Personal Finance · pricing
Copilot Money pricing
Copilot Money publishes 2 tiers. Below is each one, what it adds over the tier beneath it, and where the ladder stops being worth climbing for most people.
As of 30 August 2026, Copilot Money pricing is free, then $95/year across 2 published tiers. Figures are the vendor's list prices as recorded on this page's last check; the vendor's site is the final word.
- Entry price
- Free, then $95/year
- Model
- Subscription
- Tiers
- 2
- Free tier
- Yes
Copilot Money plans, side by side
Every published tier in ascending order of price, with the number of features each one lists. An absence here means the record does not itemise it, not that the tier lacks it.
| Plan | Price | Features listed | Step up from the tier below |
|---|---|---|---|
| Free Trial | Free | 2 | Entry tier |
| Paid Subscription | $95/year | 4 | +$95/year, 4 more features |
What each tier adds
The set difference between each tier's feature list and the one beneath it. Where a tier lists nothing new, the vendor has either stopped repeating the inherited list or the tier raises limits rather than adding capability, the record does not distinguish the two, so this page does not either.
Free Trial
FreeThe entry tier. It covers no credit card required, limited access to test the app.
Paid Subscription
$95/yearOver Free Trial, this tier adds:
- No ads
- No hidden fees
- Private data handling
- Full feature access
Where Copilot Money stops being free
Free Trial, Free
- No credit card required
- Limited access to test the app
Paid Subscription, $95/year
The first thing you pay for:
- No ads
- No hidden fees
- Private data handling
- Full feature access
What the product covers
The full Copilot Money feature record, grouped as the catalogue groups it. This is the product as a whole; the record does not map every feature onto a specific tier.
Other
- AI-powered insights
- Spending analysis
- Budget optimization
- Financial planning
Integrations
- Bank accounts
- Credit cards
Platform
- Web support
- IOS support
- Android support
People bring Copilot Money in for tracking spending across connected accounts, budgeting by category with automatic transaction tagging, investment and net worth tracking, reviewing recurring subscriptions. If that is not the job you are buying for, the alternatives to Copilot Money are worth a look before you commit to a tier.
How that compares in Personal Finance
Too few personal finance tools in this directory publish a starting price to quote a meaningful median, so the table below is a like-for-like list rather than a ranking.
| Tool | Entry price | Model | Rated | Head to head |
|---|---|---|---|---|
| Copilot Money (this page) | Free, then $95/year | subscription | - | |
| Monzo | Free | Free core current account; paid Plus and Premium tiers add features | - | vs Copilot Money |
| Revolut | Free | Free standard tier; paid plans add higher limits, insurance and perks | - | vs Copilot Money |
| Strands | On request | quote | - | vs Copilot Money |
| Affirm | Free | Free for short Pay in 4 plans; longer plans carry a disclosed APR up to roughly 36 percent, merchant pays a transaction fee | - | vs Copilot Money |
| Firefly III | Free | Open source, no licence fee | - | vs Copilot Money |
| Lunch Money | $60/year | Pay what you want, annual, above a published minimum | - | vs Copilot Money |
Ratings are aggregated from third-party sources and imported with each catalogue entry, they are not reviews hosted on Softwr. How each figure is used is set out on the Copilot Money badges page.
Before you pay for Copilot Money
Three things this page cannot tell you, and all three change the bill. The record carries a price and a billing period but not the unit - per-seat and flat-rate pricing are indistinguishable in this data, so a five-person team may be looking at five times the figure above. It carries no annual rate, so any discount for paying yearly is not something this page can quote. And it carries no trial length.
What it can tell you is the shape of the ladder: 2 tiers between Free and $95/year, with the jump itemised above. Because there is a free tier, the cheapest way to answer the rest is to use it before paying anything.
Copilot Money runs on web, ios, android, and is published by Copilot Money Inc. of San Francisco, California. The full record is on the Copilot Money review, and the rest of the category is under best personal finance tools.
Copilot Money pricing questions
- How much does Copilot Money cost?
- Copilot Money publishes 2 tiers, from Free for Free Trial up to $95/year for Paid Subscription. The entry tier costs nothing.
- Does Copilot Money have a free plan?
- Yes. The Free Trial tier costs nothing and covers no credit card required, limited access to test the app. Paying starts at $95/year for Paid Subscription.
- What is the difference between Free Trial and Paid Subscription on Copilot Money?
- Paid Subscription costs $95/year against Free, and adds no ads, no hidden fees, private data handling, full feature access.
- Which personal finance tools can I use without paying?
- 6 of the 8 personal finance tools listed alongside Copilot Money have a free tier: Monzo, Revolut, Affirm, Firefly III, Starling Bank.
- What am I actually paying for with Copilot Money?
- The record lists 9 features across 3 areas: other, integrations, platform. In practice it is brought in for tracking spending across connected accounts, budgeting by category with automatic transaction tagging, investment and net worth tracking.
- Does Copilot Money charge per user?
- The record carries a price and a billing period for each of its 2 tiers, but not the unit that price is charged in. Per-seat and flat-rate billing look identical in this data, so check the vendor's page before budgeting for a team.
- Are these Copilot Money prices current?
- They are what the catalogue entry holds, refreshed when the entry is. Vendors change pricing without notice and nobody at Softwr re-verifies each tier by hand, so treat this as a structured summary and the vendor's own pricing page as the authority.
- What should I compare Copilot Money against before paying?
- The closest personal finance tools in this directory are Monzo, Revolut, Strands, Affirm. Each has a side-by-side comparison with Copilot Money covering price, platforms and features.