Verithiathe honest score on any app
Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Copilot vs Rocket Money

Copilot 4.8★ · Free + IAP 75
Winner Copilot
Rocket Money 4.5★ · Free to download 60

Copilot is generally preferred for its robust budgeting and tracking features, despite recent stability issues, while Rocket Money is better for basic financial oversight and subscription management.

Full reviews: Copilot · Rocket Money

Copilot offers a more comprehensive and customizable budgeting and tracking experience, though it has faced recent technical glitches. Rocket Money excels at subscription management and providing a quick overview of finances, but some users find its budgeting tools less intuitive and its free tier limited.

Head to head

Features & Functionality edge: CopilotR8R9R14R16
Copilot Copilot is praised for its ability to track transactions across various accounts, categorize spending, and set budgets, with users appreciating its detailed financial overview and goal-setting capabilities R8R14R26R41. However, some users note missing features like tracking expenses from brokerage accounts, transaction matching, or exporting filtered data R9R16.
Rocket Money Rocket Money is highly valued for its subscription management, helping users identify and cancel unwanted recurring payments R62R92R95. It also provides a clear overview of spending and bill reminders . However, some users find its budgeting features less robust or confusing and report that it doesn't always find all subscriptions or allow in-app cancellation R82.
Ease of Use & Interface edge: CopilotR5R11R26R42
Copilot Copilot is often described as having a clean design, intuitive setup, and polished mobile app R11R26. Users appreciate its native iOS app experience R5. However, some find the budgeting convoluted R42 or the interface non-intuitive for less tech-savvy users .
Rocket Money Rocket Money is generally considered easy to use for basic tracking and understanding spending habits . However, a significant number of users find the app confusing to navigate and clunky .
Reliability & Syncing tieR3R5R7R21
Copilot Copilot has significant issues with account syncing and data accuracy, with users reporting transactions not updating, double-counting, or missing entirely R3R5R7. Connectivity problems, often attributed to its reliance on Plaid, are a recurring complaint R21R36. Recent updates have also caused the app to crash for many users .
Rocket Money Rocket Money also experiences syncing issues, with some users reporting duplicate transactions or accounts not linking . Some users note a delay in transaction updates or limited sync frequency . However, some users find it reliable for syncing across multiple accounts .
Customer Support edge: CopilotR7R10R20R25
Copilot Copilot's customer support receives mixed reviews. Some users praise it as prompt, helpful, and responsive R20. However, many report slow responses, inability to solve problems, reliance on chat bots, and difficulty reaching a real person, especially when the app is crashing R7R10R25R28.
Rocket Money Rocket Money's customer support is a point of frustration for many, with users reporting unhelpful responses, long waits for issue resolution, and difficulty canceling services or getting refunds . Some users mention being charged for unauthorized memberships and having to seek refunds .
Price & Value edge: CopilotR12R26R28R34
Copilot Copilot is a paid subscription app, costing around $95/year. Many users feel it is worth the premium price for its comprehensive features and design R26R41. However, others find it too expensive given the persistent bugs, slow feature development, and connectivity issues R12R28R34.
Rocket Money Rocket Money is free to download but offers a premium subscription. The free version has limitations, and users often feel pressured to upgrade for core features like subscription cancellation R61. There are complaints about predatory charging practices and high fees for services like bill negotiation, which some find not worth the cost .
Pick Copilot if

you are looking for a comprehensive and customizable budgeting and money tracking app with a polished design, and you are willing to pay a premium price for it R11R26. You should also pick Copilot if you prioritize detailed financial visibility across various accounts and goal setting R8R14R41.

Pick Rocket Money if

your primary need is to identify and manage subscriptions, get a quick overview of your spending, and receive bill reminders R62R92. It might also be suitable if you prefer a free-to-start app for basic financial awareness .

Evidence note: Copilot's recent reviews are heavily skewed by critical bugs and crashing issues following a recent update . This impacts its overall reliability score, despite many users praising its features when it works correctly R8R11R26. Rocket Money's free-to-download model means many negative reviews stem from free-tier limitations or perceived value issues when asked to pay for features R61.

Frequently asked

Which app is better for budgeting?
Copilot is generally considered better for detailed and customizable budgeting, allowing users to categorize transactions, set budgets for each category, and track financial goals effectively R8R14R26R41. Rocket Money offers budgeting features, but some users find them less intuitive and harder to set up .
Can these apps help me cancel subscriptions?
Rocket Money is specifically advertised for helping users find and cancel unwanted subscriptions, and many users praise it for this feature R62R92R95. However, some users report that it doesn't always find all subscriptions or allow direct in-app cancellation, sometimes requiring manual intervention R82. Copilot's reviews do not mention subscription cancellation as a primary feature.
How much do these apps cost?
Copilot is a paid subscription app, costing around $95 per year R26R28R34. Rocket Money is free to download but offers a premium membership for additional features, with some users reporting charges for services they didn't authorize or high fees for bill negotiation R61.
Do these apps have connectivity issues with banks?
Both apps have reported connectivity issues. Copilot users frequently mention problems with accounts not syncing, transactions missing or double-counting, and difficulty connecting to specific institutions, often blaming its reliance on Plaid R3R7R21R36. Rocket Money users also report duplicate transactions, accounts not linking, or delayed updates, though some find its syncing reliable .

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R8] Copilot 5/5 · US Amazing personal finance tracker!: I’ve been using this app for almost a year now and love it. It makes it super easy to see all of my transactions across credit cards, Venmo, and investment accounts in one spot and I love being able to categorize transactions and set a budget for each category. One additional feature I would really like to see my save rate on the cash flow page. I can do some m
  2. [R9] Copilot 3/5 · US Need to be able to tracks expenses out of brokerage accounts: I moved some of my transactions to come out of my brokerage account and copilot does not track those. The only work around is to manually track which I don’t want to do. It works fine on pretty much everything else (like credit cards, normal bank account) but this is a deal breaker for me. I won’t renew my membership if this doesn’t g
  3. [R14] Copilot 5/5 · US Amazing App: I use this app along with my husband to track all of our expenses and better budget. It’s great for goal setting and planning ahead. It also helps to handle any transactions we’ve let slip through the cracks. Definitely recommend for anyone who wants a better handle of their finances and setting budgets you can stick to.
  4. [R16] Copilot 2/5 · US Decent app but no transaction matching?: I thought the app was pretty good, but it lacked a very basic but essential feature - transaction matching. Huge deal breaker for me! I wasn’t about to sit there and delete duplicate transactions every week. What a nightmare! To be honest, I was about to cancel my Quicken subscription, but quickly realized that Copilot Money fell short. It’s really too bad
  5. [R5] Copilot 4/5 · US Mostly love, sometimes glitchy: Love that it’s a native iOS app and not another web-based money app. It’s not really a budgeting app in the strict zero-based-budgeting way but it’s more of a money tracking and forecasting method of budgeting app. Great for conveniently searching up prior purchases and keeping tabs on where my money went but sometimes it double counts certain transactions and that
  6. [R11] Copilot 5/5 · US Simplifies Money Management: Intuitive Set up and all the features needed. Ive tried MANY money management tools and as a former user design & support contact, I’m aware of how difficult it is to program something complex yet make it work seamlessly for all user levels. If the app stays this reliable and safe, I’m a customer for life.
  7. [R26] Copilot 5/5 · US Best Budget App: After spending 8 years using Mint, then about 5 years using Personal Capital (Empower), I came across this gem! Best budget app I’ve used yet - extremely polished mobile app, and it has everything you need - accounts history, categories, tags, syncs very well with most banks, custom goals. It’s well worth the $95/year! Kudos to the developers as well for creating an easy to use UI
  8. [R42] Copilot 3/5 · US Non-intuitive interface: I feel there is more focus on aesthetics than function with this app. The budgeting was too convoluted for my taste.
  9. [R3] Copilot 3/5 · US Good not great: Used to be a great tool when I first started using it. Recently it hasn’t been updating my checking and credit card balances. When reverifying credentials it bugged out and added my accounts again. This skewed my data and gave me a headache. Having to delete and start from scratch.
  10. [R7] Copilot 1/5 · US Many syncing issues: I have been using this app since late last year. Still, there are various syncing issues consistently. For example, the current one is that the transactions of my bank accounts from jan to April are not showing which distorts my finance picture significantly. Also, when I reached out for customer service (only chat box available no call) has been slow and quite often cannot so
  11. [R21] Copilot 3/5 · US Relies too much on Plaid services: Started a yearly subscription in the beginning of 2026. Halfway through, my accounts stopped syncing and ruined all the tracking of my investments, categories, and cash flow. And they blamed it on Plaid, the company they used to track your accounts. Shouldn’t build an app that relies heavily on another company that they can’t control. Tried to get a refund, but s
  12. [R10] Copilot 1/5 · US Seeing bugs but no solutions for a long time: The app has terrible issues where my reviewed transactions are lost and having trouble connecting to Fidelity. The customer service team is unprofessional and providing no support or remedition.
  13. [R20] Copilot 5/5 · US Great app: Responsive app support after resolving a bug.
  14. [R25] Copilot 2/5 · US Wonderful Portfolio Manager but....: I've thoroughly enjoyed using this app to help manage my finances. It has help find missed recurring payments, understand where my money is spent as well as a plethora of other benefits. Issues with this is in the integrations with financial institutions and very importantly, support when something isn't going as planned. In the last year of using the app, I
  15. [R12] Copilot 3/5 · US Good, but feels like they gave up: Mostly good, but slow to implement basic features. It feels like they did a sprint to launch and stopped improving it. Disappointed given the premium price point.
  16. [R28] Copilot 1/5 · US Expensive and doesn’t work: They deleted my last review, but for $95 a year the app should actually work 100% of the time. Accounts constantly need reconnection. Their ai support agent hallucinates and I haven’t been able to get in touch with a real person. I will be looking for alternatives.
  17. [R34] Copilot 1/5 · US Only get if you like it as-is: New “features” are developed at a snails pace. They also took away the ability to see and vote on what features we (users) want to see in the app. No way to see the status of bugs and feedback or updates on concerns is nonexistent. 95$ a year is way too expensive for an app that is not improving at all and wishes it is as great as Mint once was.
  18. [R41] Copilot 5/5 · US Excellent Feedback: This is a near perfect budgeting app. Worth the price point to pay for service. I’ve finally actually balanced a budget for myself with a few months data going forward I’m very proud of. Couldn’t do this by myself with all my excel spreadsheets. The one stop shop to check on my accounts is great too. Very fun to watch. And the Widget!!! To the see live how I’m doing on my spend
  19. [R62] Rocket Money 5/5 · US Rocket Money Worth Every Penny!: Rocket Money has really helped to organize our finances, see our spending clearly and take charge of how and when we spend our money! Alerts are extremely helpful! If you desire to take control of your money instead of having your money control you, then Rocket Money is a must have!! Absolutely love this app!! 5 stars is not enough!!
  20. [R82] Rocket Money 1/5 · US Useless App: Thought this was supposed to make it easier to view and cancel subscriptions. They want you to manually input every single subscription. Kinda defeats the purpose, no?
  21. [R92] Rocket Money 5/5 · US Liz T.: Rocket Money saved me hundreds. Removed unnecessary subscriptions.
  22. [R95] Rocket Money 5/5 · US Saves Me Money.: Saves me money!
  23. [R61] Rocket Money 1/5 · US Not worth the money: This app isn't nearly what it advertises. "Unwanted subscriptions" are any payments of the same cost that seem to occur on a near-monthly basis. It referred to my transferring money to a friend a couple times as a subscription, among other things as well as the cost of me frequenting my favorite smoothie place? Speaking of subscriptions, though Rocket Money advertises clearing
  24. [R36] Copilot 3/5 · US Not fully automatic: It’s OK. Just OK. I really miss MINT. Here I have to force connections every day to get the updated value and balance of my numbers. Not very convenient. Just decent enough to keep all your numbers in one place but have in mind it’s not really live sync with a lot of institutions. I’m considering not renewing it.

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store