Copilot Money is a polished spending tracker for Apple users. IOMI answers a different question: not where the money went, but what your whole wealth — business included — should do next. Any device, from $29/mo.
Copilot Money is a polished personal finance app for the Apple ecosystem. Its auto-categorization is genuinely good — around 93% — and if your financial life is one person, one set of cards and a monthly budget, it is a pleasant place to live.
It is single-user and Apple-only by design: no household, no business entities, no score telling you where the next dollar should go. It is a spending tracker, not a wealth operating system.
The comparison
| IOMI | Copilot Money | |
|---|---|---|
| Price | $29/mo Personal · $39/mo Business — annual billing brings Personal to about $24/mo | $13/mo or $95/yr |
| Business + personal entities | Native and unified, up to 3 business entities | Not supported — single user, no household, no business entities |
| Intelligence layer | Capital Efficiency Score, Next Dollar Allocation, Goals, Simulator | None — a spending tracker, not a wealth OS |
| AI on your live data | Chat grounded in your live balance sheet | AI auto-categorization (~93%) |
| Asset coverage | Bank accounts, investments, crypto, real estate with live valuations, private equity, collectibles, vehicles, liabilities | Net worth, budgeting, investment tracking |
| Institutions | 12,000+ institutions via Plaid, read-only | 10,000+ US institutions |
| Platforms | Web app — responsive on mobile | Apple only (iOS, Mac) |
| Free trial | 1 month free | 1 month |
Copilot Money pricing and features as published by the vendor, August 2026.
Why IOMI
- Business + personal, unified. Copilot Money does not support business entities or a second person at all. IOMI runs your personal wealth and up to 3 business entities side by side, never mixed, from $39/mo.
- Intelligence, not tracking. Copilot categorizes what already happened. IOMI scores how your capital is allocated (the Capital Efficiency Score), ranks where the next dollar should go, and lets you simulate a move before committing to it.
- AI grounded in live data. Copilot’s AI labels transactions. The IOMI chat answers questions about your entire balance sheet, from live connected numbers.
Keep comparing
IOMI vs Monarch Money
Monarch is a well-built budgeting app. The gap opens when your finances stop being a budget and become a balance sheet.
Read the comparison → ComparisonIOMI vs Kubera
Kubera tracks nearly everything — and stops there. Tracking tells you what you have, never what to do next.
Read the comparison → CompareWhy IOMI
The full picture: vs a general AI with connected accounts, vs the trackers, and vs the spreadsheet — in one page.
Read Why IOMI →