Stoke Money vs Copilot Money

Copilot Money is a budgeting app for Apple platforms, with machine-learning categorization that learns from your corrections.

Copilot forecasts one thing: whether you'll stay inside this month's budgets. Stoke forecasts your balance, every account, day by day, from the paychecks, bills, transfers, and card cycles it finds in your history. You see the day money gets tight before it arrives, and there's no budget to keep.

Side by side

 Stoke MoneyCopilot Money
Price
From $9/moFrom $60/yr
$13/mo$95/yr
Free option
YesManual entry only
No
Balance forecasting
Yes
No
Recurring detection
Yes
Yes
True cash flow forecasting
YesCash flow modeled on credit card and loan payments, not charges
No
Budgeting
NoBy design. Spending forecasted instead.
Yes
Bank sync
  • Yes: Plaid
US and Canada
  • Yes: Plaid
  • Yes: Finicity
US
Multi-currency
  • Yes: Accounts in any currency
  • No: Conversion to one currency
  • No: Accounts in any currency
  • No: Conversion to one currency
Investments
  • Yes: Balances
  • No: Holdings
  • No: Performance
  • Yes: Balances
  • Yes: Holdings
  • Yes: Performance
Apple Card
No
Yes
Home value tracking
No
Yes
Mobile apps
No
YesiOS, iPadOS, and macOS
AI agent
YesMCP, read and write. Pro only.
YesBuilt-in, read and write. Beta.
Export / API
  • No: Export as CSV
  • No: API
  • Yes: Download via AI agent (MCP)
Pro only
  • Yes: Export as CSV
  • No: API
  • Yes: Download via AI agent (MCP)
Beta, read-only

Verified September 2026. Corrections: feedback@stoke.money