Money Tree
Money Tree vs Copilot Money
Copilot Money is a polished paid app for Apple devices with strong investment tracking. Money Tree starts with a 7-day trial and is centred on Safe to Spend, goals and daily habits.
Last reviewed
At a glance
| Feature | Money Tree | Copilot Money |
|---|---|---|
| Price | A 7-day trial, then Plus as a monthly or yearly subscription; the store shows the price in your currency. | USD 13 a month or USD 95 a year, one plan with every feature. |
| Plans and trial | No. Every account starts with a 7-day trial of everything, then Plus is a subscription. | No free plan. A one-month free trial, and a demo you can try before connecting accounts. |
| Bank connections | Automatic, read-only sync through secure bank data providers. Connect as many banks as you like. | Automatic sync with more than 10,000 US institutions, mostly through Plaid, with Mastercard, MX and Akoya for some others, plus direct integrations such as Apple Card and Coinbase. |
| Platforms | iPhone, Mac and Android, from the App Store and Google Play. | iPhone, iPad, Mac and web. No Android app. |
| Budgeting style | Safe to Spend for today, category budgets with suggested limits, savings goals and a pay-period planner. | Category budgets with rollovers and automatic categorisation. |
| Where it works | Wherever its bank data providers cover your bank. The app shows the regions it supports when you connect. | US financial institutions only. |
Where Copilot Money is stronger
- A native Mac app as well as iPhone, iPad and web.
- Investment and net worth tracking, including asset allocation.
- Automatic categorisation and subscription detection.
- A one-month trial and a demo before you connect anything.
Where Money Tree is different
- An Android app as well as iPhone and Mac.
- Safe to Spend gives you one number for what you can spend today.
- A pay-period planner that sets your income against budgets and upcoming bills.
- Daily streaks, XP, coins and private leaderboards with friends make checking in a habit.
Which should you choose?
Choose Copilot Money if you use a Mac or iPad, want investment tracking alongside budgets, and bank with US institutions.
Choose Money Tree if you want a 7-day trial and a habit built on Safe to Spend, streaks and goals.
Looking for a Copilot Money alternative? See what switching involves.
Questions
How does Money Tree's price compare with Copilot Money?
Money Tree has a 7-day trial of everything, with nothing held back. Copilot Money: No free plan. A one-month free trial, and a demo you can try before connecting accounts.
Does Copilot Money connect to my bank?
Automatic sync with more than 10,000 US institutions, mostly through Plaid, with Mastercard, MX and Akoya for some others, plus direct integrations such as Apple Card and Coinbase. Money Tree: Automatic, read-only sync through secure bank data providers. Connect as many banks as you like.
Which apps can I use Copilot Money on?
iPhone, iPad, Mac and web. No Android app. Money Tree: iPhone, Mac and Android, from the App Store and Google Play.
Sources
Checked on 6 October 2026. Prices and features change; check each provider before you decide.
- https://copilot.money/pricing/ (USD 95 a year, one-month trial, demo, iPhone, iPad, Mac and web)
- https://apps.apple.com/us/app/copilot-track-budget-money/id1447330651 (USD 13 a month and USD 95 a year in-app prices)
- https://www.copilot.money/faq (no Android app, US institutions only, more than 10,000 institutions)
- https://help.copilot.money/en/articles/10768078-how-do-you-get-my-financial-data (Plaid, Mastercard, MX, Akoya and direct integrations)
- https://apps.apple.com/app/id6794328903 (Money Tree features, Plus and the 7-day trial)
Copilot Money is a trademark of its owner. Money Tree is not affiliated with or endorsed by Copilot Money. This page compares publicly available information and is not financial advice.