Budgeting comparison
Copilot Money vs Goodbudget
Updated
Data as of
Copilot Money checked Goodbudget checked
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Copilot Money
Budgeting app
Visit site for Copilot Money (opens in a new tab)
Goodbudget
Budgeting app
Visit site for Goodbudget (opens in a new tab)
Short answer
- Pick Copilot Money if you want business spending tracked next to personal spending, an app for iPad and Mac, or the higher App Store rating (4.8, compared with 4.6).
- Pick Goodbudget if you want a free version or an app for Android.
- The biggest difference is price: Goodbudget has a free version, and Copilot Money lists $13 a month.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Copilot Money vs Goodbudget at a glance
- Copilot Money
- Price
- $13a month
- Free trial
- Yeslength not listed
- Rating
- 4.8 of 5App Store, 30,895 ratings
- Platforms
- 4iPhone, iPad, Mac, Web
- Goodbudget
- Price
- $10a month, or a free version
- Free trial
- None
- Rating
- 4.6 of 5App Store, 13,528 ratings
- Platforms
- 3Web, Android, iPhone
What it costs
- Copilot Money
$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.
Source
copilot.money, checked . - GoodbudgetLower price
$10a month
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
$80 a year at the yearly list price, or $240 over 3 years, before tax.
Source
goodbudget.com/signup, 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
| Feature | Copilot Money | Goodbudget |
|---|---|---|
| Savings goals | Yes | Yes |
| Shared budgets | Shared login: you both sign in to the same account | Yes |
| Data export | Yes | Yes |
Copilot Money also lists AI features and investment tracking.
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: copilot.money, checked Nov 3, 2026.Savings goals: Savings goals with a target amount, tracked by target date or monthly contribution. help.copilot.money/en/articles/11100462-creating-new-goals, checked Nov 3, 2026.Shared budgets: Shared login only: your partner signs in to your same account. There is no separate partner login. help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner, checked Nov 3, 2026.Data export: Transaction export as a spreadsheet on iOS, iPadOS, macOS and web. help.copilot.money/en/articles/5944414-exporting-your-transaction-data, checked Nov 3, 2026.
- Goodbudget: goodbudget.com/what-you-get, checked Nov 3, 2026.Savings goals: Goal Envelopes take a budget amount and a due date, and Annual Envelopes save for yearly costs. 'With the Free version of Goodbudget, you'll be able to track up to 10 More Envelopes for savings or goals.' Premium is unlimited. goodbudget.com/help/customize-your-goodbudget/goals-and-annuals, checked Nov 3, 2026.Data export: Export CSV from the Transactions list. goodbudget.com/help/customize-your-goodbudget/export-transactions, checked Nov 3, 2026.
Copilot Money and Goodbudget, side by side
| Detail | Copilot Money | Goodbudget |
|---|---|---|
| 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 . | GoodbudgetGoodbudget says it isn't offering trials of Premium. There is a Free Forever plan, and you can ask for a refund within the first 30 days of a subscription. Sourceforums.goodbudget.com/t/premium-level/2994, checked . |
| PlatformsDiffers | Copilot MoneyCopilot Money lists iPhone, iPad, Mac and Web. Sourcecopilot.money, checked . | GoodbudgetGoodbudget lists Web, Android and iPhone. Sourcegoodbudget.com/signup, 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. | GoodbudgetPremium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it. Sourcegoodbudget.com/signup, 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 . | GoodbudgetGoodbudget has 4.6 out of 5 on the App Store from 13,528 ratings. SourceApp Store listing, checked . |
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
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
Goodbudget
No official screen found yet
Accounts
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
Goodbudget
App Store marketing imageApp Store image with the headline "Connect your bank (with a Premium subscription)" showing a Select Account screen.App Store listing, as of 
App Store marketing imageA Select Account screen for linking a bank account to Checking, with an Add New Bank Connection link.App Store listing, as of
Transactions
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
Goodbudget
App Store marketing imageApp Store image with the headline "Practice conscious spending" showing an Add Transaction form.App Store listing, as of 
App Store marketing imageAn Add Transaction form with Type, Payee, Amount, Envelope, Account, Date and Schedule fields.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Practice conscious spending" showing the Android Add Transaction form.Google Play listing, as of
Budget
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
Goodbudget
App Store marketing imageApp Store image with the headline "Sync & share a budget" showing the Envelopes screen with Food, Fun and Bills envelopes and progress bars.App Store listing, as of 
App Store marketing imageThe Envelopes screen with envelope groups, amounts left and bars, and a bottom tab bar.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Create a budget that works" showing an Edit Budget screen.App Store listing, as of 
App Store marketing imageAn Edit Budget screen listing envelopes with amounts, an Add Envelope link and Total Budgeted 1508.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Choose your style" showing the Envelopes screen in dark mode.App Store listing, as of 
Google Play marketing imageGoogle Play image with the headline "Sync & share a budget" showing the Android Envelopes screen.Google Play listing, as of 
Google Play marketing imageGoogle Play image with the headline "Plan before you spend" showing the Android Fill Envelopes screen.Google Play listing, as of
Categories
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
Goodbudget
No official screen found yet
Goals
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
Goodbudget
App Store marketing imageApp Store image with the headline "Track your debt progress" showing a Debt Progress chart for a car loan.App Store listing, as of 
App Store marketing imageA Debt Progress report with a payoff line to 2026 and a table showing the car loan balance and finish date.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Save for big expenses" showing a Vacation envelope with its history.App Store listing, as of 
App Store marketing imageA Vacation envelope with 2,000.00 saved and a dated list of fills and income.App Store listing, as of
Reports and insights
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
Goodbudget
App Store marketing imageApp Store image with the headline "See your spending" showing a Spending report pie chart for May 2024.App Store listing, as of 
App Store marketing imageA Spending report with a pie chart, total spending of 628.57 and a table of envelopes by share.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Stay on budget" showing an Income vs Spending report with monthly bars.App Store listing, as of 
App Store marketing imageAn Income vs Spending report with paired monthly bars and a table of income, spending and net.App Store listing, as of
Bills and recurring
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
Goodbudget
No official screen found yet
Investments
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
Goodbudget
No official screen found yet
Other screens
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
Goodbudget
App Store marketing imageThe bottom tab bar with Envelopes, Transactions, Accounts, Reports and More.App Store listing, as of
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.
Source
copilot.money, checked .Goodbudget: Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year.
Source
goodbudget.com/signup, 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.
Goodbudget: Premium only. Goodbudget Premium includes automatic bank sync for US banks only, and the free version does not list it.
Source
goodbudget.com/signup, checked .Can I export my data?
Copilot Money: Yes. You can export your data.
Source
In 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 .Goodbudget: Yes. You can export your data.
Source
In their words: “To export your transaction history in Goodbudget, click on the "Export CSV" link that's above the Transactions list.” goodbudget.com/help/customize-your-goodbudget/export-transactions, checked .Is there support from the app's makers if I need help?
Copilot Money: Yes. In-app chat and email.
Source
In their words: “Still have questions? Contact us in the app or at support@copilot.money.” help.copilot.money/en, checked .Goodbudget: Yes. Community (Free) and email (Premium).
Source
In their words: “Email support” goodbudget.com/signup, 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.
Source
In 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 .Goodbudget: No. Your partner signs in to your same account.
Source
In their words: “If you've already done that, you'll be able to share your budget with your partner by having them login to Goodbudget on their device using the same username / email address and password you created when you registered.” goodbudget.com/help/mobile-apps/share-budget-w-partner, 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.
Source
In their words: “THE SERVICE IS NOT FOR PERSONS UNDER THE AGE OF 18” copilot.money/terms-of-service, checked .Goodbudget: No.
Source
In their words: “The Services are intended solely for users who are eighteen (18) years of age or older.” goodbudget.com/terms-of-use, 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.
Source
In 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 .Goodbudget: No.
Source
In their words: “Organizations, companies, and/or businesses may not use the Services for any purpose other than those contemplated in this Terms of Use or Privacy Policy.” goodbudget.com/terms-of-use, 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.
Source
In 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 .Goodbudget: No.
Source
In their words: “Organizations, companies, and/or businesses may not use the Services for any purpose other than those contemplated in this Terms of Use or Privacy Policy.” goodbudget.com/terms-of-use, checked .Can I share my finances with my accountant?
Copilot Money: Yes. You can export your data and send the file.
Source
In 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 .Goodbudget: Yes. You can export your data and send the file.
Source
In their words: “To export your transaction history in Goodbudget, click on the "Export CSV" link that's above the Transactions list.” goodbudget.com/help/customize-your-goodbudget/export-transactions, 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.
StrategistCopilot Money lists investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderBoth Copilot Money and Goodbudget 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.
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.
ScramblerBoth Copilot Money and Goodbudget 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.
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 Copilot Money nor Goodbudget 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 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 Goodbudget cost?
Goodbudget has a free version. Goodbudget Premium costs $10 a month or $80 a year. We checked this on Nov 3, 2026.
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.
Does Goodbudget have a free trial?
Goodbudget says it isn't offering trials of Premium. There is a Free Forever plan, and you can ask for a refund within the first 30 days of a subscription. We checked this on Nov 3, 2026.
More comparisons
Similar comparisons
Keep comparing
- Read our Copilot Money review.
- See Copilot Money alternatives, closest category first.
- See Goodbudget alternatives, closest category first.
- Browse our guide to the best budgeting apps.
- 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
- Sourced facts
- 12 facts, each linked and dated
Copilot Money6 sourced facts, last checked Nov 3, 2026
- Price and feescopilot.money, as of Nov 3, 2026
- Free trialcopilot.money, as of Nov 3, 2026
- Platformscopilot.money, as of Nov 3, 2026
- Bank syncinghelp.copilot.money/en/articles/5593601-adding-and-managing-connected-accounts, as of Nov 3, 2026
- Featurescopilot.money, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
Goodbudget6 sourced facts, last checked Nov 3, 2026
- Price and feesgoodbudget.com/signup, as of Nov 3, 2026
- Free trialforums.goodbudget.com/t/premium-level/2994, as of Nov 3, 2026
- Platformsgoodbudget.com/signup, as of Nov 3, 2026
- Bank syncinggoodbudget.com/signup, as of Nov 3, 2026
- Featuresgoodbudget.com/what-you-get, as of Nov 3, 2026
- App store ratingApp Store listing, as of Nov 3, 2026
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.
