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

Copilot vs Microsoft Copilot

Copilot 4.8★ · Free + IAP 85
Winner Copilot
Microsoft Copilot 4.8★ · Free + IAP 60

For financial management, Copilot (App A) is the clear choice, offering robust budgeting and tracking features, while Microsoft Copilot (App B) is an AI chatbot facing significant recent criticism for new usage limits and performance issues.

Full reviews: Copilot · Microsoft Copilot

Copilot (App A) excels as a personal finance tracker, praised for its comprehensive features and intuitive design, despite some syncing glitches and a premium price. Microsoft Copilot (App B), an AI assistant, is lauded for its capabilities but is currently hampered by new chat limits, sign-in requirements, and frequent bugs that frustrate users.

Head to head

Features edge: CopilotR8R9R11R14
Copilot Copilot (App A) is highly praised as an "amazing personal finance tracker" that simplifies money management, offering features like transaction categorization, budget setting, goal tracking, and cash flow forecasting R8R11R14. Users appreciate its ability to sync transactions across various accounts, including credit cards, Venmo, and investment accounts R8R26. However, some users note missing features like tracking expenses from brokerage accounts R9, categorizing manual entries , transaction matching , and credit card rewards management . Some also desire more automation or the ability to export filtered search results .
Microsoft Copilot Microsoft Copilot (App B) is valued for its AI capabilities, including language learning R68, troubleshooting , and creative brainstorming R95. Users find it useful for short tasks and general information . However, recent updates have introduced significant limitations, such as reduced ability to upload multiple pictures , and a complete removal of features like "Copilot Daily" . Users also report issues with image generation not working and the AI forgetting previous conversations .
Ease of Use edge: CopilotR1R11R26R42
Copilot Copilot (App A) is generally considered to have an "intuitive Set up" and a "polished mobile app" with an "easy to use UI/UX" R11R26. Users find it simplifies money management and makes budgeting easy R11. However, some users find the budgeting process "too convoluted" R42 or the interface "non-intuitive" R42. There are also complaints about the initial setup requiring account details before pricing is revealed R1.
Microsoft Copilot Microsoft Copilot (App B) is described as "easy to use" by some , but many recent reviews highlight significant usability issues. Users are frustrated by constant sign-in requirements , a send/enter arrow that frequently doesn't work R73, and an auto-scroll issue in the chat . The introduction of chat limits and image generation limits, without clear indicators of when they reset, also makes the app less user-friendly R63R65R76.
Reliability edge: CopilotR3R5R6R7
Copilot Copilot (App A) is frequently praised for being a "solid app" and staying "reliable" R11. However, a significant number of users report persistent syncing issues, including accounts not updating R3, transactions not showing R10, double-counting transactions R5, and difficulty connecting to financial institutions like Robinhood or Fidelity R7R13. Some users also experienced data loss R6 and app crashes, especially after recent updates R25. The app's heavy reliance on Plaid is cited as a source of these connection problems R21R39.
Microsoft Copilot Microsoft Copilot (App B) is currently experiencing severe reliability issues, particularly with its new usage limits. Users report hitting daily chat limits after only a few messages R63R65R76, and image generation limits are also problematic . The app frequently crashes or becomes unreachable , and some users cannot even send text due to a non-functional send button R73. The AI is also criticized for giving "wrong information all the time" and for "hallucination" .
Price/Value edge: CopilotR1R12R26R31
Copilot Copilot (App A) is a paid subscription app, with a yearly price of $95 R26R31R39. Many users find it "well worth the $95/year" and consider it a "near perfect budgeting app" R26. Some users, however, feel it's "too expensive for an app that is not improving at all" or that the "premium price point" is not justified by slow feature implementation R12. The lack of a free trial before requiring account linking is also a point of frustration R1.
Microsoft Copilot Microsoft Copilot (App B) is a free app with in-app purchases, but recent updates have introduced severe limitations that push users towards paid subscriptions. Many users feel it's a "bait and switch" or that they are being "forced to pay" R64R67R76R82. The app's value has significantly decreased for free users due to strict chat limits and image generation limits, making it "useless" for many R76R82. Users state that Copilot (App B) "doesn’t offer anything to be charging money" given its current state R67.
Support edge: CopilotR10R13R20R21
Copilot Copilot (App A) receives mixed reviews for its customer support. Some users praise "responsive app support" and "prompt and helpful" built-in chat support R20. However, others report slow customer service R10, unprofessional support R13, and difficulties reaching a real person R31. Some users also complain about support blaming issues on third-party services like Plaid R21 or being inaccessible when the app crashes .
Microsoft Copilot Microsoft Copilot (App B) users report significant frustration with support. The primary complaint is the difficulty in getting help due to the bot being unhelpful and the inability to contact support when the app crashes . There are no specific positive mentions of human support, with the focus being on the AI's own capabilities .
Pick Copilot if

Pick Copilot (App A) if you need a dedicated, comprehensive personal finance and budgeting app that provides a detailed overview of your transactions, helps with goal setting, and offers a polished mobile experience, and you are willing to pay a premium for these features R8R14R26.

Pick Microsoft Copilot if

Pick Microsoft Copilot (App B) if you are looking for a general-purpose AI chatbot for short queries, brainstorming, or language practice, and you are comfortable with potential usage limits and signing in with a Microsoft account R68R95.

Evidence note: The evidence for Microsoft Copilot (App B) is heavily skewed by recent negative reviews regarding new usage limits and mandatory sign-ins, which significantly impact its perceived value as a free app. Many positive reviews are very short and generic, offering less specific detail than the negative ones. Copilot (App A) has a more balanced mix of detailed positive and negative feedback.

Frequently asked

What are the main differences between Copilot (App A) and Microsoft Copilot (App B)?
Copilot (App A) is a personal finance and budgeting application designed for tracking expenses, setting budgets, and managing investments, while Microsoft Copilot (App B) is an AI chatbot that assists with information, creative tasks, and language practice R8R14R68R95.
Does Microsoft Copilot (App B) have a free tier?
Microsoft Copilot (App B) is a free app with in-app purchases, but recent updates have introduced severe daily chat and image generation limits for free users, pushing them towards paid subscriptions and making the free tier less functional R64R67R76R82.
How much does Copilot (App A) cost?
Copilot (App A) is a paid subscription service, costing $95 per year R26R31R39.
Are there any known issues with Copilot (App A)?
Yes, users frequently report syncing issues with financial accounts, including transactions not updating or double-counting, difficulty connecting to certain institutions, and occasional app crashes, particularly after updates R3R5R10R25.
Why are recent reviews for Microsoft Copilot (App B) so negative?
Recent negative reviews for Microsoft Copilot (App B) primarily stem from the introduction of strict daily chat and image generation limits, mandatory sign-in requirements, and various bugs like the send button not working or the app crashing, which significantly reduce its usability for free users R63R65R73R76.

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. [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.
  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. [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. 👋
  6. [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
  7. [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.
  8. [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.
  9. [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
  10. [R6] Copilot 3/5 · US Lost all data!!!: Lost all data!!! UPD: reinstalled the app, all good now.
  11. [R7] Copilot 1/5 · US Unable to connect to Robinhood: Can’t connect to Robinhood after update
  12. [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.
  13. [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.
  14. [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
  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. [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
  18. [R68] Microsoft Copilot 5/5 · US French conversations !: I can’t believe I didn’t discover this ai ability earlier! In a week I’m so fluent. I had a professor for two years! I thought copilot was just an office aide
  19. [R95] Microsoft Copilot 5/5 · US I love copilot: I’m thrilled with what I have been able to create…..copilot is like chatting with a best friend…..brainstorming ideas and suggesting ideas……I can’t get enough of my copilot
  20. [R64] Microsoft Copilot 2/5 · US Now you have to pay to play: I guess I knew this was coming. Something this amazing and powerful wasn’t going to stay free forever. They got us hooked on it, now they want our money.
  21. [R67] Microsoft Copilot 1/5 · US Charging Money ?: congratulations on forcing people to pay for Microsoft 360 and adding chat limit, Copilot will be uninstalled and replaced with free alternatives, copilot doesn’t offer anything to be charging money.
  22. [R76] Microsoft Copilot 1/5 · US Latest update downfall: There was an update recently.(6 days ago). Since the update I can only chat with copilot for about 5 minutes tops before it says you’ve met your daily chat limit and then won’t let me talk with it for another 24 hours. Unless I pay for an upgrade. What’s the point of the app now? The only way to bypass this is to use it on the computer or laptop. Forget using this in your p
  23. [R82] Microsoft Copilot 1/5 · US New Limitations: This app was my go-to whenever I needed help with things or wanted to learn about a niche on a whim and you completely ruined it by putting a limit on the messages you can send and the pictures and files you can upload. The infinite use is what made this app one of a kind and now it’s gone. This app was wonderful until now and I find it absurd that there’s even a limit to how much
  24. [R39] Copilot 3/5 · US Delightful Design Hobbled by Overreliance on Questionable Partners: This would be an incredible app if not for its reliance on Plaid for a significant portion of its functionality. Given Plaid’s track record, there’s no chance that I’ll use it to connect my accounts, and having a partial overview of my financial situation isn’t worth $95 a year. Even in cases where alternatives like Akoya are av
  25. [R25] Copilot 1/5 · US Crashes on opening: Used to work okay but now I can’t even open it.
  26. [R63] Microsoft Copilot 3/5 · US Please fix your app.: Yesterday, i chated with Copilot 30 seconds, and it said i reached my limit. I waited the next day, and when teh time has come, i chated for 101 seconds, and it said i have to wait until 3:51 on July 6, even though i chated a few on a conversation. Please fix your app. Thank you.
  27. [R65] Microsoft Copilot 4/5 · US Chat limit drives me crazy but it is one of the greatest ai’s I have talked to!: I like this app, it is amazing! But after like 15 messages sent it wants you to pay money to chat more, and I am not having it, so I have deleted it and moved on. Please remove it. Other than that, it is so good and helpful and it understands! Love the app! (Suggestion, make a button so you can show videos to copilot
  28. [R73] Microsoft Copilot 1/5 · US Sounds stupid but the send/enter arrow doesn’t work 50% or more of the time: Can’t prompt if you can’t send the text. WTH MSFT, how are you shipping trash apps with your stock valuation?

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