Investing comparison
Bloom vs Copilot Money
Updated
BloomInvesting app
Copilot MoneyBudgeting appPriceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Bloom is an investing app and Copilot Money is a budgeting app. Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year, while Copilot Money costs $13 a month, or $95 a year billed yearly. We checked both on Oct 24, 2026, and the official sources differ on 3 of the 9 rows in the table below.
Bloom vs Copilot Money at a glance
Bloom is an investing app and Copilot Money is a budgeting app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 3 of the 9 rows in the table below.
Price and fees
Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. Copilot Money costs $13 a month, or $95 a year billed yearly. We checked both on Oct 24, 2026.
Free trial
Copilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length. We haven't verified this for Bloom yet, so check the official site for Bloom before you decide. We checked Copilot Money on Oct 24, 2026.
Opening and balance minimums
Bloom has no minimum account balance, but deposits and stock orders must be at least $1. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Bloom on Oct 24, 2026.
Protection
Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Bloom on Oct 24, 2026.
Platforms
Bloom lists iOS and Android. Copilot Money lists iPhone, iPad, Mac and Web. We checked both on Oct 24, 2026.
Features
Both Bloom and Copilot Money list AI features. We checked both on Oct 24, 2026.
App store rating
Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
Bloom and Copilot Money, side by side
Rows marked “Differs” are where the two official sources say different things, and 3 rows do here.
Swipe the table sideways to see both apps.
| Field | BloomInvesting appBloom is a subscription app for learning to invest, with lessons, games and an investing account for adults and teens.Visit Bloom's site | Copilot MoneyBudgeting appCopilot Money is a paid budgeting and tracking app that uses AI to tag your transactions automatically.Visit Copilot Money's site |
|---|---|---|
| Price and feesDiffers | Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year.As of Oct 24, 2026. Source: bloomapp.com/faq | Copilot Money costs $13 a month, or $95 a year billed yearly.As of Oct 24, 2026. Source: copilot.money |
| Free trial | Not verified yet. | Copilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length.As of Oct 24, 2026. Source: copilot.money |
| APY or rate | Not verified yet. | Not verified yet. |
| Opening and balance minimums | Bloom has no minimum account balance, but deposits and stock orders must be at least $1.As of Oct 24, 2026. Source: bloomapp.com/faq | Not verified yet. |
| Protection | Bloom's brokerage accounts are held at Alpaca Securities, a SIPC member. SIPC protection is limited to $500,000, including a $250,000 limit for cash.As of Oct 24, 2026. Source: sipc.org/for-investors/what-sipc-protects | Not verified yet. |
| PlatformsDiffers | Bloom lists iOS and Android.As of Oct 24, 2026. Source: bloomapp.com | Copilot Money lists iPhone, iPad, Mac and Web.As of Oct 24, 2026. Source: copilot.money |
| Bank syncing | Not verified yet. | Not verified yet. |
| Features |
|
|
| App store ratingDiffers | Bloom has 4.8 out of 5 on the App Store from 46,596 ratings.As of Oct 24, 2026. Source: App Store listing | Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. Spotted a change? Tell us if something changed.
What the apps look like
Bloom
Copilot Money
Which fits your Money Type?
There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.
StrategistNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Save the Raise.
SpenderNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Sleep on It.
SaverNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Put It to Work.
ScramblerNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Bloom nor Copilot Money feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.
What real users say
These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.
What Bloom users say
Based on 500 App Store reviews, 3 Reddit posts and 2 YouTube videos dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.
- Of the 505 reviews, posts and videos we read, 223 mention learning about investing.
- Of the 505 reviews, posts and videos we read, 71 mention how easy or hard the app is to use.
- Of the 505 reviews, posts and videos we read, 22 mention the price, fees or the subscription.
Positive
“...my favorite feature is the learning section of it. It has helped me understand so much that I wish I knew when I was younger!”
Mixed
“My kids are on bloom and it has been great so far. Only downside is you have to pay for it but worth it imo.”
Critical
“There is no way to avoid the $15 subscription with Bloom even if you are not using the "learning" platform.”
Where these come from
- Bloom reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for Bloom, read Oct 24, 2026. Public search of comments and posts. 0 named the app; we kept 0 where the writer shares their own use of it.
- Reddit search for Bloom, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Bloom investing app", posts and comments from after Oct 24 2025. It returned 79, most of them about something else. We kept 3 where the writer shares their own use of the app or a clear opinion of it. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for Bloom, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Bloom investing app review" from the past year, up to 8 videos. It returned 8. We kept 2 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/Mother-Mountain9299 in r/OracleStock on Reddit, Oct 15, 2026.
- u/ConditionSufficient7 in r/investingforbeginners on Reddit, Jul 14, 2026.
- "Investing For Beginners Is Now Accessible With Bloom | Bloom App Review" by SaaS Reviews on YouTube, Jul 7, 2026.
- u/itsyourboyjjjj in r/investing on Reddit, Mar 8, 2026.
- "How to Use Bloom Investment App for Teens App Properly Beginner Mistakes That Cost You" by Whodunnit Den on YouTube, Nov 12, 2025.
What Copilot Money users say
Based on 500 App Store reviews, 4 Reddit posts and 4 Hacker News posts dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.
- Of the 508 reviews and posts we read, 104 mention how easy or hard the app is to use.
- Of the 508 reviews and posts we read, 94 mention the price, fees or the subscription.
- Of the 508 reviews and posts we read, 55 mention customer service or support.
Positive
“I switched to Copilot when Mint shut down. This app is much better than Mint ever was.”
Critical
“App was great until Schwab stopped connecting. Reverification fails. ... Support is completely unhelpful.”
Mixed
“Copilot is great if you just wanna open it and get a “this minute” picture of your money but it could be better.”
Where these come from
- Copilot Money reviews on the App Store, read Oct 24, 2026. The public feed returns the 500 most recent US reviews. We kept every one dated inside the window.
- Hacker News search for Copilot Money, read Oct 24, 2026. Public search of comments and posts. 7 named the app; we kept 4 where the writer shares their own use of it.
- Reddit search for Copilot Money, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "Copilot Money app", posts and comments from after Oct 24 2025. It returned 100, most of them about something else. We kept 2 where the writer shares their own use of the app or a clear opinion of it, plus 2 from another app's search that discuss this app. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for Copilot Money, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "Copilot Money app review" from the past year, up to 8 videos. It returned 8. We kept 0 and left out the app's own channel, sponsored videos, videos with affiliate or referral links and videos about a different product. We count themes from each video's title, description and captions, but we don't quote videos, because the captions we have carry no timestamps.
- u/mosscollection in r/MoneyDiariesACTIVE on Reddit, Oct 24, 2026.
- u/rayin in r/MoneyDiariesACTIVE on Reddit, Oct 23, 2026.
- u/cailian13 in r/portfolios on Reddit, Oct 21, 2026.
- u/Kooky-Ad-725 in r/MuseAgent on Reddit, Oct 13, 2026.
- arjie on Hacker News, May 16, 2026.
- greedo on Hacker News, Apr 6, 2026.
- exabrial on Hacker News, Feb 9, 2026.
- grvdrm on Hacker News, Nov 22, 2025.
FAQ
How much does Bloom cost?
Bloom offers a $15 monthly plan and a $99.99 annual plan, and its custodial plan costs $150 a year. We checked this on Oct 24, 2026.
How much does Copilot Money cost?
Copilot Money costs $13 a month, or $95 a year billed yearly. We checked this on Oct 24, 2026.
Which is cheaper, Bloom or Copilot Money?
The lowest monthly price Bloom lists is $15 a month, and the lowest Copilot Money lists is $13 a month, so Copilot Money lists the lower monthly price. We checked both on Oct 24, 2026, and plans change, so check both pricing pages before you decide.
What is Bloom's app store rating?
Bloom has 4.8 out of 5 on the App Store from 46,596 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
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Keep comparing
- Read our Copilot Money review.
- See Bloom alternatives, closest category first.
- See Copilot Money alternatives, closest category first.
- Browse our guide to the low-cost brokerage accounts.
- Want the bigger picture? Compare more money apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Want a plan built on your Money Type?
Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.
Sources and dates
- bloomapp.com/faq (2026), checked Oct 24, 2026.
- sipc.org/for-investors/what-sipc-protects (2026), checked Oct 24, 2026.
- bloomapp.com (2026), checked Oct 24, 2026.
- App Store listing (2026), checked Oct 24, 2026.
- copilot.money (2026), checked Oct 24, 2026.
- App Store listing (2026), checked Oct 24, 2026.
This is education, not financial advice.
