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Budgeting comparison

Copilot Money vs Fifecta

Updated

Data as of

Copilot Money checked Fifecta checked

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Copilot Money logo

Copilot Money

Budgeting app

Visit site for Copilot Money (opens in a new tab)
Official images, as of Oct 24, 2026
Copilot App Store image of the dashboard
Copilot App Store image of the budgets review
Copilot Transactions tab
Fifecta logo

Fifecta

Budgeting app

Visit site for Fifecta (opens in a new tab)
From Fifecta's website, as of Oct 25, 2026
Fifecta app home screen on a phone
Fifecta planner screen on a phone
Fifecta FUNDS buckets diagram

Short answer

  • Pick Copilot Money if you want the lower yearly price ($95, compared with $150), an app for iPad and Mac, or an app from the App Store.
  • Pick Fifecta if you want the option to use it without linking a bank or an app for Android.
  • The biggest difference is price: Copilot Money lists $95 a year, and Fifecta lists $150 a year.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Copilot Money vs Fifecta at a glance

  • Copilot Money logoCopilot Money

    Price
    $13a month
    Free trial
    Yeslength not listed
    Rating
    4.8 of 5App Store, 30,895 ratings
    Platforms
    4iPhone, iPad, Mac, Web
  • Fifecta logoFifecta

    Price
    $15a month
    Free trial
    7 days
    Rating
    Not ratedWeb app, not in app stores
    Platforms
    3Web, iPhone (home screen install), Android (home screen install)

What it costs

  • Copilot Money logoCopilot MoneyLower price

    $13a month

    Copilot Money costs $13 a month, or $95 a year billed yearly.

    $95 a year at the yearly list price, or $285 over 3 years, before tax.

    Sourcecopilot.money, checked .
  • Fifecta logoFifecta

    $15a month

    Fifecta costs $15 a month or $150 a year.

    $150 a year at the yearly list price, or $450 over 3 years, before tax.

    Sourcepricelesstay.com/fifecta, checked .

Bars compare each app's yearly list price. "Lower price" marks the lowest monthly price the sources list. It's a number, not our pick. Prices are list prices from each app's own page, before tax and any offer.

Features

Features each app's official source states, yes or no.
FeatureCopilot MoneyFifecta
AI features Yes Yes
Savings goals Yes Yes
Shared budgetsShared login: you both sign in to the same account Yes
Investment tracking Yes Yes
Data export Yes Yes

Fifecta also lists API or MCP access.

Sources for these features

Yes means the official site lists it. No means the official site says the app doesn't have it. Shared login means you both sign in to the same account, with no separate partner login.

Copilot Money and Fifecta, side by side

Copilot Money and Fifecta compared. Each value's source and the date we checked it open from its Source link.
Free trialDiffers
Copilot MoneyCopilot 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.
Sourcecopilot.money, checked .
FifectaFifecta is free for 7 days, and you can cancel anytime in the app.
Sourcepricelesstay.com/fifecta, checked .
PlatformsDiffers
Copilot MoneyCopilot Money lists iPhone, iPad, Mac and Web.
Sourcecopilot.money, checked .
FifectaFifecta lists Web, iPhone (home screen install) and Android (home screen install).
Sourcepricelesstay.com/fifecta, checked .
Bank syncingDiffers
Copilot MoneyYes. Copilot Money says it works with multiple data aggregators, starting with Plaid, so connected accounts update automatically. You can also add manual accounts.
Sourcehelp.copilot.money/en/articles/5593601-adding-and-managing-connected-accounts, checked .
FifectaOptional. Fifecta connects banks through Plaid with read-only access, and you can type your income and spending in by hand instead.
Sourcepricelesstay.com/fifecta, checked .
App store ratingDiffers
Copilot MoneyCopilot Money has 4.8 out of 5 on the App Store from 30,895 ratings.
SourceApp Store listing, checked .
FifectaWeb app, not in app stores.
Sourcepricelesstay.com/fifecta, checked .

Fifecta is our own app. Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Store ratings are a dated snapshot from each listing, not our score. A row shows only when both apps have a current official source for it. 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 and compare up to four side by side.

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

Copilot Money logoCopilot Money

  • Copilot App Store image of the dashboard
    App Store marketing imageApp Store image with the headline "Private. Safe. Smart." showing the Copilot dashboard in dark mode.App Store listing, as of
  • Copilot dashboard in dark mode
    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

Fifecta logoFifecta

  • Fifecta app home screen on a phone
    From Fifecta's websiteThe Fifecta app Home screen on a phone: "Good evening, Jordan," $1,223.72 left in October ($4,800.00 came in, $3,576.28 spent), a Today card with 9 transactions to sort, and a 2-minute money check with Home, Planner and Wealth tabs at the bottom.fifecta.pricelesstay.com, as of
  • Fifecta month view with money left and bucket bars
    From Fifecta's websiteA Fifecta month card for October, Day 10 of 31: $1,845.67 left after spending this month, with Fixed, Unexpected, Needs, Desires and Stash progress bars, Desires marked Over plan, a Scrambler Money Type note and an All 9 charges sorted chip.pricelesstay.com, as of
  • Fifecta money left this month and transactions to sort
    From Fifecta's website$1,223.72 left in October, with $4,800.00 came in and $3,576.28 spent, and a Today button for 9 transactions to sort.fifecta.pricelesstay.com, as of
  • Fifecta money left this month
    From Fifecta's websiteOctober, Day 10 of 31: $1,845.67 left after spending this month.pricelesstay.com, as of

Accounts

Copilot Money logoCopilot Money

  • Copilot connections needing attention
    From Copilot Money's help centerA Connections needing attention card listing accounts with Reverify and Sign in buttons.help.copilot.money, as of

Fifecta logoFifecta

No official screen found yet

Transactions

Copilot Money logoCopilot Money

  • Copilot Transactions tab
    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
  • Copilot transaction detail
    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
  • Copilot To Review card
    App Store marketing imageA To Review card listing two transactions with category tags and a Mark as Reviewed button.App Store listing, as of
  • Copilot To Review card
    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

Fifecta logoFifecta

  • Fifecta assign transactions, all sorted
    From Fifecta's websiteAssign transactions with an All sorted chip, a green check mark and "Every charge has a bucket."pricelesstay.com, as of

Budget

Copilot Money logoCopilot Money

  • Copilot App Store image of the budgets review
    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
  • Copilot budget review screen
    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
  • Copilot Categories tab
    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
  • Copilot budget rings
    App Store marketing imageA row of five round category icons with amounts under or over budget.App Store listing, as of
  • Copilot budget category list
    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

Fifecta logoFifecta

  • Fifecta planner screen on a phone
    From Fifecta's websiteThe Fifecta Planner on a phone: October, Day 14 of 31, $1,223.72 left after spending this month, Month, Paycheck and Week views, 9 transactions to sort, and income lines for Salary, Commission and Side consulting.fifecta.pricelesstay.com, as of
  • Fifecta paycheck split across FUNDS buckets
    From Fifecta's websiteA paycheck plan: Paycheck $693.76 left to plan, with Fixed $831.24, Unexpected $150.00, Needs $385.00, Desires $140.00 and Stash $200.00.pricelesstay.com, as of
  • Fifecta month, paycheck and week switch
    From Fifecta's websiteDay 14 of 31: $1,223.72 left after spending this month ($4,800.00 came in, $3,576.28 spent, $2,322.48 bills), with a Month, Paycheck and Week switch.fifecta.pricelesstay.com, as of
  • Fifecta income list with a variable line
    From Fifecta's websiteIncome: Salary $4,200.00 on track, Commission marked Variable, Side consulting $600.00 on track, and Add income.fifecta.pricelesstay.com, as of
  • Fifecta FUNDS bucket progress bars
    From Fifecta's websiteBucket bars: Fixed $1,607.48 of $1,662.48, Unexpected $0.00 of $300.00, Needs $554.18 of $770.00, Desires $392.67 of $280.00 marked Over plan, and Stash $400.00 of $400.00.pricelesstay.com, as of
  • Fifecta paycheck left to plan
    From Fifecta's websiteA green Paycheck bar reading $693.76 left to plan.pricelesstay.com, as of

Categories

Copilot Money logoCopilot Money

  • Copilot App Store image of a category screen
    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
  • Copilot Subscriptions category screen
    App Store marketing imageA Subscriptions category screen with a $270 budget for all months and a monthly bar chart.App Store listing, as of
  • Copilot Rent category detail
    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

Fifecta logoFifecta

  • Fifecta FUNDS buckets diagram
    From Fifecta's websiteA diagram of a Paycheck, take-home pay, branching into Fixed (rent, bills, insurance), Unexpected (your emergency fund), Needs (groceries, gas, copays), Desires (guilt-free fun money) and Stash (investing and goals).pricelesstay.com, as of
  • Fifecta purchases with and without FUNDS
    From Fifecta's websiteA Without a plan and With FUNDS slider: on one side loose labels like Rent, Coffee and Car repair under "Four days after payday: where did it go?", on the other every purchase in a bucket, such as Coffee and Concert tickets under Desires.pricelesstay.com, as of
  • Fifecta purchases sorted into buckets
    From Fifecta's websiteWith FUNDS: "Every purchase has a bucket" with Fixed (rent, phone bill), Unexpected (car repair), Needs (groceries), Desires (coffee, concert tickets) and Stash (savings).pricelesstay.com, as of

Goals

Copilot Money logoCopilot Money

  • Copilot savings goals list
    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

Fifecta logoFifecta

No official screen found yet

Reports and insights

Copilot Money logoCopilot Money

  • Copilot App Store image of the Cash flow tab
    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
  • Copilot Cash flow tab
    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

Fifecta logoFifecta

  • Fifecta 2-minute weekly money check
    From Fifecta's websiteYour 2-minute money check, 2 to look at: "Desires is $112.67 over," "Give $192.52 a job" and a checked "Goal money is in savings," with a Done for this week button.fifecta.pricelesstay.com, as of
  • Fifecta Scrambler Money Type note
    From Fifecta's websiteA Your Money Type note for Scrambler: "First fix: Bills First. On payday, pay the bills, or set aside the money for them, before anything else."pricelesstay.com, as of

Bills and recurring

Copilot Money logoCopilot Money

  • Copilot App Store image of the Recurrings tab
    App Store marketing imageApp Store image with the headline "Never lose track of subscriptions." showing the Recurrings tab.App Store listing, as of
  • Copilot Recurrings tab
    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
  • Copilot App Store image of light mode
    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
  • Copilot Recurrings tab in light mode
    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
  • Copilot Recurrings tab
    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
  • Copilot recurring bills grid
    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
  • Copilot recurring detail for Spotify
    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

Fifecta logoFifecta

  • Fifecta money calendar on a phone
    From Fifecta's websiteThe Fifecta Calendar for October 2026 on a phone: $4,800.00 coming in, $1,662.48 in bills with a due day, a note that checking stays above zero this month, and a month grid with money in and out on each day.fifecta.pricelesstay.com, as of
  • Fifecta calendar income, bills and low point
    From Fifecta's websiteComing in $4,800.00, bills with a due day $1,662.48 plus $660.00 with no day yet, and "Checking stays above zero this month. Lowest point: about $6,185.00 on Oct 25."fifecta.pricelesstay.com, as of
  • Fifecta calendar grid of money in and out
    From Fifecta's websiteA month grid with money in shown in green and money out in red on each day, and a key: past days show what you spent, coming days are estimates from your plan, and shaded days are when checking could run short.fifecta.pricelesstay.com, as of

Investments

Copilot Money logoCopilot Money

  • Copilot holding detail for Microsoft
    From Copilot Money's help centerA holding detail for Microsoft Corp with a price chart, metrics and positions.help.copilot.money, as of

Fifecta logoFifecta

No official screen found yet

Getting started

Copilot Money logoCopilot Money

No official screen found yet

Fifecta logoFifecta

  • Fifecta Money Type picker
    From Fifecta's websiteA Money Type picker with Spender, Saver, Scrambler and Strategist, Scrambler selected, and its first fix: "Bills First. Pay the bills on payday, before anything else."pricelesstay.com, as of

Other screens

Copilot Money logoCopilot Money

  • Copilot App Store image with summary cards
    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
  • Copilot App Store image of the in-app help screen
    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
  • Copilot in-app help screen
    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

Fifecta logoFifecta

No official screen found yet

Who it's for

Pick the tab that sounds like you. Every answer comes from the app's own pages, and its source opens from the Source link.

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.

    Sourcecopilot.money, checked .

    Fifecta: Fifecta costs $15 a month or $150 a year.

    Sourcepricelesstay.com/fifecta, checked .
  • Does it connect to my bank and import transactions?

    Copilot Money: Yes. Copilot Money says it works with multiple data aggregators, starting with Plaid, so connected accounts update automatically. You can also add manual accounts.

    Sourcehelp.copilot.money/en/articles/5593601-adding-and-managing-connected-accounts, checked .

    Fifecta: Optional. Fifecta connects banks through Plaid with read-only access, and you can type your income and spending in by hand instead.

    Sourcepricelesstay.com/fifecta, checked .
  • Can I export my data?

    Copilot Money: Yes. You can export your data.

    SourceIn their words: “Copilot allows you to export all of your transaction data as a spreadsheet on iOS, iPadOS, macOS and Web.” help.copilot.money/en/articles/5944414-exporting-your-transaction-data, checked .

    Fifecta: Yes. You can export your data.

    SourceIn their words: “Export a copy in Settings, then Your data, before then.” pricelesstay.com/fifecta, checked .
  • Is there support from the app's makers if I need help?

    Copilot Money: Yes. In-app chat and email.

    SourceIn their words: “Still have questions? Contact us in the app or at support@copilot.money.” help.copilot.money/en, checked .

    Fifecta: Yes. Contact form.

    SourceIn their words: “Questions about these terms? Use our contact form.” pricelesstay.com/fifecta-terms, checked .

Partners

Sharing money with a partner? Here's how each app handles a second person.

  • Can my partner use their own login details?

    Copilot Money: No. Your partner signs in to your same account.

    SourceIn their words: “On the next screen, have them enter the email address associated with your Copilot account.” help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner, checked .

    Fifecta: Joint accounts, yes. The source doesn't say your partner gets a separate login.

    SourceIn their words: “You can invite a partner to share your budget. They will be able to see and edit your plan, transactions, and goals, and see the rest of your money in Fifecta.” pricelesstay.com/fifecta-terms, checked .
  • Can we keep shared and individual views?

    Copilot Money: Yes. You can keep shared and individual views.

    SourceIn their words: “Custom Category Groups: You can create a group of categories for each individual to manage their own budget.” help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner, checked .

    Fifecta: Yes. You can keep shared and individual views.

    SourceIn their words: “Any account, card, loan or investment you mark Only me stays hidden from your partner, along with its transactions and balances.” pricelesstay.com/fifecta, checked .

Family

Bringing in more of the household? Here's what each app says about families and kids. See apps with custodial accounts for kids.

  • Does it have accounts or features for kids or teens?

    Copilot Money: No.

    SourceIn their words: “THE SERVICE IS NOT FOR PERSONS UNDER THE AGE OF 18” copilot.money/terms-of-service, checked .

    Fifecta: No.

    SourceIn their words: “You must be at least 18 and able to agree to these terms.” pricelesstay.com/fifecta-terms, checked .

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?

    Copilot Money: Yes. You can track business spending next to personal spending.

    SourceIn their words: “You can use Tags to track business spending instead of using separate categories.” help.copilot.money/en/articles/10760959-separating-business-and-personal-spending, checked .

    Fifecta: Yes. You can track business spending next to personal spending.

    SourceIn their words: “Mark each bank account or card as household, business, or both, and business charges stay out of your household plan.” pricelesstay.com/fifecta, checked .

Business

Running a small business? Here's what each app says about business money.

  • Can I mix business and personal expenses in this app?

    Copilot Money: Yes. You can track business spending next to personal spending.

    SourceIn their words: “You can use Tags to track business spending instead of using separate categories.” help.copilot.money/en/articles/10760959-separating-business-and-personal-spending, checked .

    Fifecta: Yes. You can track business spending next to personal spending.

    SourceIn their words: “Mark each bank account or card as household, business, or both, and business charges stay out of your household plan.” pricelesstay.com/fifecta, checked .
  • Can I share my finances with my accountant?

    Copilot Money: Yes. You can export your data and send the file.

    SourceIn their words: “Copilot allows you to export all of your transaction data as a spreadsheet on iOS, iPadOS, macOS and Web.” help.copilot.money/en/articles/5944414-exporting-your-transaction-data, checked .

    Fifecta: Yes. You can export your data and send the file.

    SourceIn their words: “Export a copy in Settings, then Your data, before then.” pricelesstay.com/fifecta, checked .

A question shows only when every app here has a current official source that answers it. 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.

  • Strategist

    Both Copilot Money and Fifecta list investment tracking. That fits a Strategist, who wants to watch the whole plan grow.

    First fix: Save the Raise.

  • Spender

    Both Copilot Money and Fifecta list goals. A goal gives a Spender a reason to pause before buying, which is the Sleep on It fix.

    First fix: Sleep on It.

  • Saver

    Neither 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.

  • Scrambler

    Both Copilot Money and Fifecta list 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.

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.”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Critical

“App was great until Schwab stopped connecting. Reverification fails. ... Support is completely unhelpful.”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Mixed

“Copilot is great if you just wanna open it and get a “this minute” picture of your money but it could be better.”
u/cailian13 in r/portfolios on Reddit, . Read it on Reddit.
Where these come from

FAQ

How much does Copilot Money cost?

Copilot Money costs $13 a month, or $95 a year billed yearly. We checked this on Nov 3, 2026.

How much does Fifecta cost?

Fifecta costs $15 a month or $150 a year. We checked this on Nov 3, 2026.

Which is cheaper, Copilot Money or Fifecta?

The lowest monthly price Copilot Money lists is $13 a month, and the lowest Fifecta lists is $15 a month, so Copilot Money lists the lower monthly price. We checked both on Nov 3, 2026, and plans change, so check both pricing pages before you decide.

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 Nov 3, 2026.

More comparisons

Keep comparing

Pinterest pin for Copilot Money vs Fifecta, a side-by-side app comparison from Priceless Tay.

Save this comparison

Pin it so you can find it again when you're ready to choose.

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
Sourced facts
12 facts, each linked and dated
Copilot Money6 sourced facts, last checked Nov 3, 2026
FifectaOur app6 sourced facts, last checked Nov 3, 2026

Fifecta is our own app. Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Each fact links to the official page it came from, with the date we checked it. Once a fact is older than 30 days, it comes off the page until we check it again. How we source, date and index this data.

This is education, not financial advice.