What Copilot Money is
Copilot Money is a design-led spending tracker for Apple users: iPhone, iPad, Mac, Apple Vision and, since December 2025, the web. There is no Android app. It connects through Plaid (with MX, Mastercard and Akoya as fallbacks), categorizes with a per-user model, tracks recurring charges, investments, crypto and home values, and shows net worth. In 2026 it added a Money Assistant in beta that gives daily briefings and can act on budgets, categories and recurring transactions after asking for approval. It costs $13 a month or $95 a year with a one-month trial, US only.
What Allocate is
Allocate is a personal-finance app built so you can plan in plain language. You link your accounts (Plaid), then you talk: “can I afford a $600 flight in November?”, “move the house goal out a year”, “what happens if I put $400 more into the 401(k)?” Allo-Bot answers from your real numbers and, when something should change, stages the change for you to approve. It never moves money.
Around the conversation are three things we haven’t seen elsewhere. My plan is a written plan — your goals, in order, with what each takes a month and when it lands — that reads like a document, not a dashboard. Workspace is a board you build from your own data: pin a card for any number, a note beside it, a sheet with live cells, and ask the guide to break a figure down onto the board. And a morning brief tells you what moved and what needs a yes, so you don’t have to go looking. Pay that comes in pieces — a bonus, a commission, a vest — is handled as income in the plan, not a surprise deposit.
The point of all of it is that a plan should be liquid. A raise, a move, a baby, a job change, a bad month: you say what changed, and the plan moves — goals re-dated, amounts re-sized, the brief the next morning telling you where things stand. It’s not a budget to keep up; it’s a plan that keeps up with you. One price, US only, web and iPhone.
Where Copilot Money is better
- Design. Copilot is the app people show their friends. Every screen is considered.
- Mac and iPad. Native apps on both; Allocate is web and iPhone.
- Investment depth. Intraday updates, index benchmarks, crypto wallets and Zillow home values. Allocate tracks balances and holdings without the market-data layer.
- Price. $95 a year against Allocate’s $240.
- Categorization. Copilot Intelligence learns your categories from your own corrections and is very good at it.
Where Allocate is better
- The assistant plans, not just tidies. Copilot’s Money Assistant acts on budgets, categories and recurring transactions. Allo-Bot acts on the plan: “push the car fund to spring and put the difference on the emergency fund” becomes two staged changes you approve.
- Built to change. Copilot records what happened. Allocate re-plans when life moves: a new job, a move, a baby, a bad month — say it, and the goals re-date and re-size, staged for your yes.
- My plan. Copilot has a Goals tab. Allocate has a written plan you can read end to end — goals in order, monthly amounts, landing dates, what changed.
- Workspace. Copilot’s screens are Copilot’s. A Workspace board is yours: pin any figure, add notes and live sheets, ask the guide to break a number down onto the board.
- Pay in pieces. Copilot has no variable-income, bonus or equity features at all. In Allocate a commission or a vest is expected income that funds the goals it should.
- Goals kept honest. Each goal is measured month by month against what comes in; when one outruns your income the plan says so and offers a one-tap fit.
- Before a bank. Copilot needs linked accounts to show anything; Allocate plans from your setup estimate on day one.
Which one should you pick?
- You’re all-in on Mac and iPad and want native apps.
- You want the most polished spending tracker there is.
- Investment and crypto tracking matter more than planning.
- You want the cheaper subscription.
- You want to plan by asking, not by categorizing.
- You want a written plan and a board of your own.
- Some of your pay is bonus, commission or equity.
- You want to start before you link a bank.
Frequently asked questions
Both apps have an AI that can act. What’s the difference?
Copilot’s Money Assistant acts on budgets, categories and recurring transactions, with approval. Allo-Bot acts on the plan: goals, contributions, expected income, bills — also with approval. The difference is what the app is made of. Copilot is categories and transactions; Allocate is a plan and the goals in it.
Does Copilot handle RSUs or bonuses?
Not as a feature. Copilot has no variable-income, bonus or equity handling in its help center or product pages as of the date checked. A vest shows up as a transaction like any other.
Is there an Android app for either?
No. Copilot is iPhone, iPad, Mac, Vision and web. Allocate is web and iPhone. If you’re on Android, look at Monarch or YNAB.
Which is cheaper?
Copilot: $95 a year or $13 a month. Allocate: $240 a year ($20 a month paid yearly) or $25 monthly, with 100 Allo-Bot messages a month included.
Does either app move my money?
Neither. Both read your accounts and never transfer funds.
Sources
- Copilot Money
- Copilot FAQ
- Copilot: web app launch
- Copilot: Money Assistant beta
- Copilot help: how we get your data
- Copilot help: sharing with a partner
- Copilot help: Copilot Intelligence
We wrote this comparison. We tried to be fair, and every Copilot Money claim links to where we read it, but we make Allocate, so read it as one side of the argument and try both.