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Debt payoff comparison

Copilot Money vs Undebt.it

Updated

Undebt.it logo

Undebt.it

Debt payoff app

Visit site for Undebt.it (opens in a new tab)

Undebt.it is a web-based debt payoff planner and tracker with a free plan and an optional Undebt.it+ membership.

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 Undebt.it is a debt payoff app. Copilot Money costs $13 a month, or $95 a year billed yearly, while Undebt.it is free to use. We checked both on Oct 24, 2026, and the official sources differ on 3 of the 10 rows in the table below.

Copilot Money vs Undebt.it at a glance

Copilot Money is a budgeting app and Undebt.it is a debt payoff app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The sources differ on 3 of the 10 rows in the table below.

Price and fees

Copilot Money costs $13 a month, or $95 a year billed yearly. Undebt.it is free to use. Undebt.it+ costs $10 a year. We checked both on Oct 24, 2026.

Free trial

Copilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length. Undebt.it+ has a 30-day free trial, and you don't need a credit card to start it. We checked both on Oct 24, 2026.

Platforms

Copilot Money lists iPhone, iPad, Mac and Web. Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). We checked both on Oct 24, 2026.

Bank syncing

Undebt.it+ only. Undebt.it doesn't connect directly to your bank, but Undebt.it+ can pull in balances and transactions from YNAB or through SimpleFIN. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Undebt.it on Oct 24, 2026.

Payoff methods

Undebt.it lists these payoff methods: Debt Snowball, Debt Avalanche (Stacking), Debt Hybrid (Debt-to-Interest Ratio), Cash Flow Index (CFI), Highest Monthly Payment, Highest Credit Utilization, Highest Monthly Interest Paid and Your Own Custom Plan. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Undebt.it on Oct 24, 2026.

Debt-free date

Yes. Undebt.it builds a month-by-month payoff schedule with a debt-free date on it. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Undebt.it on Oct 24, 2026.

Extra payments

Yes. You can add an extra payment to your plan, plus one-off extra payments that Undebt.it calls Debt Snowflakes. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Undebt.it on Oct 24, 2026.

Payment reminders

Undebt.it+ only. Undebt.it+ sends payment reminders by text message and push notification. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Undebt.it on Oct 24, 2026.

Features

Copilot Money lists AI features and data export. We haven't verified the features for Undebt.it 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. We haven't verified this for Undebt.it yet, so check the official site for Undebt.it before you decide. We checked Copilot Money on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.

What it costs

  • Copilot Money logoCopilot Money

    $13a month

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

    $95 a year, from the yearly price

    Cost over 1 and 3 years: $95 and $285, at the yearly list price before tax.

    As of · copilot.money

  • Undebt.it logoUndebt.itLower price

    $10a year

    Undebt.it is free to use. Undebt.it+ costs $10 a year.

    $10 a year, from the yearly price

    Cost over 1 and 3 years: $10 and $30, at the yearly list price before tax.

Bars compare each app's yearly list price. "Lower price" marks the lowest yearly 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.

At a glance

  • Free trial

    Copilot Money
    Length not listed
    Undebt.it
    30 days
    Source
    • Copilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length. copilot.money, as of Oct 24, 2026.
    • Undebt.it+ has a 30-day free trial, and you don't need a credit card to start it. undebt.it/pricing-features-reviews.php, as of Oct 24, 2026.
  • App Store rating

    Copilot Money
    4.830,705 ratings
    Undebt.it
    Not verified yet
    Source
    • Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings. App Store listing, as of Oct 24, 2026.
    • Undebt.it: Not verified yet.
  • Platforms

    Copilot Money
    • iPhone
    • iPad
    • Mac
    • Web
    Undebt.it
    • Web
    • iPhone (home screen install)
    • Android (home screen install)
    Source
    • Copilot Money lists iPhone, iPad, Mac and Web. copilot.money, as of Oct 24, 2026.
    • Undebt.it lists Web, iPhone (home screen install) and Android (home screen install). undebt.it/faq-article.php, as of Oct 24, 2026.
  • Bank syncing

    Copilot Money
    Not verified yet
    Undebt.it
    Undebt
    Source
    • Copilot Money: Not verified yet.
    • Undebt.it+ only. Undebt.it doesn't connect directly to your bank, but Undebt.it+ can pull in balances and transactions from YNAB or through SimpleFIN. undebt.it/pricing-features-reviews.php, as of Oct 24, 2026.
  • Payoff methods

    Copilot Money
    Not verified yet
    Undebt.it
    • Debt Snowball
    • Debt Avalanche (Stacking)
    • Debt Hybrid (Debt-to-Interest Ratio)
    • Cash Flow Index (CFI)
    • Highest Monthly Payment
    • Highest Credit Utilization
    • Highest Monthly Interest Paid
    • Your Own Custom Plan
    Source
    • Copilot Money: Not verified yet.
    • Undebt.it lists these payoff methods: Debt Snowball, Debt Avalanche (Stacking), Debt Hybrid (Debt-to-Interest Ratio), Cash Flow Index (CFI), Highest Monthly Payment, Highest Credit Utilization, Highest Monthly Interest Paid and Your Own Custom Plan. undebt.it, as of Oct 24, 2026.
  • Debt-free date

    Copilot Money
    Not verified yet
    Undebt.it
    Yes
    Source
  • Extra payments

    Copilot Money
    Not verified yet
    Undebt.it
    Yes
    Source
    • Copilot Money: Not verified yet.
    • Yes. You can add an extra payment to your plan, plus one-off extra payments that Undebt.it calls Debt Snowflakes. undebt.it, as of Oct 24, 2026.
  • Payment reminders

    Copilot Money
    Not verified yet
    Undebt.it
    Undebt
    Source
    • Copilot Money: Not verified yet.
    • Undebt.it+ only. Undebt.it+ sends payment reminders by text message and push notification. undebt.it/plus-info.php, as of Oct 24, 2026.

Features

Features listed by each app's official source. A question mark means not verified yet.
FeatureCopilot MoneyUndebt.it
AI featuresListed by the sourceNot verified yet
Shared budgetsShared login: you both sign in to the same accountNot verified yet
Data exportListed by the sourceNot verified yet

✓ means the official site lists it. ? means we haven't verified it yet, not that the app lacks it. Shared login means you both sign in to the same account, with no separate partner login. Copilot Money: copilot.money, as of Oct 24, 2026; Data export: help.copilot.money/en/articles/5944414-exporting-your-transaction-data, as of Oct 24, 2026; Shared budgets: help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner, as of Oct 24, 2026.

Screen by screen

Pick a task to see what each app shows for it. App Store and Google Play images are the apps' own marketing, so they can show sample data and staged layouts. Help center images come from the app's support articles. See every app's screens.

Home

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

Undebt.it logoUndebt.it

No official screen found yet

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

Undebt.it logoUndebt.it

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

Undebt.it logoUndebt.it

No official screen found yet

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

Undebt.it logoUndebt.it

No official screen found yet

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

Undebt.it logoUndebt.it

No official screen found yet

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

Undebt.it logoUndebt.it

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

Undebt.it logoUndebt.it

No official screen found yet

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

Undebt.it logoUndebt.it

No official screen found yet

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

Undebt.it logoUndebt.it

No official screen found yet

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

Undebt.it logoUndebt.it

No official screen found yet

Copilot Money and Undebt.it, side by side

Rows marked “Differs” are where the official sources say different things, and 3 rows do here. "Lower price" marks the lowest yearly price the sources list. It's a number, not our pick.

No row matches exactly, so all 10 rows stay. Rows we can't compare yet dim.

Swipe the table sideways to see both apps.

Copilot Money and Undebt.it compared. Each cell shows the date it was checked and links to its source.
FieldCopilot Money logoCopilot MoneyBudgeting appCopilot Money is a paid budgeting and tracking app that uses AI to tag your transactions automatically.Visit Copilot Money's siteUndebt.it logoUndebt.itDebt payoff appUndebt.it is a web-based debt payoff planner and tracker with a free plan and an optional Undebt.it+ membership.Visit Undebt.it's site
Price and feesDiffersCopilot Money costs $13 a month, or $95 a year billed yearly.As of Oct 24, 2026. Source: copilot.moneyLower priceUndebt.it is free to use. Undebt.it+ costs $10 a year.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
Free trialDiffersCopilot 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.moneyUndebt.it+ has a 30-day free trial, and you don't need a credit card to start it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
PlatformsDiffersCopilot Money lists iPhone, iPad, Mac and Web.As of Oct 24, 2026. Source: copilot.moneyUndebt.it lists Web, iPhone (home screen install) and Android (home screen install).As of Oct 24, 2026. Source: undebt.it/faq-article.php
Bank syncingNot verified yet.Undebt.it+ only. Undebt.it doesn't connect directly to your bank, but Undebt.it+ can pull in balances and transactions from YNAB or through SimpleFIN.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
Payoff methodsNot verified yet.Undebt.it lists these payoff methods: Debt Snowball, Debt Avalanche (Stacking), Debt Hybrid (Debt-to-Interest Ratio), Cash Flow Index (CFI), Highest Monthly Payment, Highest Credit Utilization, Highest Monthly Interest Paid and Your Own Custom Plan.As of Oct 24, 2026. Source: undebt.it
Debt-free dateNot verified yet.Yes. Undebt.it builds a month-by-month payoff schedule with a debt-free date on it.As of Oct 24, 2026. Source: undebt.it/pricing-features-reviews.php
Extra paymentsNot verified yet.Yes. You can add an extra payment to your plan, plus one-off extra payments that Undebt.it calls Debt Snowflakes.As of Oct 24, 2026. Source: undebt.it
Payment remindersNot verified yet.Undebt.it+ only. Undebt.it+ sends payment reminders by text message and push notification.As of Oct 24, 2026. Source: undebt.it/plus-info.php
Features
  • Shared login only: Shared budgets
  • Yes: AI features
  • Yes: Export
As of Oct 24, 2026. Source: copilot.moneyShared budgets: Shared login only: your partner signs in to your same account. There is no separate partner login. As of Oct 24, 2026. Source: help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partnerExport: Transaction export as a spreadsheet on iOS, iPadOS, macOS and web. As of Oct 24, 2026. Source: help.copilot.money/en/articles/5944414-exporting-your-transaction-data
Not verified yet.
App store ratingCopilot Money has 4.8 out of 5 on the App Store from 30,705 ratings.As of Oct 24, 2026. Source: App Store listingNot verified yet.

App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. How we source and date this data. Spotted a change? Tell us if something changed.

Weighing a third option? Add up to two more apps to this table and compare up to four side by side.

Who it's for

Pick the tab that sounds like you. The questions come from app help centers, FAQ pages and user forums, and every answer comes from the app's own pages, with the date we checked it.

Just me

Budgeting on your own? These are the basics people ask about first.

  • Is it free?

    Copilot Money

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

    As of . Source: copilot.money

    Undebt.it

    Undebt.it is free to use. Undebt.it+ costs $10 a year.

    As of . Source: undebt.it

  • Does it connect to my bank and import transactions?

    Copilot Money

    Not verified yet

    Undebt.it

    Undebt.it+ only. Undebt.it doesn't connect directly to your bank, but Undebt.it+ can pull in balances and transactions from YNAB or through SimpleFIN.

    As of . Source: undebt.it

  • Can I export my data?

    Copilot Money

    Yes. You can export your data.

    In their words: “Copilot allows you to export all of your transaction data as a spreadsheet on iOS, iPadOS, macOS and Web.”

    As of . Source: help.copilot.money

    Undebt.it

    Yes. You can export your data.

    In their words: “Export payoff plan to Excel”

    As of . Source: undebt.it

  • Is there support from the app's makers if I need help?

    Copilot Money

    Yes. In-app chat and email.

    In their words: “Still have questions? Contact us in the app or at support@copilot.money.”

    As of . Source: help.copilot.money

    Undebt.it

    Yes. Email and contact form.

    In their words: “E-mail: jeff@undebt.it”

    As of . Source: undebt.it

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.

    In their words: “On the next screen, have them enter the email address associated with your Copilot account.”

    As of . Source: help.copilot.money

    Undebt.it

    Not verified yet

  • Can we keep shared and individual views?

    Copilot Money

    Yes. You can keep shared and individual views.

    In their words: “Custom Category Groups: You can create a group of categories for each individual to manage their own budget.”

    As of . Source: help.copilot.money

    Undebt.it

    Not verified yet

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.

    In their words: “You can use Tags to track business spending instead of using separate categories.”

    As of . Source: help.copilot.money

    Undebt.it

    Not verified yet

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.

    In their words: “You can use Tags to track business spending instead of using separate categories.”

    As of . Source: help.copilot.money

    Undebt.it

    Not verified yet

  • Can I share my finances with my accountant?

    Copilot Money

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

    In their words: “Copilot allows you to export all of your transaction data as a spreadsheet on iOS, iPadOS, macOS and Web.”

    As of . Source: help.copilot.money

    Undebt.it

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

    In their words: “Export payoff plan to Excel”

    As of . Source: undebt.it

“Not verified yet” means we haven't found a current official source that answers it, not that the app can't. We only say no when the app's own page does.

Which fits your Money Type?

There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.

  • Strategist

    Neither 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.

  • Spender

    Neither 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.

  • 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

    Undebt.it lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.

    First fix: Bills First.

Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.

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

Another option: Fifecta

If neither Copilot Money nor Undebt.it 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.”
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 Oct 24, 2026.

How much does Undebt.it cost?

Undebt.it is free to use. Undebt.it+ costs $10 a year. 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.

Does Undebt.it have a free trial?

Undebt.it+ has a 30-day free trial, and you don't need a credit card to start it. We checked this on Oct 24, 2026.

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Keep comparing

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.

Pinterest pin for Copilot Money vs Undebt.it, 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.

Sources and confidence

Last checked
Not verified yet
2 of 15 facts
Copilot Money5 of 6 verified, 1 not verified yet, last checked Oct 24, 2026
Undebt.it8 of 9 verified, 1 not verified yet, last checked Oct 24, 2026

Each fact links to the official page it came from, with the date we checked it. Once a fact is older than its app's window (8 days for apps whose rates change often, 35 days for the rest), it reads “Not verified yet” until we check it again. How we source, date and index this data.

This is education, not financial advice.