Copilot 2022 App Review: Is It Right For You?

GOBanking Rates Score

Quick take: The Copilot app is a subscription budgeting app available for iOS and macOS users that allows for more customization than some other budgeting apps. Interested users can try the app for free before signing up for a monthly or yearly subscription.
  • Budgeting Features
  • Navigation in the application
  • Subscription Services
  • Device compatibility

How did we calculate this?


  • Unlimited custom spend categories
  • The budget surplus is carried over from one month to the next by category
  • Can be linked to over 10,000 financial institutions

The inconvenients

  • Only available for iOS and macOS
  • Paid subscription service

Introducing the Copilot app

The Copilot app by Copilot Money, Inc. is a budget and investment tracking tool currently only available to Apple users. This customizable app allows users to link most financial accounts, including cryptocurrency and brokerage accounts. Users can even import Apple Card and Venmo transactions.

Many of Copilot’s budgeting features are customizable to meet each user’s unique budgeting needs.

Main characteristics

GOBankingRates gave the Copilot app an overall rating of 4.3 based on the following characteristics.

Budgeting Features

Some of the budgeting features of the Copilot app that users are sure to appreciate include the ability to:

  • Create custom budget categories
  • Configure custom transaction categorization rules
  • Report monthly budget overruns by category
  • Create variable budget categories for different months
  • Easily rebalance budget categories

Navigation in the application

Copilot has an intuitive design with simple navigation from the app’s dashboard. From linking financial accounts to confirming that transactions are assigned to the correct budget categories, the application enables users to efficiently perform the tasks necessary to track and manage their budgets.

Subscription Services

Copilot is a subscription service that can be paid monthly or annually. Monthly plan subscribers pay $8.99. Those on the annual plan pay a fee of $69.99 once a year, saving them over $36 per year compared to the monthly plan.

Device compatibility

The only way to use Copilot is with the app on an iOS or macOS device. There is neither an online version accessible via a web browser nor an Android version.

How the Copilot app stands out

The Copilot app has a few features that are worth considering. First, the rebalancing feature allows users to adjust category budgets to their actual spending for a single month or all upcoming months with a single click on the app.

Additionally, the ability to set a budget category as static or variable by month can make it easier to track fluctuating budget categories. The application also allows the customization of many other features.

Comparable Copilot app options

Here are some budgeting apps comparable to Copilot and available on iOS and Android devices.


Mint is a budgeting app and more. It is completely free and can be used on a computer or any mobile device. In addition to budget tracking, Mint offers free credit monitoring, bill payment tracking, custom goal setting, and more.


With YNAB, which stands for “You Need a Budget,” users pay $14.99 per month or $98.99 per year, but the app comes with an extensive learning library, live workshops and access to an online community that some users may find worth the cost.

A unique feature of YNAB is the ability to resolve an imbalanced budget.

How to subscribe

Those interested in trying out the Copilot app can download the app from the App Store. Once downloaded to a compatible device, users can launch the app and follow the instructions to create an account.

Who is the Copilot app for?

The Copilot app is ideal for Apple users willing to pay for customizable budgeting features. It’s also great for frequent Apple Card and Venmo users who want an easy way to track those transactions in a budgeting app.

Final take

The Copilot app is a solid budgeting app, but only iOS and macOS users can take advantage of its many features.

Android users and those who don’t want to pay for a subscription can find many of the same features in other budgeting apps that don’t require a paid subscription.


Here are answers to some common questions about the Copilot app.

  • How much does the Copilot app cost?
    • The Copilot app costs $8.99 for users who pay monthly. This is a one-time payment of $69.99 for those who pay annually.
  • Is Copilot a good app?
    • The Copilot app has an overall rating of 4.8 based on over 4,800 customer reviews on the Apple Store.
  • How does the Copilot app work?
    • Like many other budgeting apps, Copilot allows users to automatically import transactions and link their financial accounts – including many cryptocurrency accounts – to the app.
    • Users can track and manage their imported transactions and overall budget from a convenient dashboard.
  • Is there a free version of Copilot?
    • Interested budgeters can try Copilot for free, but cannot link any financial accounts. However, users can enter manual transactions to get a feel for how the app works and what it can do before buying a subscription or taking the time to connect all of their accounts.
    • Subscribers get a full free trial before being charged for their subscription.

Information is accurate as of June 20, 2022.

Editorial Note: This content is not provided by Copilot. Any opinions, analyses, criticisms, evaluations or recommendations expressed in this article are those of the author alone and have not been reviewed, endorsed or otherwise endorsed by Copilot.

About the Author

Andrea Norris has worked in the web publishing industry for 15 years, both as a content contributor and editor specializing in topics related to personal finance, frugal living, home and automotive . She writes short and long content and is well trained in SEO keyword research and writing.

About Stuart M. McFarland

Check Also

Getcetgo Login Online Application Download for CET/NEET Get Cet Go

Getcetgo Login online app download: To help students in their preparation for CET and NEET, …