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Wally vs Copilot Money
The short version
Copilot Money is a paid, ad-free personal finance app for iPhone, iPad, Mac and the web that tracks spending, budgets, investments and net worth. Wally is an AI agent for your money: it watches your accounts and email, and does jobs itself — cancelling subscriptions and asking your bank to refund fees — in a browser you can watch.
Disclosure: we make Wally, so we’re not neutral. Every fact about Copilot Money comes from its own website and is linked below, and this page says when Copilot Money is the better pick.
By Meet PandyaChecked Source: Copilot Money’s website
At a glance
Prices in US dollars. Copilot Money’s column comes from its own website, checked October 2026.
| Wally | Copilot Money | |
|---|---|---|
| Price | iPhone, monthly: $6.99/monthiPhone, yearly: $69.99/year7-day free trialWeb, yearly: $69.99/year | Yearly: $95/year[1]About $7.92 a month.Monthly: $13/month[1] |
| Free trial | 7 days, on the yearly iPhone plan | 1-month free trial |
| Platforms | iPhone, Web | iPhone, iPad, Mac, Web |
| Countries | US and Canada | US only |
| Bank connections | Plaid | Plaid, plus Mastercard, MX and Akoya for some institutions |
Features side by side
| Wally | Copilot Money | |
|---|---|---|
| Budgeting | YesBuilds your budget from your own usual spending and shows bills before they charge. | Yes[1]Budgets with rollovers, and AI that categorizes every transaction. |
| Finds subscriptions and bills | YesFinds subscriptions and bills in your accounts — and in your email, if you connect it. | Yes[1]Spots subscriptions and shows upcoming bills. |
| Cancels subscriptions for you | YesCancels in its own browser, which you can watch; you sign in yourself. Starts on the cancel page for about 20 popular services, and works other sites best effort. | Not listedNot listed on copilot.money. |
| Asks your bank to refund fees | YesSpots bank fees and can ask your bank’s chat or secure messages for a one-time courtesy refund. Not guaranteed. | Not listedNot listed on copilot.money. |
| Reads your email for bills and trials | YesConnect Gmail or Outlook and Wally finds subscriptions, bills, free trials and returns in your email. Gmail is open to a limited number of accounts for now. | Not listedNot listed on copilot.money. |
| AI assistant | YesAsk anything about your money; Wally answers from your own numbers and acts only with your OK. | Yes[2]Money Assistant (in beta) answers questions about your own data. |
| Standing tasks from chat | YesSet a standing task in chat — say, a stock price every 10 minutes — and Wally keeps at it until you say stop. | Not listedNot listed on copilot.money. |
| Net worth | YesEvery account in one place, plus things you add by hand, like a car, a home or cash. | Yes[1]Accounts, investments, crypto and your home in one net worth. |
| Investment tracking | YesBrokerages connect through Plaid, and Wally follows your investments. | Yes[1]Live performance estimates and allocation. |
| Credit score | NoNot offered. | No[2]Copilot says it doesn’t track or report your credit score. |
| Share with a partner | YesShare a Family profile with a partner in the iPhone app. | Partly[4]You can sign a partner in to your account by magic link; every signed-in device has full control. |
| Moves money for you | NoRead-only — Wally never moves your money. | No[2]Copilot says it doesn’t hold your money or process payments. |
When Copilot Money is the better pick
Choose Copilot Money if any of these matter most to you. From its own website:
- Native apps for Mac and iPad as well as iPhone and the web.[2]
- A longer free trial: one month.[2]
- Design recognition: Apple Design Award finalist (2024) and Apple Editor’s Choice in Personal Finance.[2]
- Live investment tracking and allocation, plus direct integrations with Apple Card, Venmo and Coinbase.[1][2][3]
Where Wally is different
It does the job itself, in a browser you can watch
Ask Wally to cancel a subscription or ask your bank to refund a fee, and it works through the website in its own live browser. You sign in yourself — your password goes to that company, never to Wally — and nothing runs without your OK.
It reads your email, if you connect it
Connect Gmail or Outlook and Wally finds subscriptions, bills, free trials and returns in your email — including ones that haven’t charged your card yet.
It takes tasks from chat
Ask a question about your money and get an answer from your own numbers, or set a standing task and let Wally keep at it on its own clock until you say stop.
Read-only, and paid for by you alone
Wally can see your accounts but can never move money. Your subscription is its only income — no ads, no selling your data, no kickbacks.
Wally’s drawbacks
What Wally doesn’t do, or doesn’t do yet:
- No Android app — Wally is on iPhone and the web.
- No free plan. The free trial is 7 days, on the yearly iPhone plan.
- No credit score or credit report.
- Cancelling works best on about 20 popular services, where Wally starts on the cancel page; on other sites it works best effort. It can’t cancel anything that needs a phone call or a visit.
- Gmail connections are open to a limited number of accounts for now; Outlook works for everyone.
- It’s younger than most apps it’s compared with here, so it has a shorter track record.
- Works with US and Canadian banks only.
Wally, your AI money agent
Try Wally
Connect your accounts read-only through Plaid and ask Wally anything about your money — or give it a job, like cancel my Netflix
or get that overdraft fee back
. Wally works in its own browser where you can watch, you sign in yourself, and nothing runs without your OK.
$6.99 a month on iPhone, or $69.99 a year with a 7-day free trial. On the web, $69.99 a year. See what Wally can cancel.
Read-only — Wally never moves your money.
Wally vs Copilot Money: FAQ
How much does Copilot Money cost compared with Wally?
Copilot Money is $95 a year or $13 a month, with a 1-month free trial. Wally is $69.99 a year or $6.99 a month on iPhone, with a 7-day free trial on the yearly plan.
Can I use Copilot Money in Canada?
Copilot says it supports US-based financial institutions and accounts only. Wally works in the US and Canada.
Does Copilot Money have an AI assistant?
Yes — Copilot’s Money Assistant, in beta, answers questions about your own data. Wally’s chat answers questions too, and can also do jobs like cancelling a subscription in its own browser.
Which devices do they run on?
Copilot Money lists iPhone, iPad, Mac and the web. Wally is on iPhone and the web.
Sources
- 1.Copilot Money: home page and pricing · October 14, 2026
- 2.Copilot Money: FAQs · October 14, 2026
- 3.Copilot Help Center: How Do You Get My Financial Data? · May 6, 2026
- 4.Copilot Help Center: Sharing Your Account with a Partner · September 1, 2026
- 5.Copilot Help Center: Managing Your Copilot Subscription · February 27, 2026
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