Vylo vs. Copilot Money.
Brass Tacks: If you want everyday budgeting at a lower monthly price, with a separate login for everyone at home, go with Vylo. If you’re in the US and want native Mac and iPad apps alongside more detailed investment views, Copilot is worth a look.
Features
| What you get | VyloEveryday household budgeting | CopilotSpending and investment tracking, with native Apple apps |
|---|---|---|
| Accounts & transactions | Connect supported US and Canadian accounts. Transactions sort into categories automatically. | Connect supported US accounts, categorize spending automatically and review new transactions. |
| Your budget | Set monthly category budgets, adjust them as life changes, and see what’s left. | Customize categories and budgets, with rollovers for amounts you don’t spend in a month. |
| Getting started | Build a starting budget from recent spending, then make it your own. | Start with budgets based on your spending history, then adjust the categories and amounts. |
| Reviewing purchases | Work through purchases that need attention one card at a time. Confirm the category, change it or skip it for later, on web and iPhone. | The dashboard’s To Review list collects new transactions. Edit individual purchases or mark the list as reviewed. |
| Day-to-day guidance | On iPhone, get a daily spending target from your remaining budget after allowing for expected recurring costs. | Compare your spending with an ideal pace on the dashboard, see what’s free to spend, or add a Daily Spending widget. |
| Looking ahead | On iPhone, see where the month is heading based on spending so far, upcoming costs and your spending pace. Open the breakdown and ignore a cost you don’t expect. | See upcoming recurring payments and budget progress. Cash Flow reports cover spending so far, rather than unpaid upcoming costs. |
| Household sharing | Separate logins and one shared household budget. Unlimited members at no extra cost. | Partners can share the same Copilot account through a sign-in link. Both have full access to that account. |
| Net worth | Track cash, investments, property and debts over time, including assets you add manually. | See your net worth alongside account balances, assets and debts. |
| Investment views | Include investment account balances in your household’s net worth. | Track investment performance and portfolio allocation alongside your everyday accounts. |
| Monthly reviews | Open a completed month to see budget results, category totals, the biggest changes and notable purchases. Dig into the transactions behind the numbers. | Month and Year in Review cover spending, income, investments and trends. Individual slides can be shared. |
| Where you can use it | Web and iPhone. | Web, iPhone, iPad and Mac. Some features are still specific to the native apps. |
Vylo supports US and Canadian accounts. Copilot is available in the US and supports US financial institutions and USD. Bank coverage varies by institution.
Pricing
Web subscriptions
| What you pay | Vylo | CopilotU.S. only |
|---|---|---|
| Paying monthly | $7/month $2 for your first month. One plan for your whole household. | $13/month U.S. subscription price. |
| Paying annually | No annual plan. Pay monthly and cancel anytime. | $95/year, paid upfront. About $7.92/month. |
| Trying it out | $2 for your first month. This is a paid introduction. | A free trial is offered at signup. Select a plan and check the renewal terms before starting. |
| First 12 paid months | $79 total: $2 + eleven $7 payments. | $95 paid annually, or $156 across 12 monthly payments, after the trial. |
| Ongoing yearly cost | $84 across 12 monthly payments. | $95 paid annually, or $156 across 12 monthly payments. |
| Sharing at home | Separate member logins are included. | Sharing one account with a partner is included. |
Which one’s right for you?
| What matters to you | Choose Vylo if… | Choose Copilot if… |
|---|---|---|
| How you use it | You want household spending and budgets on web and iPhone, with everyone using their own login. | You use several Apple devices and want native Mac and iPad apps as well as web access. |
| What you want to follow | Everyday expenses and the bigger picture of your household’s net worth are your focus. | You want to spend more time exploring investment performance and allocation, too. |
| Where you live | You’re in the US or Canada and want a monthly household plan. | You’re in the US and are comfortable with a shared account if your partner joins you. |
Sources and details
We’re the team behind Vylo. This comparison uses our current features and Copilot Money’s published documentation, checked September 23, 2026.
Copilot Money: pricing and investment features, budgets and setup, partner sharing, dashboard and insights, daily spending widget, cash flow, monthly and yearly reviews, web availability and feature differences, countries and currencies.
Vylo: transaction review, projected spend and daily guidance, budgets, household sharing, net worth, reports and release notes.
Vylo bills in your local currency: USD in the US and CAD in Canada. Prices exclude taxes. Vylo’s first 12 paid months total $79; after that, 12 monthly payments total $84.
Copilot prices are in USD; there is no Canadian subscription in this comparison. Prices are for new web subscriptions before taxes or special offers. App Store prices and legacy plans may differ. Twelve-month totals cover paid periods after any trial.
Found something that has changed? Let us know.