Comparison

Copilot vs Split Crew

Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.

Head to head
About

Copilot

Manage your money comprehensively with an AI-powered assistant that tracks spending, plans budgets, and monitors investments. Get personalized insights and automated categorization to understand your finances better. Built with privacy at its core, it offers bank-level security without ads or data selling.

Highlights
  • AI financial assistant
  • All-in-one money tracking
  • Automated transaction categorization
  • Smart budgeting
  • Investment performance monitoring
  • Cross-device sync
Features
Currently charting
Read full description

Apple Editors’ Choice. Apple Design Award Finalist. "Made the jump from Mint years ago and never looked back. Run, don't walk." -App Store review "An app that I love and use." -MKBHD Available on Web, iPhone, Mac, and iPad. ALL-IN-ONE MONEY APP Copilot Money is a personal finance app and budget planner built to help you navigate your finances with confidence. Track spending and expenses, plan budgets, and monitor investments and net worth, all in one beautifully designed app. No more spreadsheets or switching between five banking apps. Copilot also features the Money Assistant: an AI financial assistant that sees your full financial picture and surfaces opportunities before you have to look for them. Currently available on iPhone. Most importantly, Copilot Money is built with privacy at the center. We don’t sell your financial data, train third-party AI models on it, or show ads. Try it free for one month! MEET YOUR MONEY ASSISTANT (currently available on iPhone) The Money Assistant guides you from the very first step. Once you connect your accounts, it analyzes your spending, income, and investments, then builds you a starting budget with the categories most worth tracking. From there, it plans right alongside you, from a quick budget tweak to a decade-long goal like retirement. It can also get things done on your behalf, like recategorizing a transaction, detecting a recurring bill, or matching a refund. You just approve. Ask it anything: ● “Where should I cut back on spending?” It flags redundancies and the categories where you’re overspending. ● “Can I cover next month’s expenses?” It checks your balances against upcoming recurring charges. ● “Am I on track to retire in 10 years?” It maps out your projected savings based on your income and contribution rate. KEY APP FEATURES ● Cross-device sync: Access your account via Web, iPhone, Mac, and iPad. ● Money Assistant: An AI financial assistant that surfaces insights, answers questions, and takes the actions you approve in-app. Currently available on iPhone. ● All-in-one view: Connect to tens of thousands of financial institutions, including direct integrations with Venmo, Apple Card, and Coinbase. ● Auto-categorization: Copilot Intelligence handles your transactions automatically and learns your habits over time. ● Smart budgets: A budget tracker that adapts to how you actually spend. ● Subscription and bill tracking: Every recurring charge, including the ones you forgot about. ● Savings goals: Set goals, link accounts and transactions, and track your progress. ● Cash flow: Visualize income, spending, and net income across time to spot trends early. ● Investment tracking: View performance, intra-day updates, and benchmark against market indexes. ● Custom alerts: Notifications for overdraft fees, unusual spending, paydays, and more. ● Human support: Real people in-app, ready to help when you need it. ● Bank-level security: Your data is protected end-to-end. THE BASICS ● Pricing: Monthly or annual subscription with a 1-month free trial ● Platforms: Web, iOS, macOS, and iPadOS ● Institutions supported: 16,000+, US only ● Rating: 4.8 stars, 31,000+ reviews ● Awards: Apple Editors’ Choice in Personal Finance, Apple Design Awards Finalist 2024, Apple Must-Have Finance Apps, Webby Award Winner ● Named a top Mint alternative by Forbes Advisor ● As featured in: The New York Times, TechCrunch, The Verge, NerdWallet Learn More: copilot.money Privacy Policy: copilot.money/privacy_policy California Privacy Policy: copilot.money/california-privacy-notice Terms of Service: copilot.money/terms_of_service Copilot Money supports US financial institutions only. The Money Assistant offers suggestions and information, not professional financial advice.

About

Split Crew

Easily divide group expenses without needing accounts or sign-ups. Manually itemize bills or use smart receipt scanning to quickly determine individual shares, including tax and tip. Track payments and send reminders to ensure everyone pays their fair portion.

Highlights
  • Manual bill itemization
  • Smart receipt scanning
  • Assign items to individuals
  • Proportional or even tax/tip splitting
  • Payment tracking
  • Customizable reminders
  • No account required
Features
Read full description

The easiest way to split a group bill. No accounts, no sign-ups, nothing to set up — open the app and split the check. TWO WAYS TO ITEMIZE, AND YOU CHOOSE ON EVERY BILL • Type it in yourself. Enter each line and Split Crew does all the math. Free and unlimited, always — no scan required, ever. • Or use Smart Receipt Scanning. Take a photo and the smart receipt system reads it for you: every item, the tax, the tip, the total. No typing out a 23-line receipt. Your first scan is free; after that each scan is $0.99. WHEN YOU SCAN, YOU ALSO CHOOSE WHO PAYS FOR IT One tick box on the scanning card, and you set it before anything is charged: • Split the $0.99 fee with the table — it goes on the bill as a fee and the whole group chips in, a few cents each • Or cover the $0.99 yourself — it stays off everyone else's share entirely Change your mind after the scan and the fee moves on or off the bill, with every share recalculated to match. HOW IT WORKS • One person pays the bill • Itemize the receipt — by hand or by scan — and assign each line to the people in your group • Share the summary page with the group — everyone sees what they ordered, how much they owe, and how to send you the money • Tax and tip are split proportionally to what each person ordered, or evenly — every share is exact to the cent • Check people off as they pay you back, with custom reminders so you're not the one chasing anyone down WHAT'S FREE • Everything, when you enter the receipt yourself — unlimited bills, people, splits, summaries and reminders • Your first Smart Receipt Scan PRIVATE BY DESIGN • No accounts and no sign-ups • Your bills, people and receipt photos stay on your phone • Nothing is tracked or sold

Screenshots

Copilot4 screens
Split Crew4 screens

Verdict

The call

The clearest difference is ratings volume: Copilot at 31K against Split Crew's 3. Copilot also leads on chart position (#6 vs unranked) and device support (3 vs 1). Split Crew's advantage is update cadence (every 2 days vs every 11 days) and rating (5.0 vs 4.8). On price, ads, in-app purchases and monetization model there is nothing between them.

Scored on Price · Rating · Positive reviews · Number of ratings · Update frequency · Ads · In-app purchases · Monetization · Best chart rank · Devices · Requires iOS

CostPrice · In-app purchases · Ads · Monetization

Both are free to download. Copilot sells 8 in-app purchases, starting at $18.00 per month and Split Crew sells 1 one-off in-app purchase. Whichever you choose, the download price is not the number that matters.

ReceptionRating · Positive reviews · Number of ratings

Split Crew holds the better App Store score, 5.0 against 4.8. That said, the two scores are not equally well evidenced: Copilot has 31K ratings behind it against 3, so its average is the more settled of the two.

UpkeepUpdate frequency

Copilot ships an update every 11 days, Split Crew every 2 days. The most recent releases landed on November 8, 2026 and October 31, 2026 respectively.

Scorecard5 real differences · 6 level
Copilot versus Split Crew: the parameters behind the verdict, then further details
ParameterCopilotSplit Crew
PriceFreeFree
Rating4.8 (31K ratings)5.0 (3 ratings) — better
Positive reviews57.3% of reviews—
Number of ratings31K — better3
Update frequencyEvery 11 daysEvery 2 days — better
AdsNoNo
In-app purchasesYesYes
MonetizationFree with in-app purchasesFree with in-app purchases
Best chart rank#6 — better—
DevicesiPhone, iPad, Mac — betteriPhone
Requires iOS17.016.4 — better
Further details — not scored
Size306 MB48 MB
Age rating4+4+
DeveloperCopilot Money, Inc.Sam Albert

Customer experience

Copilot

All ratings30,925 ratings
Positive94.0%
Neutral1.8%
Negative4.2%
Written reviews1,012 reviews
Positive57.3%
Neutral10.1%
Negative32.6%

Split Crew

All ratings3 ratings
Positive100.0%
Neutral0.0%
Negative0.0%

Bugs and requests

Copilot

Reported bugs

3 issues
  • Inconsistent transaction categorization and rule application
  • Occasional data sync issues and loss of historical transaction data
  • Sluggish performance on some devices, especially the Mac app

Requested features

4 requests
  • Add web/desktop app for better usability
  • Improve support for joint accounts and shared budgeting
  • Implement more flexible budgeting and savings goal features
  • Enhance transaction search and filtering capabilities

Split Crew

Not enough reviews yet to summarise bugs or requests.

In-app purchases

8 purchases

Copilot

Subscriptions8
  • Copilot Subscription1 Month trial2 variants$18.001 Month
  • Copilot Subscription14 Days trial$18.001 Month
  • Copilot Subscription2 Months trial2 variants$18.001 Month
Show 5 more
  • Monthly subscription14 Days trial$18.001 Month
  • Monthly subscription1 Month trial$18.001 Month
  • Monthly subscription2 Months trial$18.001 Month
  • Yearly subscription1 Month trial$109.001 Year
  • Yearly subscription2 Months trial$109.001 Year
1 purchases

Split Crew

One-time1
  • 1 Smart Receipt Scan$0.99

Questions

Is Copilot free?
Copilot is free to download, with in-app purchases available.
Is Split Crew free?
Split Crew is free to download, with in-app purchases available.
Which has better reviews, Copilot or Split Crew?
Split Crew is rated higher. Copilot averages 4.8 out of 5 from 31K ratings, while Split Crew averages 5.0 from 3 ratings.
Do Copilot or Split Crew have ads?
Neither Copilot nor Split Crew shows ads.
Which is updated more often, Copilot or Split Crew?
Copilot ships an update every 11 days, and Split Crew every 2 days. Most recently, Copilot was updated on November 8, 2026 and Split Crew on October 31, 2026.

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