// vs · Copilot Money
Copilot vs MoneySmith — beautiful aggregator vs strategic blueprint
Copilot Money is a category-leading premium aggregator with best-in-class iOS UX, AI auto-categorization, and investment tracking — the obvious post-Mint home for a lot of shoppers, at roughly $13/mo or $95/yr. MoneySmith ships a personalized blueprint PDF and an AI wealth coach in about 5 minutes. Different shape. Different price. Different ideal customer.
// at a glance
| Copilot Money | MoneySmith | |
|---|---|---|
| Core method | Bank-aggregator dashboard with AI auto-categorization | Personalized blueprint with ROI-prioritized actions |
| Time-to-first-value | Hours — connect accounts, wait for sync, train categorization | About 5 minutes from quiz to PDF |
| Quiz-based onboarding | No — onboarding is account linking and category training | Yes — every plan starts with the 60-second quiz |
| ROI-prioritized actions | Spend dashboards and trends, not ranked life-actions | Each blueprint sorts moves by expected payoff |
| AI coach | AI auto-categorization and insights — not a coach you can ask questions of | Always-on AI coach grounded in your blueprint (Compass / Atlas) |
| PDF deliverable | In-app reports; no flagship PDF | Printable blueprint PDF, yours forever |
| Bank sync + investments | Plaid-based bank sync, brokerage + crypto aggregation across many institutions | Manual inputs via the quiz — no bank connection required |
| Platforms | iOS-first (native iPhone, iPad, Mac); web client in expansion (see copilot.money) | Web — works in every modern browser |
| Pricing | Varies — see copilot.money (publicly listed around $13/mo or $95/yr at time of writing; promo codes occasionally offer extended trials) | $19 one-time blueprint, then optional $49 / $129 / $249 per month (Spark / Compass / Atlas) |
| Trial / money-back | Free trial period via promo code (see copilot.money); refund terms vary — see their site | 7-day money-back, no questions — email support@moneysmith.one |
Cells about Copilot reflect public information from copilot.money and may change. We update this page when we notice drift — if you spot something stale, email support@moneysmith.one.
// when Copilot is the better choice
You want a beautiful daily-spend tracker on iOS.
- You live on iOS and want a native app that opens in two taps.
- You want every account aggregated — checking, credit, brokerage, crypto — in one place.
- AI-categorized spend trends are how you stay on top of money.
- You're happy committing $13/mo (or $95/yr) for a tool you open most days.
// when MoneySmith is the better choice
You want a one-time blueprint, not a daily aggregator.
- You already know roughly where your money goes — you want to know which moves to make first.
- You want an AI coach for ad-hoc decisions (raise asks, debt payoff order, side-income picks) at 3am.
- You don't want to link bank accounts or wait days for AI categorization to settle.
- You'd rather pay $19 once for the blueprint and decide whether the coach is worth a tier after you see it.
// MoneySmith pricing
Your money coach. Available 24/7.
One-time blueprints work. But money decisions happen every week. Your AI coach knows your blueprint, holds you accountable, and answers questions when they matter.
Spark
Start your wealth coaching journey
Billed every 3 months · $129/qtr
- Money Compass blueprint PDF
- AI wealth coach chat (24/7)
- Monthly mindset check-in email
- Cancel anytime
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Compass
Most popular — full guidance system
Billed every 3 months · $342/qtr
- Everything in Spark
- Full Signal Map access ($99 value)
- Weekly accountability check-ins
- Spending pattern reviews
- Priority chat response
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Atlas
Premium — for people who want a real coach
Billed every 3 months · $657/qtr
- Everything in Compass
- Monthly 1-on-1 Loom feedback from Graham
- Custom asset allocation review
- Direct text/email access
- Quarterly wealth strategy session
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7-day money-back guarantee on your first month. No contracts, no auto-bumps, cancel from your dashboard with one click.
Want to see what the blueprint PDF looks like first? See a sample blueprint →
Spark vs Compass vs Atlas
Every coaching feature, side by side. No fine print.
| Feature | Spark | Compass | Atlas |
|---|---|---|---|
| Money Compass blueprint PDF | |||
| AI wealth coach chat (24/7) | |||
| Mindset check-ins | Monthly | Weekly | Weekly + 1:1 |
| Full Signal Map access | $99 value | $99 value | |
| Spending pattern reviews | |||
| Priority chat response | |||
| Monthly 1-on-1 Loom from Graham | |||
| Custom asset allocation review | |||
| Direct text/email access | |||
| Quarterly wealth strategy session |
- Money Compass blueprint PDF
- AI wealth coach chat (24/7)
- Mindset check-insMonthly
- Full Signal Map access
- Spending pattern reviews
- Priority chat response
- Monthly 1-on-1 Loom from Graham
- Custom asset allocation review
- Direct text/email access
- Quarterly wealth strategy session
- Money Compass blueprint PDF
- AI wealth coach chat (24/7)
- Mindset check-insWeekly
- Full Signal Map access$99 value
- Spending pattern reviews
- Priority chat response
- Monthly 1-on-1 Loom from Graham
- Custom asset allocation review
- Direct text/email access
- Quarterly wealth strategy session
- Money Compass blueprint PDF
- AI wealth coach chat (24/7)
- Mindset check-insWeekly + 1:1
- Full Signal Map access$99 value
- Spending pattern reviews
- Priority chat response
- Monthly 1-on-1 Loom from Graham
- Custom asset allocation review
- Direct text/email access
- Quarterly wealth strategy session
// questions a comparison shopper asks
Are you affiliated with Copilot Money?
Will I get a refund if I don't like MoneySmith?
Can I use both?
Is MoneySmith a financial advisor?
Coach vs app — what's the difference?
// try the blueprint first
Take the 60-second quiz.
See your blueprint free. Decide on a paid tier after — or never. The PDF is yours either way.
See my blueprint →