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

Copilot vs EveryDollar

Copilot 4.8★ · Free + IAP 65
Winner EveryDollar
EveryDollar 4.7★ · Free + IAP 70

EveryDollar is better for those committed to a zero-based budgeting philosophy, especially if following the Ramsey plan, while Copilot offers a more modern, polished tracking experience for users prioritizing design and investment account integration.

Full reviews: Copilot · EveryDollar

EveryDollar excels as a budgeting tool, particularly for zero-based budgeting and debt reduction, despite recent app stability and feature issues. Copilot offers a visually appealing interface and strong transaction tracking, but is hampered by frequent syncing problems and a high price point for its current feature set.

Head to head

Features & Budgeting Philosophy edge: EveryDollarR5R8R9R14
Copilot Copilot is praised as a comprehensive personal finance tracker, making it easy to see transactions across various accounts, categorize them, and set budgets R8R14R26. Users appreciate its ability to track expenses and help with goal setting and planning R14. However, some users note it's more of a money tracking and forecasting app rather than a strict zero-based budgeter R5. There are also complaints about missing basic features like exporting filtered searches by date , categorizing manual entries , and transaction matching . Investment account tracking is a mixed bag, with some finding it useful R8 but others noting it doesn't track expenses out of brokerage accounts or has issues with cash sweep accounts being double-booked R9.
EveryDollar EveryDollar is highly effective for zero-based budgeting and debt reduction, with many users crediting it for helping them pay off significant debt and achieve financial goals . It's described as a 'game changer' for understanding spending habits and setting boundaries . Users appreciate the ease of inputting transactions and seeing where money goes . However, some users find its budgeting calculations confusing, especially regarding savings not reducing the remaining budget R61. There are also requests for features like a simple monthly income vs. expense summary , better split transaction functionality , and a built-in reconciling feature .
Ease of Use & Interface edge: CopilotR5R11R12R24
Copilot Copilot is praised for its intuitive setup, clean design, and polished native iOS app experience R5R11R26. Users find it easy to use and navigate . However, some users find the interface non-intuitive and focused more on aesthetics than function, describing the budgeting as convoluted . There are also complaints about slow updates for bug fixes and new features, leading to a feeling that development has stalled R12R24R37.
EveryDollar EveryDollar is generally considered easy to use, with many users finding it quick and simple to input transactions . The app's design helps users stay on budget and track expenses effectively . However, recent updates have introduced issues, such as difficulty reordering budgets while seeing balances , a less user-friendly experience , and a less streamlined process for quick expense input . Some users also report that the app runs slowly despite its simple design and that the interface has become bigger and harder to see .
Reliability & Syncing tieR3R5R7R10
Copilot Copilot users frequently report significant syncing issues, with accounts not updating, transactions not showing, or being double-counted R3R5R10. The app's heavy reliance on Plaid is a major point of concern, leading to connection problems with banks and investment accounts like Robinhood and Fidelity R7R13R21. Some users experience frequent disconnections and the need to manually force connections daily R31. Recent updates have caused severe stability issues, with the app crashing on opening for many users R25R34R43.
EveryDollar EveryDollar also faces significant reliability and syncing problems, particularly since switching to Plaid . Users report transactions appearing days late, duplicate transactions, and accounts frequently disconnecting or not being supported . The app's recent updates have been particularly problematic, causing crashes, data loss, and issues with budget changes not saving . Some users also report being unable to force updates to pull in new charges .
Price & Value tieR1R12R26R31
Copilot Copilot is considered a premium-priced app, costing $95/year R26R31R37. Many users feel this price is too high given the persistent syncing issues, slow feature development, and lack of essential functionalities R12R31R37. Some users question the value if they can't connect all their institutions or if the app is unreliable . However, satisfied users find it well worth the price for its comprehensive tracking and ease of use R26.
EveryDollar EveryDollar offers both a free and paid (premium) version R61. The free version requires manual transaction entry, which some users prefer for building budgeting habits . However, the app frequently nags users to upgrade to premium . Many users are frustrated that essential features like bank syncing are locked behind the paid tier . The cost of the premium version is not explicitly stated in most reviews, but users who pay for it find it valuable for achieving debt freedom and financial goals . There are complaints about being forced to pay or subscribe after setting up an account R1.
Customer Support edge: CopilotR10R13R20R31
Copilot Copilot's customer support receives mixed reviews. Some users praise it as responsive, prompt, and helpful, especially with bug resolution R20. However, many users report slow responses, inability to solve problems, and a reliance on chat-only support with AI agents that can 'hallucinate' R10R13R31. Accessing support becomes impossible when the app itself crashes R34R43.
EveryDollar EveryDollar's customer support is generally criticized. Users report that support blames banks for syncing issues and suggests switching banks . Responses from the help desk are often described as slow and unhelpful . Users also complain about encountering bots and difficulty getting real assistance . Some users were unable to get refunds despite significant app issues .
Pick Copilot if

you prioritize a clean, modern UI and strong transaction tracking for a holistic view of your finances, are willing to pay a premium price, and can tolerate occasional syncing glitches R5R11R26.

Pick EveryDollar if

you are committed to a zero-based budgeting method, especially if following the Ramsey financial plan, and value an app that helps you actively manage debt and achieve financial goals .

Evidence note: Both apps have a high number of recent negative reviews, particularly regarding syncing issues and app stability, which contrasts with their higher lifetime ratings. EveryDollar's free tier introduces friction for non-paying users, as expected.

Frequently asked

What are the main pricing models for Copilot and EveryDollar?
Copilot is a paid-only app, costing $95 per year, which some users find expensive for its current features R26R31R37. EveryDollar offers both a free version, which requires manual transaction entry, and a paid (premium) version for automatic bank syncing, with users frequently nagged to upgrade R61.
Do Copilot and EveryDollar have issues connecting to banks?
Yes, both Copilot and EveryDollar frequently experience issues connecting to banks and other financial institutions, with many users reporting problems like accounts not updating, transactions not showing, or duplicate entries, often attributed to their reliance on Plaid R3R10R21R31.
Are there recent stability problems with either app?
Yes, both apps have recent stability problems; Copilot users report the app crashing on opening after updates R25R34R43R49, and EveryDollar users cite recent updates causing crashes, data loss, and budget changes not saving correctly .

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. [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
  2. [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
  3. [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
  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. [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.
  7. [R24] Copilot 3/5 · US Pretty App, Slow Updates: It's a truly beautiful app, but they take forever to release bug fixes and new features. The Goals feature does not work. It displays an inaccurate history of my Goal progress and it marks incomplete Goals as complete. The information on the User Guide does not match what actually appears in the app. I have submitted this feedback for months but nothing has been done. S
  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. [R7] Copilot 1/5 · US Unable to connect to Robinhood: Can’t connect to Robinhood after update
  10. [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
  11. [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. 👋
  12. [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
  13. [R31] Copilot 1/5 · US Expensive and doesn’t work: They deleted my last review, but for $95 a year the app should actually work 100% of the time. Accounts constantly need reconnection. Their ai support agent hallucinates and I haven’t been able to get in touch with a real person. I will be looking for alternatives.
  14. [R13] Copilot 1/5 · US Seeing bugs but no solutions for a long time: The app has terrible issues where my reviewed transactions are lost and having trouble connecting to Fidelity. The customer service team is unprofessional and providing no support or remedition.
  15. [R20] Copilot 5/5 · US Great app: Responsive app support after resolving a bug.
  16. [R37] Copilot 1/5 · US Only get if you like it as-is: New “features” are developed at a snails pace. They also took away the ability to see and vote on what features we (users) want to see in the app. No way to see the status of bugs and feedback or updates on concerns is nonexistent. 95$ 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.
  17. [R61] EveryDollar 1/5 · US Math ain’t mathing: I have the free version but even the basics don’t work right. You would think that putting money into savings would remove it from your remaining amount to spend. But it doesn’t. For example if I say I’m budgeting 1,000 this month. And I put 100 in savings. It should say I have 900 left to spend. But it still says 1000 in my remaining budget. I hate having to do brain gymnastic
  18. [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
  19. [R25] Copilot 1/5 · US Crashes on opening: Used to work okay but now I can’t even open it.
  20. [R34] Copilot 1/5 · US Latest update crashes: Don’t download the latest update, the app now crashes on opening. No way to contact support besides the in-app chat… which is inaccessible when the app won’t load
  21. [R43] Copilot 1/5 · US DO NOT DOWNLOAD/ UPDATE LATEST RELEASE: The latest release of this app is broken as of 06-11-2026. I am trying to open the app after I updated it yesterday, and I am staring at a blank screen with a blue logo in the middle. Tried deleting and reinstalling it, same thing. There is no way to reach customer support for this app. Wish I had moved to Monarch instead of paying the heavy subscription and
  22. [R49] Copilot 2/5 · US App start crashing on both iphone and macos as of 6-10-2026: As title please fox asap

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