Cancel Copilot Money in 2026: Free Alternatives Comparison

Updated February 2026 • 5 min read

What Copilot Money Costs

• Monthly: $10.99/month ($132/year)
• Annual: $79.99/year ($6.67/month)
• What it does: Account aggregation, spending categorization, subscription detection, budget tracking, net worth

Copilot is widely praised for its beautiful UI and smart categorization. The question is whether beautiful budgeting is worth $80-132/year.

How to Cancel Copilot Money

Copilot is iOS-only and subscribed through the App Store:

1. On iPhone: Settings → tap your name → Subscriptions
2. Find Copilot Money
3. Tap "Cancel Subscription"
4. Access continues until end of billing period

Free Alternatives

The Budgeting App Paradox

Here's the irony: the people who need budgeting most can least afford $80-132/year for an app. And the people who can easily afford it often don't need detailed budgeting because they have margin in their spending.

The most effective budgeting method is also the simplest and cheapest:

1. Set up automatic transfers to savings on payday
2. Pay fixed bills automatically
3. Spend what's left without guilt
4. Review bank statements once a month (15 minutes)

This "pay yourself first" system requires no app and no subscription.