Stoke Money vs Copilot Money
Copilot Money is widely regarded as the best-designed budgeting app on Apple platforms, with standout machine-learning categorization that learns from your corrections. It's $95/yr (or $13/mo), runs on iPhone, iPad, and Mac, and shipped a web app in December 2025. There's still no Android app.
Copilot's forecasting is scoped to the current month: it projects whether you'll stay within this month's budgets and flags at-risk categories. It doesn't project account balances forward, and there's no what-if planning.
Side by side
| Stoke Money | Copilot Money | |
|---|---|---|
| Price | $9/mo or $60/yr | $13/mo or $95/yr |
| Free option | YesManual entry, no bank sync | No |
| Balance forecasting | YesDaily balance forecast for every account, up to a year ahead | NoIn-month budget outlook only |
| Recurring detection | YesDetected automatically from your transaction history | Yes |
| Credit-card payment forecasting | YesStatement balance, minimum, or fixed — on the due date | No |
| What-if planning | YesPlans layered onto the forecast | No |
| Budgeting | No | YesMonthly budgets with rollover |
| Bank sync | Plaid (US banks) | Plaid and Finicity — US-centric coverage |
| Multi-currency | YesAccounts in any currency; automatic conversion coming soon | NoUSD-first |
| Investments | NoBalances only | YesStocks, funds, crypto, performance views |
| Apple Card | NoNot reachable through Plaid | YesVia Apple's FinanceKit |
| Home value tracking | No | YesAutomatic via Zillow |
| Mobile apps | NoResponsive web app | YesiPhone, iPad, Mac, and web — no Android |
| Export / API | No | YesCSV export; no public API |
Comparison last verified June 2026. Copilot Money's pricing and features change — check their site for current details. Spot an inaccuracy? Tell us at feedback@stoke.money and we'll fix it.
Where Copilot Money is better
- Apple Design Award–finalist design
- Per-user ML categorization that gets very accurate after a few weeks of corrections
- Apple Card sync via FinanceKit — an account Plaid-based apps can't reach
- Home value tracked automatically via Zillow
- Amazon integration that itemizes orders against transactions
- Investment tracking with performance and allocation views
- Polished native apps for iPhone, iPad, and Mac, plus a web app
Where Stoke is better
- Costs $60/yr to Copilot's $95/yr
- Daily account balance forecasting, which Copilot doesn't offer
- Credit-card payments forecast by statement cycle
- What-if plans layered on the forecast
Which should you pick?
Pick Copilot if you live on Apple devices, budget monthly, and want the most polished spending-review experience available — especially if you carry an Apple Card.
Pick Stoke if balance forecasting is what you're after.