Copilot Money vs Rocket Money Pricing and Features Compared

Copilot Money costs $95 a year (or $13 a month) and is a full budgeting and net worth tracker for iPhone, iPad, Mac and the web. Rocket Money Premium costs $7 to $14 a month with no annual plan, and it is built around finding subscriptions, cancelling them for you and negotiating bills. Pick Copilot if you want a complete budget on Apple devices. Pick Rocket Money if your goal is to cut recurring charges, or if anyone in the household uses Android.

The two apps get compared because they share a screen in the App Store, not because they do the same job. Copilot is a tracker you open every few days to see where money went and how the budget is holding. Rocket Money is a cost cutter: its most valuable moments are the week you sign up and the day it flags a price hike. Before you pay for either, it helps to be honest about which of those two problems you have.

Prices below were checked on copilot.money and rocketmoney.com. Rocket Money lets you choose your Premium price inside a range, so its yearly cost depends on what you pick.

Is Copilot better than Rocket Money?

Copilot is better as a budgeting and tracking app, and Rocket Money is better at cutting bills. Copilot categorizes transactions well, handles rollover budgets and tracks investments and net worth in one view. Rocket Money cancels unwanted subscriptions for you and negotiates some bills, which Copilot does not do at all. If you only ever open one of them, choose by the job you need done.

A pattern we see often is the two used in sequence. Someone signs up for Rocket Money, clears out a handful of forgotten subscriptions in the first month, then realises they still do not know where the rest of the money goes and moves to a real tracker. If that sounds like you, the first month of Rocket Money may earn back more than it costs, and Copilot is the longer-term home.

Which is cheaper, Copilot or Rocket Money?

Copilot is cheaper for a full year if you would pay more than $7.92 a month for Rocket Money Premium. Copilot's yearly plan is $95. Rocket Money Premium bills monthly only, so it runs $84 a year at the $7 minimum and $168 at $14. Rocket Money's free tier costs nothing, but it is limited, and bill negotiation fees come on top of either Rocket Money plan.

The negotiation fee is the line people forget. If Rocket Money gets your internet bill down by $20 a month, that is $240 of first-year savings, and a fee of 35% to 60% means paying $84 to $144 once. You still come out ahead, but in that year Rocket Money can cost more than Copilot. Our full Copilot Money cost breakdown compares Copilot's price with five other paid apps over five years.

Does Copilot Money negotiate bills or cancel subscriptions?

No. Copilot detects recurring charges and lists them so you can see what renews and when, but it does not contact companies on your behalf. Cancelling is up to you. Rocket Money's Premium plan includes cancellation help, and its negotiation team works on bills such as phone, internet and cable for a share of the savings. If hands-off bill cutting is the reason you are shopping, Copilot is the wrong purchase.

Does Copilot track credit score?

No. Copilot tracks accounts, budgets, investments and net worth, but it does not pull or monitor a credit score. Rocket Money includes credit score tracking with alerts. If your credit is the thing you actually want to move, a dedicated credit score coach that explains what is pulling the number down will do more than either budgeting app, because neither one tells you which account to pay down first.

Is Copilot Money on Android?

No. Copilot runs on iPhone, iPad and Mac, plus a web app designed for desktop browsers. There is no Android app, so a household with one Android phone cannot share Copilot day to day. Rocket Money has iPhone and Android apps. If Android is the deal breaker, our list of Copilot Money alternatives for Android and Windows covers the paid apps that run on both.

Is Rocket Money worth paying for?

Rocket Money Premium is worth paying for while it is finding and cancelling charges you no longer use, and much less worth it once that job is done. Many people get most of the value in the first month or two. After that, a monthly fee for subscription tracking adds up, which is why a lot of Premium users later move to a fuller budgeting app. Our Rocket Money alternatives roundup prices seven of them.

Can you use Copilot and Rocket Money together?

Yes. Both connect to your bank accounts independently, so running them side by side works, and some people do it for a short period: Rocket Money to clean up subscriptions, Copilot for the ongoing budget. Paying for both long term rarely makes sense, because Copilot already shows every recurring charge. If you try both, use Rocket Money's trial or free tier for the clean-up and keep Copilot as the paid app.

Which is better for couples, Copilot or Rocket Money?

For an all-Apple couple, Copilot works well because one account can be shared with a partner through a sign-in link and every device sees the same budget. For a mixed iPhone and Android couple, Rocket Money is the one both can install. If you want separate logins and a shared budget on any phone, neither is ideal, and our Copilot vs YNAB comparison walks through the household math.

Can I import my Quicken history into Copilot or Rocket Money?

Not directly. Neither app imports Quicken's QIF files, and Rocket Money has no file import of any kind, so years of Quicken history stay behind when you switch. Copilot can take a CSV in its own layout, which means the QIF file has to become a spreadsheet first. Export each account from Quicken (our guide to exporting a QIF file from Quicken covers every version), then run it through our QIF to CSV converter to get a clean, dated file you can import or keep as an archive.

If any of those accounts belong to a side business or rental property, the same QIF file can go into QuickBooks instead. The converter at the top of this page turns it into a balanced QBO file that QuickBooks Online or Desktop imports through Web Connect. You can test three files of up to 100 transactions with a free account, and CSV output and larger batches are on paid plans.

Should you buy Copilot or Rocket Money?

Buy Copilot if you are on Apple devices and want one app for budgets, spending, investments and net worth, at $95 a year. Buy Rocket Money if you suspect you are overpaying for subscriptions and bills and want someone to do the cancelling and negotiating, or if anyone at home uses Android. If you want a full budget at a lower price than either, Quicken Simplifi pricing is worth a look, and our YNAB vs Rocket Money comparison covers the strict-budgeting option.

Related reading: Copilot Money cost, Rocket Money vs Quicken, Copilot Money vs Simplifi and Rocket Money vs Simplifi.