identical on both: 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 Wealthfront
- Automated portfolio management
- Tax-loss harvesting
- Index fund investing
- Investment accounts
Only in Copilot Money
- AI-powered insights
- Spending analysis
- Budget optimization
- Credit cards
Both cover
- Financial planning
- Bank accounts
- Web support
- IOS support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Wealthfront
- Automated index fund investing with periodic rebalancingnot Copilot Money
- Tax loss harvesting in a taxable brokerage accountnot Copilot Money
- Buying fractional shares of individual stocks with no commissionnot Copilot Money
Copilot Money
- Tracking spending across connected accountsnot Wealthfront
- Budgeting by category with automatic transaction taggingnot Wealthfront
- Investment and net worth trackingnot Wealthfront
- Reviewing recurring subscriptionsnot Wealthfront
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
Wealthfront
- The Automated Investing Account carries a 0.25% annual advisory fee on top of the underlying fund expenses
- Tax-Loss Harvesting and automated rebalancing apply to the Automated Investing Account, not the self-directed Stock Investing Account
- It is a US brokerage product and is not offered to investors outside the United States
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
Wealthfront
On request- BasicFree
- Automated investing
- Tax-loss harvesting
- Rebalancing
- Premium Plus$50/month
- All Basic features
- Financial planning
- Human advisor access
Copilot Money
Free- FreeFree
- Basic budgeting
- Spending tracking
- Premium$12.99/month
- AI insights
- Advanced analytics
- Financial planning
Which should you pick?
Choose Wealthfront if
- You need automated portfolio management.
- You work on Web, IOS, Android.
- You also want tax-loss harvesting.
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 Wealthfront or Copilot Money better?
- Neither clearly leads. Wealthfront 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, Wealthfront or Copilot Money?
- Copilot Money has a free tier; the other does not. Paid plans start at On request for Wealthfront and Free for Copilot Money.
- Does Wealthfront 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. Wealthfront starts at On request.
- What is Wealthfront best used for?
- Wealthfront is most often used for automated index fund investing with periodic rebalancing, tax loss harvesting in a taxable brokerage account, buying fractional shares of individual stocks with no commission. Of those, automated index fund investing with periodic rebalancing and tax loss harvesting in a taxable brokerage account are not what Copilot Money is typically brought in for.
- What can Wealthfront do that Copilot Money cannot?
- Wealthfront covers Automated portfolio management, Tax-loss harvesting, Index fund investing, Investment accounts. Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Credit cards. Both handle Financial planning, Bank accounts, Web support, IOS support.