Copilot Money
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Copilot is an Apple-first product, and it looks like one. The interface borrows visual cues from iOS itself, with smooth charts and a recurring-transactions view that catches subscriptions before they pile up unnoticed. There’s no Android app as of 2026, which rules it out for mixed-platform households, but for someone who already lives in Apple’s ecosystem the trade-off is a more native feel than most cross-platform budgeting apps manage.
The app links to US bank, credit, and investment accounts through Plaid and uses a built-in AI model to suggest categories for new transactions, learning from corrections over time rather than relying purely on fixed merchant rules. It costs roughly $13 a month or about $95 a year, with a free trial and no ad-supported free tier afterward. Copilot suits people who want an all-in-one budget and net-worth tracker but care more about polish and speed than about Windows or Android support.