Copilot vs Quicken: Copilot Money Cost and Switching

Copilot Money costs $95 a year or $13 a month and runs on iPhone, iPad, Mac and the web. Quicken Classic Deluxe costs $6.99 a month billed annually for the first year and runs as desktop software on Windows or Mac. Pick Copilot if you want a polished Apple app that categorizes spending for you and you are happy to start your history fresh. Stay with Quicken if you depend on per security investment records, bill pay, tax reports, or twenty years of transactions in one file. Copilot has no documented way to import a Quicken file, which is the part most comparisons skip.

Most people who search this comparison are Mac users. Quicken for Mac has always trailed the Windows version, and Copilot is one of the budgeting apps Apple users bring up most. The two products still solve different problems, so a feature grid does not help much. What helps is knowing exactly what you give up, what it costs over a few years, and what happens to the history you have built in Quicken.

Copilot's prices come from copilot.money, and its data behavior from the Copilot help center. Quicken's come from quicken.com's comparison page and its Data Access Guarantee article.

How much does Copilot Money cost compared with Quicken?

Copilot Money costs $95 a year, which Copilot shows as $7.92 a month, or $13 a month if you pay monthly. Quicken Classic Deluxe costs $83.88 for its first year, Premier $95.88, and Business & Personal $131.88, all billed annually. Quicken's prices are first year offers that renew at "then-current rates."

Quicken's fine print says its offers are "for the first year only when you order directly from Quicken by October 15, 2026." Copilot publishes no promotional rate on its homepage, so the $95 figure is also what you should expect to renew at, though any subscription price can change. Copilot also lets you "test drive" the app before connecting a single account, then start a free trial; its App Store listing describes that trial as one month.

Where you pay matters more than it looks. Copilot's help center says subscriptions bought in the iPhone, iPad or App Store Mac app are billed by Apple, so refunds go through Apple. Subscriptions started on the web, or in the Mac app downloaded from Copilot's own site, are billed through Stripe, and Copilot refunds those in full if you cancel within one month of the first purchase and email support within five days of cancelling. If you want a clean refund path during the trial, start on the web.

Is Copilot Money better than Quicken?

Copilot is better for day to day budgeting on Apple devices, and Quicken is better for complete financial records. Copilot's AI tags transactions automatically, tracks recurring charges, rolls unspent budget over, and shows net worth including investments and crypto. Quicken adds cost basis per security, bill pay, check printing, and tax and rental reports on higher tiers.

The deciding question is usually investments. Copilot shows investment balances and live performance estimates, which is plenty for watching a 401(k). But its help center says it is "not able to backfill historical investment data," so years of lots, dividends and cost basis stay in Quicken. If you sell taxable holdings and rely on Quicken to work out gains, Copilot is a budgeting companion rather than a replacement.

Can I import my Quicken data into Copilot Money?

Not in any way Copilot documents. Its help center covers exporting your transactions as a CSV file but describes no QIF or Quicken import. When you link an account, Copilot pulls whatever history the bank provides, which it says is one to two years at most institutions and up to three months at Capital One.

Manual accounts do not fill the gap either. Copilot's article on them says it "does not support creating historic data points or importing historic balance data." So a Quicken user with a decade of records has three realistic choices: keep the Quicken file for reference, archive the history in a spreadsheet, or move part of it into software that does accept a file.

The first option costs nothing extra. Quicken's Data Access Guarantee says Deluxe and higher members can still "view, edit, export, and manually enter transactions and accounts" after the membership ends; only downloads, quotes, mobile sync and support stop. The second option is where a converter earns its keep. Quicken Classic for Windows exports QIF; Quicken for Mac does not, so Mac users either open the data file in Quicken for Windows to run the export or settle for CSV from a register (our guide to exporting a QIF file from Quicken covers both routes). Then convert the QIF with the tool above into a spreadsheet with Date, Description and Amount columns. CSV and Excel output are part of the paid plans, and a batch holds up to 20 files, so one upload covers every account. The QIF to CSV converter page explains the output in detail.

Does Copilot Money work on Windows or Android?

Copilot lists iPhone, iPad, Mac and web. It does not list an Android app, and it has no Windows program, although its web app runs in a browser on a Windows PC. Quicken Classic has separate Windows and Mac versions and a mobile companion app.

For a household with one iPhone and one Android phone, that alone can settle it. Copilot's web app covers the Android partner at a desk but not on the go. Simplifi and Monarch both run on Android, which is why they come up so often in the same searches; our Monarch Money vs Quicken comparison and Quicken Simplifi review cover them.

What does Quicken do that Copilot doesn't?

Quicken keeps a full register you reconcile to the penny, tracks each security's cost basis and gains, prints checks, pays bills on Premier and higher, and adds tax schedule reports on Business & Personal. Copilot does none of that. It is built to show where money goes and what is left, not to be a book of record.

The small business line is the one that catches people. A freelancer or landlord who used Quicken's Business & Personal tier for tax categories loses that structure in Copilot. A common fix is to split the money: household spending goes to Copilot, and the business accounts move to accounting software. For QuickBooks, our converter turns the business accounts' QIF exports into QBO files that QuickBooks accepts through its bank file upload, which our Quicken to QuickBooks Online page walks through. If most of that side income arrives as platform payouts from YouTube, Etsy or similar, a creator income tracker keeps those deposits sorted by source before they ever reach the books.

Copilot vs Quicken for Mac users

On a Mac, Copilot is the more pleasant app and Quicken Classic for Mac is the more complete one. Copilot is built natively for Apple devices and syncs across iPhone, iPad and Mac. Quicken for Mac covers banking, budgets and investments well but still lacks some Windows features, depending on the tier.

If you are weighing other Mac-first options, Banktivity sits between the two: a native Mac app with a real register and investment tracking, sold as a subscription from $6.99 a month billed annually. See Banktivity vs Quicken and our roundup of personal finance software for Mac. And if you like the idea of full control more than a polished app, Tiller vs Quicken covers the spreadsheet route, which, unlike Copilot, can take your old history as a CSV.

Who should switch from Quicken to Copilot?

Switch if you use Apple devices, mostly want to know what you spent and what is left, and can let old history stay in Quicken or a spreadsheet. Stay if you rely on investment gains, bill pay, reconciled registers or tax reports. Everyone in between can run Copilot's trial while Quicken is still active and compare a month side by side.

A switch that loses nothing looks like this. Start Copilot's trial on the web and link your accounts. Export QIF for each account while your membership is active, from Quicken for Windows or a Windows copy of your Mac file. Convert the files: household accounts to Excel or CSV for your archive, business accounts to QBO if your bookkeeper uses QuickBooks. Then let Quicken lapse at renewal. Your old file stays readable under the Data Access Guarantee, and the converted files keep the history usable in tools you already own.

Related reading: Tiller vs Quicken, Monarch Money vs Quicken, YNAB vs Quicken, Quicken alternatives, personal finance software for Mac, and QIF to Excel converter.