Net Worth
$385KTop 42%PeakWorth
$4.2M+$182KNet Worth
$385KTop 42%PeakWorth
$4.2M+$182KFI Age
50y 1m-11moCopilot is arguably the best-designed budgeting app on the market. PeakWorth handles the lifetime planning layer Copilot doesn't try to.
Copilot price
$95/yr or $13/mo
Copilot strength
Polished UI + categorization
PeakWorth strength
FI Age + lifetime projection
Platform
Copilot iOS/Mac only
Copilot Money built its reputation on UI polish and a smart categorization engine that learns aggressively. For day-to-day transaction tracking on Apple devices, it's hard to beat. The investment view, recurring bills detection, and visual reports are genuinely best-in-class.
Copilot is iOS/Mac only — no web, no Android. And like every budgeting app, it doesn't try to be a long-term planning engine. No FI Age, no lifetime projection, no Decision Hub, no tax-aware modeling.
Copilot answers 'how am I doing this month.' PeakWorth answers 'how is my whole financial life trending and when can I stop working.' The combination is strong: tactical clarity from Copilot, strategic clarity from PeakWorth.
Copilot is exceptional at the current month — clean categories, a precise savings rate, a tidy investment view. PeakWorth treats those outputs as inputs: it takes the savings rate and balances Copilot surfaces and runs them through a year-by-year deterministic simulation to age 95, with federal and state taxes, employer match, Social Security, and inflation.
The result is your FI Age — the calendar year your portfolio reaches ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses. Copilot tells you, beautifully, how this month went; PeakWorth tells you the year all those months add up to, and how each one moves it.
Copilot is a polished iOS/Mac budgeting app; PeakWorth is the lifetime planning layer it doesn't try to be. They complement each other. Confirm current terms on Copilot's site.
| Feature | PeakWorth | Copilot Money |
|---|---|---|
| Subscription fee | Flat $119.88/yr (~$9.99/mo); free Quick Start, no signup | $95/yr or $13/mo |
| Account minimum | $0 — free Quick Start, no signup | $0 — doesn't custody assets |
| Automated portfolio management | No — it's the planning layer, not a custodian | No — budgeting & tracking only |
| Platform | Any modern browser (incl. iOS Safari) | iOS / Mac only — no web or Android |
| Primary job | Lifetime planning & FI Age projection | Budgeting & transaction tracking |
| Retirement output type | Dated FI Age — plus a year-by-year projection to age 95 | None — tracking, not projection |
| Tax-aware lifetime projection (federal + state) | Yes — year-by-year to age 95 | No |
| Decision modeling (buy-vs-rent, bonus, debt payoff) | Yes — the Decision Hub scores each decision's dollar-and-year impact | No |
| Dual-income household modeling | Yes — first-class (separate incomes, accounts, and goals) | Limited — single-user focused |
| Transaction categorization | Yes — AI categorization on linked accounts | Yes — best-in-class ML categorization |
| Data export | Yes — CSV import/export of your data | Yes — CSV export |
Generic articles can only go so far. PeakWorth runs every scenario against your real income, expenses, and goals — so you see the dollar-and-year impact of every decision before you make it.
No — Copilot stays in the month. PeakWorth takes the savings rate Copilot measures and projects it to age 95, reporting your FI Age: the dated year your portfolio reaches ~25× the expenses it must cover after Social Security — roughly 20× your total annual expenses. The monthly clarity becomes a specific finish line.
If you're on iOS/Mac and want the most polished budgeting experience, yes. If you're on Android or want web access, look at Monarch or Rocket Money instead.
PeakWorth runs in any modern browser (works perfectly on iOS Safari) — no app install required.
No — Copilot doesn't project lifetime wealth or compute FI age. That's where PeakWorth fills the gap.
Not directly — but PeakWorth links the same bank accounts via Plaid, or you can enter summary numbers by hand. Pull income, savings, and expense totals from Copilot's reports in under a minute.
Calculators, true-cost pages, and audience playbooks across the PeakWorth network.
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Calculator
Credit card payoff calculator
Avalanche vs snowball — see the years and dollars you save.
Cost of
Your daily coffee, in retirement years
$5/day. 30 years. The FI Age cost of a daily latte.
Cost of
The true cost of avocado toast
Settle the meme. With math. And your own salary.
PeakWorth is the financial decision engine for households — your Personal Financial Strategy OS, a real-time engine that calculates every decision's impact on your future. The Decision Hub, an AI advisor, and a live projection that show you exactly how each move shapes your wealth and your FI Age.
