Budgeting comparison
Copilot Money vs SoFi
Updated
Copilot MoneyBudgeting app
SoFiSavings accountPriceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Short answer
Copilot Money is a budgeting app and SoFi is a savings account. Copilot Money costs $13 a month, or $95 a year billed yearly. We checked Copilot Money on Oct 24, 2026, but we haven't verified the price for SoFi yet, and the official sources differ on one of the 9 rows in the table below.
Copilot Money vs SoFi at a glance
Copilot Money is a budgeting app and SoFi is a savings account. 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 one of the 9 rows in the table below.
Price and fees
Copilot Money costs $13 a month, or $95 a year billed yearly. We haven't verified this for SoFi yet, so check the official site for SoFi before you decide. We checked Copilot Money 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 SoFi yet, so check the official site for SoFi before you decide. We checked Copilot Money on Oct 24, 2026.
APY or rate
SoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. SoFi says the rate is variable. You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked SoFi on Oct 24, 2026.
Opening and balance minimums
SoFi says there is no minimum balance requirement. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked SoFi on Oct 24, 2026.
Protection
SoFi Bank, N.A. is a Member FDIC. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked SoFi on Oct 24, 2026.
Platforms
Copilot Money lists iPhone, iPad, Mac and Web. We haven't verified this for SoFi yet, so check the official site for SoFi before you decide. We checked Copilot Money on Oct 24, 2026.
Features
Copilot Money lists AI features. We haven't verified the features for SoFi yet. We checked Copilot Money on Oct 24, 2026.
App store rating
Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings. SoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,426 ratings. We checked both on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.
Copilot Money and SoFi Checking and Savings, side by side
Rows marked “Differs” are where the two official sources say different things, and one row does here.
Swipe the table sideways to see both apps.
| Field | Copilot MoneyBudgeting appCopilot Money is a paid budgeting and tracking app that uses AI to tag your transactions automatically.Visit Copilot Money's site | SoFi Checking and SavingsSavings accountSoFi's savings account pays a higher variable rate when you have eligible direct deposit or $5,000 in qualifying deposits.Visit SoFi Checking and Savings's site |
|---|---|---|
| Price and fees | Copilot Money costs $13 a month, or $95 a year billed yearly.As of Oct 24, 2026. Source: copilot.money | Not verified yet. |
| 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.As of Oct 24, 2026. Source: copilot.money | Not verified yet. |
| APY or rate | Not verified yet. | SoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. The rate is variable.You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY.As of Oct 24, 2026. Source: sofi.com/legal/banking-rate-sheet |
| Opening and balance minimums | Not verified yet. | SoFi says there is no minimum balance requirement.As of Oct 24, 2026. Source: sofi.com/banking/high-yield-savings-account |
| Protection | Not verified yet. | SoFi Bank, N.A. is a Member FDIC.As of Oct 24, 2026. Source: sofi.com/banking/high-yield-savings-account |
| Platforms | Copilot Money lists iPhone, iPad, Mac and Web.As of Oct 24, 2026. Source: copilot.money | Not verified yet. |
| Bank syncing | Not verified yet. | Not verified yet. |
| Features |
| Not verified yet. |
| App store ratingDiffers | 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 | SoFi Checking and Savings has 4.7 out of 5 on the App Store from 385,426 ratings.As of Oct 24, 2026. Source: App Store listing |
App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. Spotted a change? Tell us if something changed.
What the apps look like
Copilot Money
SoFi Checking and Savings
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.
SaverSoFi lists an APY on deposits. That fits a Saver, whose first fix is putting saved money to work.
First fix: Put It to Work.
ScramblerNeither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.
First fix: Bills First.
Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.
Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.
Another option: Fifecta
If neither Copilot Money nor SoFi 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.
What SoFi users say
Based on 500 App Store reviews, 1 Reddit post and 1 Hacker News post dated Apr 2026 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.
- Of the 502 reviews and posts we read, 85 mention deposits, transfers or getting paid.
- Of the 502 reviews and posts we read, 74 mention how easy or hard the app is to use.
- Of the 502 reviews and posts we read, 70 mention customer service or support.
Positive
“Most user friendly banking app there is. Been a member for years. Every year they add something new”
Critical
“If you think an online bank is better than a brick and mortar just wait until you need customer service...”
Positive
“my favorite is sofi. i personally use them as a bank...”
Where these come from
- SoFi 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 SoFi, read Oct 24, 2026. Public search of comments and posts. 8 named the app; we kept 1 where the writer shares their own use of it.
- Reddit search for SoFi, collected Oct 24, 2026. Collected with Apify (harshmaur/reddit-scraper) on Oct 24 2026: a keyword search for "SoFi checking savings", posts and comments from after Oct 24 2025. It returned 81, most of them about something else. We kept 0 where the writer shares their own use of the app or a clear opinion of it, plus 1 from another app's search that discusses this app. We left out moderators, bots, company accounts, referral posts and people promoting their own apps.
- YouTube search for SoFi, collected Oct 24, 2026. Collected with Apify (streamers/youtube-scraper) on Oct 24 2026: a search for "SoFi checking and savings 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/theyhis in r/budgetingforbeginners on Reddit, Oct 21, 2026.
- imzadi on Hacker News, Jul 28, 2026.
FAQ
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.
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.
What APY does SoFi list?
SoFi lists 3.30% APY with eligible direct deposit or $5,000 in qualifying deposits, and 0.80% APY without them, in rates effective Oct 20, 2026. SoFi says the rate is variable. You need eligible direct deposit, or $5,000 in qualifying deposits every 31 days, to earn the 3.30% APY. We checked this on Oct 24, 2026.
What is Copilot Money's app store rating?
Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.
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Keep comparing
- Read our Copilot Money review.
- Read our SoFi Checking and Savings review.
- See Copilot Money alternatives, closest category first.
- See SoFi 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 dates
- copilot.money (2026), checked Oct 24, 2026.
- App Store listing (2026), checked Oct 24, 2026.
- sofi.com/legal/banking-rate-sheet (2026), checked Oct 24, 2026.
- sofi.com/banking/high-yield-savings-account (2026), checked Oct 24, 2026.
- App Store listing (2026), checked Oct 24, 2026.
This is education, not financial advice.
