Full budgeting app vs. focused subscription finder
Full budgeting & finance app
Copilot connects to your bank accounts to track spending, investments, net worth, and recurring subscriptions. Polished iOS/Mac app.
$69.99/year subscription
After a free trial, Copilot costs about $70/year. That's an ongoing subscription to manage your subscriptions.
Requires bank connection
Uses Plaid to connect directly to your bank accounts for automatic transaction syncing.
Finds your subscriptions
Upload a bank statement (CSV or PDF). AI identifies all recurring charges and gives you direct cancel links.
$5 one-time fee
No subscription. No annual fee. Pay once, get your results.
No bank connection needed
Upload a CSV or PDF export from your bank. Your credentials stay with you.
| Just Cancel | Copilot Money | |
|---|---|---|
| Find subscriptions | $5 once | $70/year |
| Cancel links | Yes | No |
| Budget tracking | Not offered | Yes |
| Bank connection | No — CSV/PDF upload | Yes (Plaid) |
| 2-year cost | $5 | $140 |
Copilot Money pricing from the App Store as of January 2026.
Use Just Cancel if:
You just want to find and cancel unused subscriptions without signing up for another recurring charge.
Use Copilot Money if:
You want a full budgeting app with investment tracking, net worth, and automated categorization — and you're okay paying $70/year.