MoneyPatrol vs Copilot Money
Short answer
MoneyPatrol and Copilot Money both use AI to organize spending, but MoneyPatrol tracks every account type in one place — banks, cards, loans, investments, and net worth — starts at $49/year, and works on iOS, Android, and the web. Copilot Money is iOS/Mac only and starts around $95/year.
- MoneyPatrol works on iOS, Android, and web — Copilot Money is Apple-only
- MoneyPatrol starts at $49/year vs Copilot Money's ~$95/year
- Both use Plaid for read-only bank connections
- MoneyPatrol includes investment, loan, and net-worth tracking on every plan
Feature comparison
| Feature | MoneyPatrol | Copilot Money |
|---|---|---|
| Starting price (annual) | $49/year | ~$95/year |
| Platforms | iOS, Android, web | iOS, Mac only |
| Bank connections | Plaid, 15,000+ institutions | Plaid |
| AI Copilot chat | ||
| Subscription detection | ||
| Investment tracking | ||
| Net worth (assets + liabilities) | ||
| Credit score monitoring | ||
| Cash flow forecasting | ||
| Lifetime plan |
Frequently asked
Is MoneyPatrol cheaper than Copilot Money?
Yes. MoneyPatrol Essential starts at $49/year while Copilot Money is around $95/year. MoneyPatrol also offers a lifetime plan; Copilot Money does not.
Does Copilot Money work on Android?
No. Copilot Money is iOS and Mac only. MoneyPatrol runs on iOS, Android, and any modern browser.
Do both apps use Plaid?
Yes. Both use Plaid for read-only bank connections, so account credentials never touch the app.
Can I try MoneyPatrol before paying?
Yes. The Essential plan includes a 15-day free trial. Premier and Power are direct-purchase plans you can upgrade to anytime.