Honest comparison
PeakWorth vs Copilot Money
Copilot tracks your money beautifully. PeakWorth tracks it too — then shows what it means for the next 30 years.
The short version
Copilot's cult following is deserved: the design is gorgeous, the AI categorization actually works, and it feels native on iPhone and Mac in a way few finance apps do. As a window into this month, it's hard to beat. PeakWorth points the window the other way: your spending feeds a living financial model that projects the next 30 years — a dated FI age, and the cost of every big decision in dollars and years before you make it.
Copilot Money is best for
Apple-ecosystem households who want the best-looking tracker on iPhone/Mac and don't need long-horizon projection.
$13/mo or $95/yr.
PeakWorth is best for
Households who want a polished planning experience with projection and a decision engine — and who care about results more than icon polish.
14-day free trial. Then $9.99/mo Navigator.
Here's the shift: a tracker — even a beautifully built one — is a rear-view mirror. It renders where you've been with perfect clarity. A living financial model uses that same data as fuel for the windshield view: where you're heading, when work becomes optional, and which decision changes it. The polish isn't the difference; the direction is.
Question by questionWhat each one can answer
| The question | PeakWorth | Copilot Money |
|---|---|---|
Does it feel native on iPhone and Mac? | Web, mobile-friendly | |
Are my transactions categorized automatically? | ||
Are all my accounts in one place? | ||
What's my net worth today? | ||
How are my current spending habits changing my future? | Limited | |
Can my budget plan one-time, annual, and ending expenses? Daycare that ends, a roof, next year's tuition | Limited | |
When can I retire — a dated year? | ||
Can I test the house / job / baby decision first? | Decision Hub | |
Does the AI know my plan, or just my spending? | Plan-aware (Peak plan) | Spend-aware |
What does it cost? | $9.99/mo Navigator | $13/mo |
A gorgeous rear-view mirror is still a rear-view mirror.
PeakWorth vs Copilot Money — head to head
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 |
The real reasonsWhy people switch
- Copilot ends at this month. PeakWorth runs for 30 years.
- Decision-grade tools for the moves Copilot's tracker can't model.
- AI that talks about your retirement, not just your dinner spending.
- Many users keep both — track in Copilot, plan in PeakWorth.
Tracking got solved. The questions didn't stop.
Copilot is what you pick when you care about your money and your tools. But caring about your money eventually generates questions no tracker answers — however lovely the interface.
The questions that brought you to Copilot
- Where does my money actually go?
- Can categorization just work, without the chores?
- What's my net worth across everything?
- Can a finance app not feel like a spreadsheet from 2009?
The questions you're asking now
- Can I afford to take the startup job?
- When does work become optional?
- What does buying in this market do to the rest of the plan?
- Is my savings rate building the future I think it is?
Your financial life changes over time. Your budget should too. Perfect capture answers the first list. A living financial model — capture, model, project, improve — answers the second.
Imagine knowing this before making the decision
This is what your spending data can tell you once it feeds a projection instead of a monthly review:
“The startup offer — lower salary, real equity — delays FI by 2 years in the base case, and beats it in the upside case.”
“Buying at today's rates instead of renting two more years moves our FI age from 51 to 54.”
“Daycare ends August 2029 — redirecting it to the brokerage brings retirement three years closer.”
“Our dining-out habit costs 9 months of retirement per decade — worth it to us, and now we know the price.”
Every one of these comes out of the Decision Hub with your real numbers — modeled as separate scenarios, each against your baseline.
Should you switch?
Stay with Copilot Money if…
- The Apple-native experience is a real part of why you stay on top of your money — that habit has value.
- Your questions are genuinely month-scale: spending, categories, cash flow.
- You'd rather have one beautiful tracker than a second tool, even a complementary one.
Add PeakWorth if…
- “Can we afford this?” keeps coming up and the answer keeps being a category chart.
- A big decision — job, home, kids — deserves numbers before you commit, not after.
- You want the future your habits are building on screen, not just the month they came from. (Plenty of people track in Copilot and plan in PeakWorth.)
Context
Copilot is genuinely best-in-class for the niche it owns: a polished, AI-assisted, Apple-native tracker. If that's what you need, it's a great choice.
PeakWorth is in a different category. We're not trying to win on icon design — we're trying to answer “when can we retire” and “should we buy this house.” The two complement well: track in Copilot, plan in PeakWorth.
You can see this month perfectly. Now look at 2040.
Connect your accounts or enter numbers by hand. In about ten minutes you'll have a dated FI age, a 30-year projection, and a place to price the next big decision.
See the windshield viewFrequently asked
Is PeakWorth as polished as Copilot?
Copilot wins on iOS-native polish — that's the niche they own. PeakWorth wins on planning depth: projection, FI age, decision tools, and an AI advisor that knows your strategy, not just your transactions.
Should I use both?
Many users do. Copilot for daily/weekly tracking on iPhone, PeakWorth for the long-horizon plan and big decisions. They overlap on aggregation but answer different questions.
Does PeakWorth have an iOS app?
PeakWorth runs in the browser and is mobile-optimized. A native app is on the roadmap but not the highest priority — most planning workflows are better on a larger screen anyway.
PeakWorth provides educational projections, not financial advice. We are not a registered investment advisor, broker-dealer, tax preparer, or attorney. Consult a licensed professional before making major financial decisions. Read full disclosures