Verdict
Winner: Copilot Money
For users who want a polished budgeting interface with investment tracking and automation
Copilot Money is better for users who want a premium mobile budgeting experience with investment tracking and automation rules. Rocket Money is better for users who want to save money passively through subscription cancellation and bill negotiation. Copilot is the proactive tool; Rocket Money is the reactive one.
14-day free trial · No credit card required
TL;DR
Winner: Copilot Money
Best for: Design-focused budgeters who want investment tracking and powerful automation rules
$60/yr more (Copilot $119.88 vs Rocket Money $59.88)
Copilot Money vs Rocket Money (2026): Which Is Better?
Published Jan 15, 2026 · 8 min read
Pricing verified Feb 23, 2026We compared Copilot Money and Rocket Money on design, automation, and value. Copilot wins for hands-on budgeters — here's why, and when Rocket Money's bill negotiation saves you more.
Try Copilot Money ← This is an affiliate link — we may earn a commission.
Feature-by-feature
| Features |
Winner
Copilot Money
$9.99/mo
| $4.99/mo |
|---|---|---|
| Monthly Price | $14.99/mo | $6.99/mo |
| Annual Price | $119.88/yr | $59.88/yr |
| Free Trial | 14 days | 7 days |
| Prices checked Feb 23, 2026 | ||
| 4.8/5 (6,200 reviews) | 4.5/5 (34,200 reviews) | |
| Bank Syncing | ||
| Investment Tracking | ||
| Net Worth Dashboard | ||
| Bill Tracking | ||
| Shared Household Access | ||
| Custom Categories | ||
| Recurring Transactions | ||
| Goal Tracking | ||
| Credit Score Monitoring | ||
| Subscription Tracking | ||
| Zero-Based Budgeting | ||
| Envelope Budgeting | ||
| CSV Import | ||
| Mobile App | ||
| Web App | ||
| Reports & Charts | ||
| Custom Rules | ||
| Crypto Tracking | ||
| Learning Center | ||
| Negotiation Service | ||
| Get Started with Copilot Money 14-day free trial · No credit card required | ||
Copilot Money
$9.99/mo billed annually
- Bank Syncing
- Investment Tracking
- Net Worth Dashboard
- Bill Tracking
- Shared Household Access
- Custom Categories
- Recurring Transactions
- Goal Tracking
- Credit Score Monitoring
- Subscription Tracking
- Zero-Based Budgeting
- Envelope Budgeting
- CSV Import
- Mobile App
- Web App
- Reports & Charts
- Custom Rules
- Crypto Tracking
- Learning Center
- Negotiation Service
Rocket Money
$4.99/mo billed annually
- Bank Syncing
- Investment Tracking
- Net Worth Dashboard
- Bill Tracking
- Shared Household Access
- Custom Categories
- Recurring Transactions
- Goal Tracking
- Credit Score Monitoring
- Subscription Tracking
- Zero-Based Budgeting
- Envelope Budgeting
- CSV Import
- Mobile App
- Web App
- Reports & Charts
- Custom Rules
- Crypto Tracking
- Learning Center
- Negotiation Service
Pricing breakdown
How much does each app really cost?
Copilot Money
14-day free trial · No credit card required
Rocket Money
Best fit
Who should choose Copilot Money
- Design-obsessed users who want the most visually polished budgeting experience available on mobile
- Automation power users who need custom rules to auto-categorize, tag, and filter transactions
- Investors who want portfolio tracking and net worth alongside daily spending — Rocket Money doesn't track investments
Who should choose Rocket Money
- Subscription-heavy users who lose track of recurring charges and want one-tap cancellation
- Hands-off savers who want Rocket Money's negotiation team to lower bills without manual effort
- Budget-conscious users who want basic spending tracking at $4.99/mo — less than half of Copilot's annual rate
Switching from Mint?
Copilot Money
Copilot does not support CSV import. All data starts fresh from Plaid-synced accounts. Your Mint history won't transfer.
Rocket Money
Rocket Money does not support CSV import. It connects via Plaid and starts fresh from your connection date.
The bottom line
Our final recommendation
Copilot Money is better for users who want a premium mobile budgeting experience with investment tracking and automation rules. Rocket Money is better for users who want to save money passively through subscription cancellation and bill negotiation. Copilot is the proactive tool; Rocket Money is the reactive one.
14-day free trial · No credit card required
Frequently Asked Questions
Is Copilot Money better than Rocket Money?
For budgeting and financial tracking, yes. Copilot Money offers investment tracking, custom automation rules, and a beautifully designed interface. Rocket Money excels at subscription cancellation and bill negotiation — features Copilot doesn't offer.
How much does Copilot Money cost vs Rocket Money?
Copilot Money costs $14.99/mo or $119.88/yr ($9.99/mo billed annually). Rocket Money costs $6.99/mo or $59.88/yr ($4.99/mo billed annually). Rocket Money is $60/yr cheaper.
Does Copilot Money negotiate bills?
No. Copilot Money is a budgeting and financial tracking tool only. Rocket Money's bill negotiation service contacts providers to lower your cable, phone, and insurance bills, charging a percentage of savings achieved.
Which app tracks investments?
Copilot Money tracks investment portfolios with performance charts, holdings breakdowns, and net worth. Rocket Money does not include investment tracking — it focuses on spending, subscriptions, and bill management.
Does Rocket Money have automation rules?
No. Rocket Money auto-categorizes transactions but doesn't offer custom automation rules. Copilot Money's rule engine is one of the most powerful in any budgeting app — you can auto-tag, categorize, and filter transactions with granular conditions.
Which app has a better mobile experience?
Copilot Money is widely regarded as having the best-designed mobile interface of any budgeting app. Its animations, charts, and visual hierarchy are best-in-class. Rocket Money's app is functional but less visually refined.
Can either app cancel subscriptions?
Rocket Money can identify and cancel unwanted subscriptions on your behalf. Copilot Money tracks subscriptions but cannot cancel them for you. This is Rocket Money's core differentiator.
Does either app include credit score monitoring?
Rocket Money includes free credit score monitoring. Copilot Money does not offer credit score tracking.
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