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Updated July 2026 · real, multi-region App Store reviews
Head-to-head

Copilot vs NerdWallet

Copilot 4.8★ · Free + IAP 75
Winner Copilot
NerdWallet 4.8★ · Free to download 60

Copilot is better for dedicated budgeting and financial tracking with a polished interface, while NerdWallet is suitable for a free, broader financial overview despite recent feature removals and bugs.

Full reviews: Copilot · NerdWallet

Copilot offers a powerful, customizable budgeting and tracking experience, though it comes with a premium price and occasional syncing issues. NerdWallet, a free app, provides a general financial overview and educational content, but users report a decline in budgeting features and increased bugginess.

Head to head

Features edge: CopilotR8R9R12R14
Copilot Copilot is praised for its comprehensive financial tracking, budgeting, and goal-setting capabilities, including categorizing transactions across various accounts and providing a polished mobile experience R8R14R26. However, some users note missing features like transaction matching, export options for filtered searches, and credit card rewards management . There are also complaints about slow implementation of new features and a lack of support for certain brokerage accounts R12R9.
NerdWallet NerdWallet is valued for organizing finances, tracking net worth, and providing educational content and recommendations for financial products . However, many users report the removal of key budgeting features, such as the 50/30/20 rule, detailed cash flow tracking, and multi-month spending comparisons R61R67R72R78. Users also desire features like custom categories and widgets .
Ease of Use edge: CopilotR11R15R26R42
Copilot Copilot is generally considered intuitive and easy to set up, with a clean design and polished UI/UX R11R26. However, some users find the budgeting convoluted or the interface non-intuitive R42. Issues like having to manually create multiple transactions for certain accounts also detract from ease of use R15.
NerdWallet NerdWallet is described as easy to use for basic financial organization and quick setup . However, recent updates have led to a confusing user experience with features moving around and a lack of proper formatting for iPadOS . Users also complain about too much authentication during sign-in .
Reliability tieR3R4R5R10
Copilot Copilot users report frequent syncing issues, with accounts not updating, transactions missing, or being double-counted R3R5R10. The app also experiences crashes, especially after updates, making it inaccessible for some users R4. Over-reliance on Plaid for connections is cited as a source of instability .
NerdWallet NerdWallet also suffers from significant reliability issues, including frequent bugs, app crashes, and slow performance . Many users report problems with bank account connectivity, with accounts not linking or data being lost . There are also complaints about delayed updates for bank deposits .
Price/Value edge: CopilotR1R12R26R31
Copilot Copilot is a paid subscription app, with a reported price of $95/year R26R31. While some users find it well worth the price for its features and support R26, others feel it's too expensive given the persistent bugs, slow feature development, and syncing issues R1R12R31. Some users are annoyed that pricing tiers are only revealed after connecting accounts R1.
NerdWallet NerdWallet is free to download and use, which many users appreciate . However, some users feel the value has diminished due to the removal of key budgeting features and an increase in ads and promotional content for financial products R61R78. There's also a 'NerdWallet+' membership mentioned at $50/year, but its benefits are not clearly defined in the reviews .
Support edge: CopilotR10R13R20R31
Copilot Copilot's support receives mixed reviews. Some users praise it as responsive, prompt, and helpful, especially for bug resolution R20. However, others report slow responses, inability to solve problems, unprofessionalism, and difficulty reaching a real person, often encountering only chat bots R10R13R31. Accessing support can be impossible if the app crashes .
NerdWallet NerdWallet's support is not extensively discussed in the reviews, but there are complaints about an overly complicated account closure process involving automated chat bots . One user also mentioned ignored unsubscribe requests .
Pick Copilot if

You are looking for a dedicated, polished budgeting and financial tracking app for iOS, are willing to pay a premium price ($95/year), and prioritize a strong UI/UX for managing multiple accounts and setting financial goals R8R14R26.

Pick NerdWallet if

You need a free app for a general overview of your finances, net worth tracking, and access to financial education and product recommendations, even if it means dealing with ads and less granular budgeting features .

Evidence note: NerdWallet has significantly more reviews, which contributes to a broader range of feedback, including more recent negative sentiment regarding feature removals and bugs. Copilot's reviews, while fewer, consistently highlight its strengths in budgeting and design, alongside recurring technical issues.

Frequently asked

Does Copilot offer a free trial?
Reviews indicate that Copilot does not offer a free trial, requiring users to add accounts before revealing pricing tiers, which has frustrated some users R1.
Can NerdWallet help with budgeting?
NerdWallet previously offered budgeting features like the 50/30/20 rule and spending comparisons, but many users report these granular budgeting tools have been removed or diminished in recent updates R61R67R72R78.
What are the main issues with Copilot's account connections?
Copilot users frequently report syncing issues, accounts not updating, missing or double-counted transactions, and difficulties connecting to specific institutions like Robinhood or Fidelity, often attributing these problems to its reliance on Plaid services R3R5R7R10.

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. [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.
  4. [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.
  5. [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.
  6. [R15] Copilot 3/5 · US So Close To Being Really Good: I really wanted to use Copilot and tried to make it work, but there were too many little annoyances that finally made me give up.  One of them was having to manually create two transactions for things like my car payment. For whatever reason, Plaid couldn’t connect to my car loan account, so I had to manually add it. The rigamarole of having to create manual trans
  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. [R4] Copilot 1/5 · US This app did not work well: I was able to login one time and never able to login again and have not been able to delete from my information from this app
  11. [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
  12. [R10] 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
  13. [R1] Copilot 1/5 · US It’s a trap: So, it makes you add all your accounts, including giving them access to your account NUMBERS, and THEN they offer the pricing tiers. So annoyed I wasted the time to set it up. Show the prices first. Or offer some sort of free option to try it out. Account deleted. 👋
  14. [R31] 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.
  15. [R13] 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.
  16. [R20] Copilot 5/5 · US Great app: Responsive app support after resolving a bug.
  17. [R61] NerdWallet 1/5 · US Terrible update: Removed the only reason I downloaded this app. For a budgeting option. And then put in some garbage news stories and investment tab nobody asked for. Edit: nice they added it back, too bad I moved on to rocket money
  18. [R67] NerdWallet 2/5 · US New budget layout is bad: I hate the new budget layout - so much so that I am going to look for another app or go back to manual tracking. I need to be able to zoom out across multiple months and years and see how my earning and spending trends across multiple periods with different granularity. Now I can only see spend for each month or YTD and it completely removed the income view.
  19. [R72] NerdWallet 3/5 · US Bring back 50/30/20: I’ve used several competitors before but what kept me with NW was the 50/30/20 rule and their simple UI - everything I needed in one neat spot. The 50/30/20 budgeting feature single-handedly kept me as a customer. I saw GREAT improvements using this. I’ve given these new versions some time but nothing compares to the old Nerd Wallet. Very disappointed and looking for alternati
  20. [R78] NerdWallet 3/5 · US Less useful: It’s never had a lot of functionality in terms of budgeting but it’s become even less useful over time. Like they actively took out the more granular budgeting features and replaced with over broad charts not good for much. mostly good for passively tracking your accounts for issues. Looking for a new way to handle my budgeting
  21. [R7] Copilot 1/5 · US Unable to connect to Robinhood: Can’t connect to Robinhood after update

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