Copilot vs Split Crew
Price, ratings, monetisation and update history for both apps, side by side — with what reviewers say about each.
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.
- AI financial assistant
- All-in-one money tracking
- Automated transaction categorization
- Smart budgeting
- Investment performance monitoring
- Cross-device sync
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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.
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.
- Manual bill itemization
- Smart receipt scanning
- Assign items to individuals
- Proportional or even tax/tip splitting
- Payment tracking
- Customizable reminders
- No account required
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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
Verdict
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
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.
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.
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.
| Parameter | Copilot | Split Crew |
|---|---|---|
| Price | Free | Free |
| Rating | 4.8 (31K ratings) | 5.0 (3 ratings) — better |
| Positive reviews | 57.3% of reviews | — |
| Number of ratings | 31K — better | 3 |
| Update frequency | Every 11 days | Every 2 days — better |
| Ads | No | No |
| In-app purchases | Yes | Yes |
| Monetization | Free with in-app purchases | Free with in-app purchases |
| Best chart rank | #6 — better | — |
| Devices | iPhone, iPad, Mac — better | iPhone |
| Requires iOS | 17.0 | 16.4 — better |
| Further details — not scored | ||
| Size | 306 MB | 48 MB |
| Age rating | 4+ | 4+ |
| Developer | Copilot Money, Inc. | Sam Albert |
Customer experience
Copilot
Split Crew
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
Copilot
- Copilot Subscription1 Month trial2 variants$18.001 Month
- Copilot Subscription14 Days trial$18.001 Month
- Copilot Subscription2 Months trial2 variants$18.001 Month
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- 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
Split Crew
- 1 Smart Receipt Scan$0.99









