Copilot Money Cost: Copilot Money Pricing, How Much Is Copilot Money and the Free Trial

Copilot Money costs $95 a year on annual billing or $13 a month on monthly billing. Both options unlock the same app with the same features, so the only difference is how you pay. Annual is $61 cheaper over twelve months, a saving of about 39 percent against paying $13 twelve times.

There is no cheaper tier with fewer features and no premium tier above it. That is unusual in this category. Monarch sells Core and Plus, Rocket Money sells Free, Premium and Premium+, and Quicken Classic has Deluxe, Premier and Business & Personal. With Copilot you are deciding one thing: whether the app is worth $95 a year to you.

Copilot Money is $13 per month if you choose monthly billing, and $7.92 per month if you pay $95 for the year up front. Copilot advertises the $7.92 figure on its site, but you cannot pay that amount monthly. It is the annual price divided by twelve and it is charged as one $95 payment.

Monthly billing makes sense for a short test past the trial, or if you expect to leave within a few months. Past about seven months, $13 a month costs more than the full annual plan, so if you are still using Copilot at the half-year mark, switching to annual saves money from that point on.

Yes. Copilot's App Store listing offers a one-month free trial, and you choose annual or monthly billing when you start it. Before the trial, Copilot also lets you try the app with sample data, so you can see the dashboard and categories before connecting a single bank account. You can turn off auto-renewal at any time under Settings, then Subscription.

A month is long enough to judge Copilot properly, which is not true of every app here. Monarch gives seven days. Connect every account on the first day, let one full pay cycle run through, and check how many transactions you had to recategorize by hand. That number is the best predictor of whether you will still be opening the app in month six.

No. Copilot Money has no free plan. Copilot says so on its own homepage, where it explains that it charges a subscription instead of showing ads or selling data. After the one-month trial you are on the $95 annual plan or the $13 monthly plan, or you stop using the app.

If a free plan is a requirement, Rocket Money is the only app in this comparison with one, and it is limited to two custom budget categories and phone-only access. Everyone else, including Monarch, YNAB, Simplifi and Quicken, charges from the end of the trial.

Copilot is one of the cheaper paid budgeting apps on annual billing. At $95 a year it undercuts Monarch Core at $99.99 and YNAB at $109, and costs more than Simplifi at its regular $83.88. On monthly billing the order changes: Copilot's $13 is below Monarch's $14.99 and YNAB's $14.99, and well above Simplifi's $6.99.

The five-year column assumes today's prices hold, which no vendor promises. Simplifi's $47.88 first year is a Quicken promotion that currently runs through October 24, 2026, after which it renews at $6.99 a month billed annually. Quicken Classic renews at "then-current rates", so we do not project it. Rocket Money has no annual plan, so its range is simply twelve months of whatever monthly amount you pick.

Price is rarely the deciding factor between these apps, because the spread on annual billing is about $25 a year between Copilot, Monarch and YNAB. Platform, method and data are what separate them. Our Copilot vs Simplifi comparison covers the budgeting differences, and Monarch Money cost breaks down Monarch's two plans in the same format as this page.

Copilot Money is worth $95 a year if you live on Apple devices and want an app that categorizes spending well with very little input, reviews each transaction in a clean daily feed, and puts budgets, recurring bills and investments in one place. It is not worth it if anyone in your household uses Android, if you need a shared budget on two different phone platforms, or if you rely on years of past history.

The strongest case for Copilot is the individual who checks spending most days on an iPhone and wants the app to do the sorting. The weakest case is a couple split across iPhone and Android, or a long-time Quicken user who expects to bring a decade of transactions along. For those buyers, Monarch or YNAB is the safer $100.

No. Copilot Money runs on iPhone, iPad, Mac and in a web browser, and there is no Android app. The web app, launched in December 2025, works in a desktop browser on any computer, and Copilot says it is optimized for desktop rather than phone browsers. An Android user can technically log in on the web, but not on their phone.

The web version also lacks some features the Apple apps have, including the Goals and Cash Flow tabs, transaction name rules and real estate tracking, according to Copilot's web FAQ. If an Android phone is your daily device, Monarch, YNAB, Simplifi and Rocket Money all have native Android apps.

No. Copilot's help center documents no way to import a Quicken file, a QIF export or Quicken history of any kind. Transactions come from linked bank accounts, which usually supply one to two years of history, or from manual entries. Copilot also says it cannot create historic balance data for manual accounts, and investment accounts do not backfill past history.

For someone leaving Quicken this is the most expensive part of the switch, and it does not appear on any price list. Decide what the old history is for before you cancel Quicken. If you want a permanent, searchable archive, export QIF from Quicken for Windows (our guide on how to export QIF from Quicken covers every version) and convert it with the tool at the top of this page into a spreadsheet using the QIF to Excel converter. If some of those accounts belong to a side business or rental, convert them to a QBO file instead and bring them into QuickBooks, where the history is useful for tax work rather than just stored.

You can test three files of up to 100 transactions each with a free QIFQBO account. Excel and CSV output and larger batches are on paid plans, which suit a one-time migration of a large Quicken file with many accounts.

You lose access to the app when the paid period ends, because Copilot is a hosted service with no local file. Export your transactions to CSV first. Copilot supports CSV export on iPhone, iPad, Mac and the web, and that file is the only copy of your categorized history you keep after cancelling.

Compare that with Quicken Classic, where the data access guarantee lets Deluxe and higher keep viewing, editing and exporting the file after a subscription lapses. We explain exactly what still works in what happens when a Quicken subscription expires.

It depends on where you paid. Subscriptions bought through the App Store are billed by Apple, so refunds go through Apple's request process rather than Copilot. Subscriptions bought on the web or through the Copilot website are billed by Copilot, and its help center describes a full refund when you cancel within the first month and contact support promptly.

The simplest way to avoid needing a refund is to use the full one-month trial and turn off auto-renew on day one if you are unsure. You keep the trial until it ends, and nothing is charged.

Quicken Classic Deluxe costs $83.88 for its first year, billed annually, and Premier costs $95.88, so Copilot at $95 sits right between them. The difference is not the price. Quicken Classic is desktop software on Windows or Mac that keeps a local file, handles investments by security and lot, prints reports for tax time, and reads your existing history. Copilot is a phone-first app that starts with only what your banks send.

If you are a Mac user tired of Quicken for Mac, Copilot is a reasonable move for everyday spending. If you track investments carefully or file a Schedule C from your finance software, it is not a replacement. Our full Copilot vs Quicken comparison goes through what you give up, and Quicken alternatives covers the desktop options that do read QIF.

Pay annually. At $95 a year you pay $7.92 a month instead of $13, which saves $61 over twelve months for the same app. Use the full one-month trial first so the annual charge only happens once you know you want it. Copilot does not sell a lifetime license.

If you want a lower bill than $95 and do not need Copilot's design, Simplifi at $83.88 a year regular is the lowest-priced full budgeting app here, and our Quicken Simplifi review covers what you get for that price.

Buy Copilot if you use an iPhone and a Mac, want spending sorted for you with minimal setup, and are happy to start your history from the date your banks can supply. It suits one person better than a mixed-platform couple. Skip it if you need Android, if you want a zero-based budget method, where YNAB is built for that, or if you depend on Quicken-grade investment and tax reporting.

Whatever you choose, deal with your old Quicken data before the subscription lapses. Export QIF once, convert it to a spreadsheet or a QBO file, and your past years stay usable no matter which app you pay for next.