~$95/year ($7.92/month); free trial available· #2
Try Free →Copilot
Copilot Money
Beautiful, AI-powered budgeting that makes staying on top of family finances feel effortless
Copilot Money earns its runner-up position by being the most pleasant budgeting app to actually use day to day — a factor that matters enormously for long-term habit formation. The AI categorization is genuinely smart, the visualizations are clear, and the app respects that not every family wants to adopt a rigid budgeting system. The iOS-only limitation is a significant constraint for Android households, but Apple-ecosystem families will find Copilot the most frictionless path to financial clarity.
✓ Pros
- Best-in-class user interface — the most visually polished and intuitive budgeting app available on iOS
- AI-powered transaction categorization learns your family's spending patterns and requires minimal manual correction over time
- Flexible budgeting approaches supported — use it as a tracker, envelope budgeter, or hybrid without being forced into one system
✕ Cons
- iOS and Mac only — Android users cannot use Copilot, which is a hard dealbreaker for mixed-device families
- Family sharing features are functional but less fully developed than YNAB's shared budget system
Scores
Overall
9.1
Features
9
EaseOfUse
9.5
FamilySharing
8.8
GoalTracking
8.7
Value
8.9