Budgeting comparison
Copilot Money vs Rocket Money
Updated
Data as of
Copilot Money checked Rocket Money checked
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Copilot Money
Budgeting app
Visit site for Copilot Money (opens in a new tab)
Rocket Money
Budgeting app
Visit site for Rocket Money (opens in a new tab)
Short answer
- Pick Copilot Money if you want shared and individual views, an app for Mac, or the higher App Store rating (4.8, compared with 4.5).
- Pick Rocket Money if you want a free version, a separate login for your partner, or an app for Android.
- The biggest difference is price: Rocket Money 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 Rocket Money at a glance
- Copilot Money
- Free trial
- Yeslength not listed
- Rating
- 4.8 of 5App Store, 30,895 ratings
- Platforms
- 4iPhone, iPad, Mac, Web
- Rocket Money
- Free trial
- 7 days
- Rating
- 4.5 of 5App Store, 404,690 ratings
- Platforms
- 3iOS, Android, Web
What it costs
- Copilot 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.
Source
copilot.money, checked . - Rocket Money
Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.
Bars show only when every app here lists a yearly price, so these prices sit side by side without them. "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 | Rocket Money |
|---|---|---|
| AI features | Yes | Yes |
| Savings goals | Yes | Yes |
| Shared budgets | Shared login: you both sign in to the same account | Yes |
| Investment tracking | Yes | Yes |
| Data export | Yes | Yes |
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.
- Rocket Money: rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, checked Nov 3, 2026.Investment tracking: Premium. The Net Worth tab tracks brokerage, retirement, 529 and crypto accounts as assets. help.rocketmoney.com/en/articles/9184603-what-is-included-in-my-assets, checked Nov 3, 2026.
Copilot Money and Rocket Money, side by side
| Detail | Copilot Money | Rocket Money |
|---|---|---|
| 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 . | Rocket MoneyRocket Money says new Premium members get a 7-day free trial, then the monthly subscription continues at the price chosen at signup. |
| PlatformsDiffers | Copilot MoneyCopilot Money lists iPhone, iPad, Mac and Web. Sourcecopilot.money, checked . | Rocket MoneyRocket Money lists iOS, Android and Web. |
| 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. | Rocket MoneyYes. Rocket Money says it connects to your accounts through Plaid. |
| App store ratingDiffers | Copilot MoneyCopilot Money has 4.8 out of 5 on the App Store from 30,895 ratings. SourceApp Store listing, checked . | Rocket MoneyRocket Money has 4.5 out of 5 on the App Store from 404,690 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
Rocket Money
From Rocket Money's help centerThe Dashboard with current spend this month, a Payday in 8 days row and account balances.help.rocketmoney.com, as of
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
Rocket Money
App Store marketing imageApp Store image with the headline "Track and see your net worth" showing the Net worth tab.App Store listing, as of 
App Store marketing imageThe Net worth tab: $69,556 with a line chart and a Summary of Assets, Debt and Net Worth.App Store listing, as of 
App Store marketing imageA Net Worth card with $69,556, a line chart and time range buttons from 1M to All.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
Rocket Money
From Rocket Money's help centerThe Transactions tab with a search box and a list of transactions with icons and amounts.help.rocketmoney.com, as of 
From Rocket Money's help centerA transaction detail for Fish Taco with options to rename, mark recurring, ignore, add tags, add a note, create a rule or split.help.rocketmoney.com, as of 
From Rocket Money's help centerA Split transaction screen dividing $49.90 by equal amounts into two parts.help.rocketmoney.com, 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
Rocket Money
App Store marketing imageApp Store image with the headline "Create monthly budgets that work for you" showing the Budget screen for September 2025.App Store listing, as of 
App Store marketing imageThe Budget screen: $623 left to spend, Bills & Utilities and Earnings cards, and Category Budgets.App Store listing, as of 
App Store marketing imageA Spending card reading $623 left to spend with a progress bar and a $48/day for 13d note.App Store 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
Rocket Money
From Rocket Money's help centerA New Category form with name, color, icon and category group fields and a Save Category button.help.rocketmoney.com, as of
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
Rocket Money
From Rocket Money's help centerA goal setup screen listing Emergency Savings, Pay Off Credit Card Debt and other goals to choose from.help.rocketmoney.com, as of 
From Rocket Money's help centerThe Goals screen with a deposit streak, Vacation Savings and Emergency Savings progress and milestone badges.help.rocketmoney.com, 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
Rocket Money
App Store marketing imageApp Store image with the headline "Keep track of your monthly expenses" showing the Spending tab.App Store listing, as of 
App Store marketing imageThe Spending tab with Week, Month, Quarter and Year buttons, monthly bars, and Income, Total Spend and Net Income rows.App Store listing, as of 
App Store marketing imageThree rows: Income $4,800, Total Spend $4,426 and Net Income $374.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
Rocket Money
App Store marketing imageApp Store image with the headline "See exactly where your money is going" showing the Recurring tab with a Coming up calendar.App Store listing, as of 
App Store marketing imageThe Recurring tab: a Coming up card with a week calendar, then Coming Up and Coming Later charges.App Store listing, as of 
App Store marketing imageApp Store image with the headline "Cancel unused subscriptions with just a few taps" showing a "See what we can cancel for you" screen.App Store listing, as of 
App Store marketing imageA screen reading "See what we can cancel for you" with a Start a cancellation button.App Store listing, as of 
App Store marketing imageApp Store image with the headline "We negotiate to help you lower bills" showing a Lower your bills screen.App Store listing, as of 
App Store marketing imageA Lower your bills screen with bills from DirecTV, AT&T and Spectrum, each with a "Lower for me" button.App Store listing, as of 
From Rocket Money's help centerThe Recurring tab on All, listing subscriptions and bills with amounts and how often they charge.help.rocketmoney.com, as of 
From Rocket Money's help centerA Cancel Netflix form asking for name, email, phone, billing address and the last 4 digits of the card.help.rocketmoney.com, as of 
App Store marketing imageA Coming up card that says 4 recurring charges are due in the next 7 days, above a two-week calendar.App Store listing, as of
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
Rocket Money
No official screen found yet
Sharing with a partner
Copilot Money
No official screen found yet
Rocket Money
From Rocket Money's help centerA "Share your finances?" screen with Full Name and Email Address fields and a Share my Account button.help.rocketmoney.com, as of 
From Rocket Money's help centerA "Shared!" confirmation saying the account was shared and the partner will get an email.help.rocketmoney.com, as of
AI assistant
Copilot Money
No official screen found yet
Rocket Money
App Store marketing imageApp Store image with the headline about an AI-powered assistant showing a text chat with Rowan by Rocket Money.App Store listing, as of 
App Store marketing imageA text conversation where Rowan comments on Dining & Drinks and Grocery spending and the user replies.App Store listing, as of
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
Rocket Money
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.
Source
copilot.money, checked .Rocket Money: Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month.
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.
Rocket Money: Yes. Rocket Money says it connects to your accounts through Plaid.
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 .Rocket Money: Yes. You can export your data.
Source
In their words: “You can also add notes to any transaction (helpful for remembering context months later), create manual transactions for cash purchases or accounts you prefer not to link, and export filtered transaction lists to CSV files for further analysis or tax preparation.” rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, 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 .Rocket Money: Yes. In-app chat and email.
Source
In their words: “However, as we are an app-based service, all our support is currently provided digitally.” help.rocketmoney.com/en/articles/2684134-contacting-rocket-money, 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 .Rocket Money: Yes. Your partner gets their own login.
Source
In their words: “Each partner receives their own unique login credentials and can set their own multi-factor authentication (MFA) preferences for added security.” help.rocketmoney.com/en/articles/4562634-account-sharing, checked .Can we keep shared and individual views?
Copilot Money: Yes. You can keep shared and individual views.
Source
In 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 .Rocket Money: No. You both see the same shared view.
Source
In their words: “Collaborate on finances by sharing your account with trusted family members or financial advisors - they'll see everything you see, making financial planning a team effort.” help.rocketmoney.com/en/articles/2677184-premium-membership-features, 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 .Rocket Money: No.
Source
In their words: “You may not use the Services, and you may not accept this Agreement, if you’re not at least 18 years of age” rocketmoney.com/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.
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 .Rocket Money: Yes. You can track business spending next to personal spending.
Source
In their words: “Create as many customized budget categories from your linked accounts as you need for different aspects of your life - whether that be from your personal expenses, family finances, or business costs.” help.rocketmoney.com/en/articles/2677184-premium-membership-features, 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 .Rocket Money: Yes. You can track business spending next to personal spending.
Source
In their words: “Create as many customized budget categories from your linked accounts as you need for different aspects of your life - whether that be from your personal expenses, family finances, or business costs.” help.rocketmoney.com/en/articles/2677184-premium-membership-features, 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 .Rocket Money: Yes. You can export your data and send the file.
Source
In their words: “You can also add notes to any transaction (helpful for remembering context months later), create manual transactions for cash purchases or accounts you prefer not to link, and export filtered transaction lists to CSV files for further analysis or tax preparation.” rocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, 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.
StrategistBoth Copilot Money and Rocket Money list investment tracking. That fits a Strategist, who wants to watch the whole plan grow.
First fix: Save the Raise.
SpenderBoth Copilot Money and Rocket Money 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 Rocket Money 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 Rocket 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 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 Rocket Money cost?
Rocket Money has a free version. Premium uses a pay what you think is fair price that Rocket Money says typically ranges from $7 to $14 a month, and Premium+ costs $15 a month. 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 Rocket Money have a free trial?
Rocket Money says new Premium members get a 7-day free trial, then the monthly subscription continues at the price chosen at signup. 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 Rocket Money 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
Rocket Money6 sourced facts, last checked Nov 3, 2026
- Price and feesrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Nov 3, 2026
- Free trialhelp.rocketmoney.com/en/articles/2217739-how-much-does-rocket-money-cost, as of Nov 3, 2026
- Platformsrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Nov 3, 2026
- Bank syncingrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, as of Nov 3, 2026
- Featuresrocketmoney.com/learn/personal-finance/how-much-does-rocket-money-cost, 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.
