Debt payoff comparison
Changed vs Copilot Money
Updated
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Changed is a debt payoff app and Copilot Money is a budgeting app. Changed lists plans from $6 a month on its website, 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 10 rows in the table below.
Changed vs Copilot Money at a glance
Changed is a debt payoff 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 10 rows in the table below.
Price and fees
Changed lists plans from $6 a month on its website. 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 Changed yet, so check the official site for Changed before you decide. We checked Copilot Money on Oct 24, 2026.
Platforms
Changed lists iOS. Copilot Money lists iPhone, iPad, Mac and Web. We checked both on Oct 24, 2026.
Bank syncing
Changed links your loans and the bank and spending accounts you want it to track for round-ups. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Changed on Oct 24, 2026.
Payoff methods
Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Changed on Oct 24, 2026.
Debt-free date
Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Changed on Oct 24, 2026.
Extra payments
Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Changed on Oct 24, 2026.
Features
Copilot Money lists AI features and data export. We haven't verified the features for Changed yet. We checked Copilot Money on Oct 24, 2026.
App store rating
Changed has 4.6 out of 5 on the App Store from 5,654 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.
What it costs
ChangedChanged lists plans from $6 a month on its website.
As of · gochanged.com
Copilot Money$13a month
Copilot Money costs $13 a month, or $95 a year billed yearly.
Cost over 1 and 3 years: $95 and $285, at the yearly list price before tax.
As of · copilot.money
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. Prices are list prices from each app's own page, before tax and any offer.
At a glance
Free trial
- Changed
- Not verified yet
- Copilot Money
- Length not listed
Source
- Changed: 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. copilot.money, as of Oct 24, 2026.
App Store rating
- Changed
- 4.65,654 ratings
- Copilot Money
- 4.830,705 ratings
Source
- Changed has 4.6 out of 5 on the App Store from 5,654 ratings. App Store listing, as of Oct 24, 2026.
- Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings. App Store listing, as of Oct 24, 2026.
Platforms
- Changed
- iOS
- Copilot Money
- iPhone
- iPad
- Mac
- Web
Source
- Changed lists iOS. App Store listing, as of Oct 24, 2026.
- Copilot Money lists iPhone, iPad, Mac and Web. copilot.money, as of Oct 24, 2026.
Bank syncing
- Changed
- Yes
- Copilot Money
- Not verified yet
Source
- Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups. gochanged.com/how-it-works, as of Oct 24, 2026.
- Copilot Money: Not verified yet.
Payoff methods
- Changed
- Debt Snowball
- Debt Avalanche
- Custom Plans
- Copilot Money
- Not verified yet
Source
- Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans. App Store listing, as of Oct 24, 2026.
- Copilot Money: Not verified yet.
Debt-free date
- Changed
- Yes
- Copilot Money
- Not verified yet
Source
- Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save. App Store listing, as of Oct 24, 2026.
- Copilot Money: Not verified yet.
Extra payments
- Changed
- Yes
- Copilot Money
- Not verified yet
Source
- Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases. gochanged.com/how-it-works, as of Oct 24, 2026.
- Copilot Money: Not verified yet.
Payment reminders
- Changed
- Not verified yet
- Copilot Money
- Not verified yet
Source
- Changed: Not verified yet.
- Copilot Money: Not verified yet.
Features
| Feature | Changed | Copilot Money |
|---|---|---|
| AI features | Not verified yet | Listed by the source |
| Shared budgets | Not verified yet | Shared login: you both sign in to the same account |
| Data export | Not verified yet | Listed by the source |
✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Shared login means you both sign in to the same account, with no separate partner login. Copilot Money: copilot.money, as of Oct 24, 2026; Data export: help.copilot.money/en/articles/5944414-exporting-your-transaction-data, as of Oct 24, 2026; Shared budgets: help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner, as of Oct 24, 2026.
Screen by screen
Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.
Home
Changed
No official screen found yet
Copilot Money
App Store marketing imageApp Store image with the headline "Private. Safe. Smart." showing the Copilot dashboard in dark mode.App Store listing, as of 
App Store marketing imageThe dashboard: $477 left of $4,120 budgeted with a line chart, a To Review list and round budget icons.App Store listing, as of
Accounts
Changed
No official screen found yet
Copilot Money
From Copilot Money's help centerA Connections needing attention card listing accounts with Reverify and Sign in buttons.help.copilot.money, as of
Transactions
Changed
No official screen found yet
Copilot Money
From Copilot Money's help centerThe Transactions tab with transactions grouped by day, each with a category tag and amount.help.copilot.money, as of 
From Copilot Money's help centerA transaction detail for Sweetgreen at $18.56 with its category and buttons for Split, Recurring, Tag and Goal.help.copilot.money, as of 
App Store marketing imageA To Review card listing two transactions with category tags and a Mark as Reviewed button.App Store listing, as of 
From Copilot Money's help centerA To Review card listing several transactions with category tags and a Mark as Reviewed button.help.copilot.money, as of
Budget
Changed
No official screen found yet
Copilot Money
App Store marketing imageApp Store image with the headline "Budgets that make sense for you." showing a September in review screen with a Budgets list.App Store listing, as of 
App Store marketing imageA September in review screen: $629 under total budget and categories like Rent, Car and Groceries with amounts over or under.App Store listing, as of 
From Copilot Money's help centerThe Categories tab with spent and budget totals, a ring chart and category rows with budget bars.help.copilot.money, as of 
App Store marketing imageA row of five round category icons with amounts under or over budget.App Store listing, as of 
App Store marketing imageCategory pills such as Rent, Car, Groceries, Restaurants, Clothing and Entertainment with small up or down amounts.App Store listing, as of
Categories
Changed
No official screen found yet
Copilot Money
App Store marketing imageApp Store image with the headline "Spending categorization, powered by AI." showing a transaction and a Subscriptions category screen.App Store listing, as of 
App Store marketing imageA Subscriptions category screen with a $270 budget for all months and a monthly bar chart.App Store listing, as of 
From Copilot Money's help centerA Rent category detail with a monthly bar chart, key metrics and the recurring payment tied to it.help.copilot.money, as of
Goals
Changed
No official screen found yet
Copilot Money
From Copilot Money's help centerThe savings goals list with Active goals like Rainy Day, College and Vacation and a Ready to spend section.help.copilot.money, as of
Reports and insights
Changed
No official screen found yet
Copilot Money
App Store marketing imageApp Store image with the headline "Cash flow tracking at your fingertips." showing the Cash flow tab with Net income and Spend charts.App Store listing, as of 
App Store marketing imageThe Cash flow tab: net income of $15,566.93 with a monthly bar chart and a Spend card below.App Store listing, as of
Bills and recurring
Changed
No official screen found yet
Copilot Money
App Store marketing imageApp Store image with the headline "Never lose track of subscriptions." showing the Recurrings tab.App Store listing, as of 
App Store marketing imageThe Recurrings tab: $40 left to pay and $2,718 paid so far, a grid of this month's bills and an In the Future list.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Light mode, when you need it." showing the Recurrings tab in light mode.App Store listing, as of 
App Store marketing imageThe Recurrings tab in light mode with the same bills grid and an In the Future list.App Store listing, as of 
From Copilot Money's help centerThe Recurrings tab from the help center with a grid of this month's bills and an In the Future section.help.copilot.money, as of 
App Store marketing imageA grid of recurring items such as Spotify, Rent, Car Payment, Water and Insurance with amounts and due days.App Store listing, as of 
From Copilot Money's help centerA Spotify recurring detail card with the amount range, frequency and next payment of $9.99.help.copilot.money, as of
Investments
Changed
No official screen found yet
Copilot Money
From Copilot Money's help centerA holding detail for Microsoft Corp with a price chart, metrics and positions.help.copilot.money, as of
Other screens
Changed
App Store marketing imageApp Store image 1 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 2 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 3 of 4 from the Changed listing.App Store listing, as of 
App Store marketing imageApp Store image 4 of 4 from the Changed listing.App Store listing, as of
Copilot Money
App Store marketing imageApp Store image with the headline "Your finances. At a glance." showing a Checking card and a Food & Drink card.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Human support along the way" showing an in-app help screen with Messages, Help and a search box.App Store listing, as of 
App Store marketing imageThe help screen: "How can we help?", Messages, Send us a message and a list of help articles.App Store listing, as of
Changed and Copilot Money, side by side
Rows marked “Differs” are where the official sources say different things, and 3 rows do here.
Swipe the table sideways to see both apps.
| Field | ChangedDebt payoff appChanged is a debt payoff app that rounds up your purchases and sends the spare change to your debts as extra payments.Visit Changed'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 | Changed lists plans from $6 a month on its website.As of Oct 24, 2026. Source: gochanged.com | 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 |
| PlatformsDiffers | Changed lists iOS.As of Oct 24, 2026. Source: App Store listing | Copilot Money lists iPhone, iPad, Mac and Web.As of Oct 24, 2026. Source: copilot.money |
| Bank syncing | Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.As of Oct 24, 2026. Source: gochanged.com/how-it-works | Not verified yet. |
| Payoff methods | Changed lists these payoff methods: Debt Snowball, Debt Avalanche and Custom Plans.As of Oct 24, 2026. Source: App Store listing | Not verified yet. |
| Debt-free date | Yes. Changed says its built-in debt calculator estimates your payoff timeline and how much interest you can save.As of Oct 24, 2026. Source: App Store listing | Not verified yet. |
| Extra payments | Yes. You can schedule extra payments or send one-off Boost payments, on top of the round-ups from your purchases.As of Oct 24, 2026. Source: gochanged.com/how-it-works | Not verified yet. |
| Payment reminders | Not verified yet. | Not verified yet. |
| Features | Not verified yet. |
|
| App store ratingDiffers | Changed has 4.6 out of 5 on the App Store from 5,654 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. How we source and date this data. Spotted a change? Tell us if something changed.
Weighing a third option? Add up to two more apps to this table and compare up to four side by side.
Who it's for
Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.
Just me
Budgeting on your own? These are the basics people ask about first.
Is it free?
Copilot Money
Copilot Money costs $13 a month, or $95 a year billed yearly.
As of . Source: copilot.money
Does it connect to my bank and import transactions?
Changed
Yes. Changed links your loans and the bank and spending accounts you want it to track for round-ups.
As of . Source: gochanged.com
Copilot Money
Not verified yet
Can I export my data?
Changed
Not verified yet
Copilot Money
Yes. You can export your data.
In their words: “Copilot allows you to export all of your transaction data as a spreadsheet on iOS, iPadOS, macOS and Web.”
As of . Source: help.copilot.money
Is there support from the app's makers if I need help?
Changed
Yes. Message form and help center.
In their words: “Didn't find the answers you're looking for? Need some additional help? We're here to answer the questions you have.”
As of . Source: gochanged.com
Copilot Money
Yes. In-app chat and email.
In their words: “Still have questions? Contact us in the app or at support@copilot.money.”
As of . Source: help.copilot.money
Partners
Sharing money with a partner? Here's how each app handles a second person.
Can my partner use their own login details?
Changed
Not verified yet
Copilot Money
No. Your partner signs in to your same account.
In their words: “On the next screen, have them enter the email address associated with your Copilot account.”
As of . Source: help.copilot.money
Can we keep shared and individual views?
Changed
Not verified yet
Copilot Money
Yes. You can keep shared and individual views.
In their words: “Custom Category Groups: You can create a group of categories for each individual to manage their own budget.”
As of . Source: help.copilot.money
Freelancer
Paid on an uneven schedule or running a side hustle? Here's what each app offers. See apps with a SEP IRA or Solo 401(k).
Can I mix business and personal expenses in this app?
Changed
Not verified yet
Copilot Money
Yes. You can track business spending next to personal spending.
In their words: “You can use Tags to track business spending instead of using separate categories.”
As of . Source: help.copilot.money
Business
Running a small business? Here's what each app says about business money.
Can I mix business and personal expenses in this app?
Changed
Not verified yet
Copilot Money
Yes. You can track business spending next to personal spending.
In their words: “You can use Tags to track business spending instead of using separate categories.”
As of . Source: help.copilot.money
Can I share my finances with my accountant?
Changed
Not verified yet
Copilot Money
Yes. You can export your data and send the file.
In their words: “Copilot allows you to export all of your transaction data as a spreadsheet on iOS, iPadOS, macOS and Web.”
As of . Source: help.copilot.money
“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.
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.
ScramblerChanged lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.
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 Changed 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 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 Changed cost?
Changed lists plans from $6 a month on its website. 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.
What is Changed's app store rating?
Changed has 4.6 out of 5 on the App Store from 5,654 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
Does Copilot Money have a 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 checked this on Oct 24, 2026.
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Keep comparing
- Read our Copilot Money review.
- See Changed alternatives, closest category first.
- See Copilot Money alternatives, closest category first.
- 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 confidence
- Last checked
- Not verified yet
- 3 of 15 facts
Changed7 of 9 verified, 2 not verified yet, last checked Oct 24, 2026
- Price and feesgochanged.com, as of Oct 24, 2026
- Free trialNot verified yet
- PlatformsApp Store listing, as of Oct 24, 2026
- Bank syncinggochanged.com/how-it-works, as of Oct 24, 2026
- Payoff methodsApp Store listing, as of Oct 24, 2026
- Debt-free dateApp Store listing, as of Oct 24, 2026
- Extra paymentsgochanged.com/how-it-works, as of Oct 24, 2026
- Payment remindersNot verified yet
- App store ratingApp Store listing, as of Oct 24, 2026
Copilot Money5 of 6 verified, 1 not verified yet, last checked Oct 24, 2026
- Price and feescopilot.money, as of Oct 24, 2026
- Free trialcopilot.money, as of Oct 24, 2026
- Platformscopilot.money, as of Oct 24, 2026
- Bank syncingNot verified yet
- Featurescopilot.money, as of Oct 24, 2026
- App store ratingApp Store listing, as of Oct 24, 2026
Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.
This is education, not financial advice.
