Verdict
Winner: Copilot Money
For power users who want premium design, automation rules, and investment tracking
Copilot Money is better for design-focused power users who want investment tracking, automation rules, and a premium mobile experience. Simplifi is better for budget-conscious users who want clean spending tracking at less than a third of the price. The $72/yr gap makes this a feature-vs-value decision.
14-day free trial · No credit card required
TL;DR
Winner: Copilot Money
Best for: Design-focused power users who want premium automation and investment tracking
$72/yr more (Copilot $119.88 vs Simplifi $47.88)
Copilot Money vs Simplifi (2026): Which Is Better?
Published Jan 15, 2026 · 8 min read
Pricing verified Feb 23, 2026We compared Copilot Money and Simplifi by Quicken on design, features, and value. Copilot wins for power users — here's why, and when Simplifi's lower price makes it the smarter pick.
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Feature-by-feature
| Features |
Winner
Copilot Money
$9.99/mo
| $3.99/mo |
|---|---|---|
| Monthly Price | $14.99/mo | $5.99/mo |
| Annual Price | $119.88/yr | $47.88/yr |
| Free Trial | 14 days | 30 days |
| Prices checked Feb 23, 2026 | ||
| 4.8/5 (6,200 reviews) | 4.4/5 (8,900 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
Simplifi by Quicken
$3.99/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
Simplifi by Quicken
Best fit
Who should choose Copilot Money
- Design-obsessed users who want the most beautiful mobile budgeting interface available
- Automation power users who need custom rules for transaction categorization and tagging
- Investors who want detailed portfolio tracking with performance charts and asset allocation
Who should choose Simplifi by Quicken
- Budget-conscious users who want solid budgeting at $3.99/mo — less than a third of Copilot's annual rate
- Desktop users who need a web app — Copilot is mobile-only with no web interface
- Simple budgeters who want spending tracking and savings goals without the complexity of automation rules
Switching from Mint?
Copilot Money
Copilot does not support CSV import. All data starts fresh from Plaid-synced accounts.
Simplifi by Quicken
Simplifi does not support CSV import. It syncs via Plaid from your connection date. Historical data won't transfer.
The bottom line
Our final recommendation
Copilot Money is better for design-focused power users who want investment tracking, automation rules, and a premium mobile experience. Simplifi is better for budget-conscious users who want clean spending tracking at less than a third of the price. The $72/yr gap makes this a feature-vs-value decision.
14-day free trial · No credit card required
Frequently Asked Questions
Is Copilot Money better than Simplifi?
For power users, yes. Copilot Money offers superior design, custom automation rules, and detailed investment tracking. Simplifi covers the budgeting basics at a fraction of the price. Copilot is the premium choice; Simplifi is the value pick.
How much does Copilot cost compared to Simplifi?
Copilot Money costs $14.99/mo or $119.88/yr ($9.99/mo billed annually). Simplifi costs $5.99/mo or $47.88/yr ($3.99/mo billed annually). Copilot is $72/yr more — nearly 2.5x the price.
Does Simplifi have automation rules?
No. Simplifi auto-categorizes transactions but doesn't offer custom automation rules. Copilot Money's rule engine lets you auto-tag, categorize, and filter transactions with conditions — it's one of the most powerful in any budgeting app.
Does Copilot have a web app?
No. Copilot Money is mobile-only (iOS and Android). Simplifi has both a web app and mobile apps. If desktop access matters, Simplifi has the advantage.
Which app tracks investments better?
Copilot Money offers detailed investment tracking with performance charts, holdings breakdowns, and asset allocation views. Simplifi includes basic investment account tracking and net worth, but lacks the depth of Copilot's portfolio analysis.
Can I share either app with my partner?
Neither app supports shared household access. Both require individual subscriptions. For shared access, consider Monarch Money or YNAB.
Which app has a better free trial?
Simplifi offers a 30-day free trial. Copilot Money offers a 14-day trial. Simplifi gives you more than twice the time to evaluate.
Which app has better reports?
Both have strong reporting. Copilot's charts and visualizations are more visually striking with polished animations. Simplifi's reports are cleaner and more straightforward with clear category breakdowns and monthly trends.
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