Plenty vs. Copilot: Which App is Right for You?

Choosing the right budgeting app can make or break your financial goals. Whether you're managing money as a couple or focusing on your individual finances, here’s how Plenty and Copilot compare across key features.

Plenty: The Best for Couples

Price: 100% free budgeting and net worth tracking (0.20% fee for investing).

Features:

• Designed specifically for couples to track shared and individual finances with a "what’s ours" and “what’s mine” view.

• Personalized goal planning for shared milestones like a wedding or homeownership.

• Grow your money faster with a 4.14% 7-day yield* on savings.

• Net worth tracking and future forecasting for long-term planning.

Beyond Budgeting:  Yes. Plenty goes beyond budgeting with tools for collaborative goal planning, savings optimization, and long-term investing strategies.

Why It’s Best for Couples: Plenty simplifies managing shared finances, providing free tools for collaboration, growth, and transparency.

Copilot: Best for Data-Driven Insights

Price: $13/month or $95/year

Features:

• Categorizes transactions automatically for detailed insights.

• Real-time budget tracking across multiple accounts.

• Subscription tracking to identify recurring expenses.

• Customizable notifications to monitor spending habits.

Beyond Budgeting: No. Copilot excels at offering data-driven insights into spending but lacks features like goal planning or investment tools.

Why It’s Best for Data Enthusiasts: Copilot is ideal for those who love in-depth spending analytics and are comfortable with a subscription-based model.

Key Differences

• Cost: Plenty is free for budgeting and net worth tracking, while Copilot requires a monthly or annual subscription.

• Focus: Plenty is tailored for couples managing shared finances, while Copilot provides detailed insights for individuals seeking data-driven budgeting.

• Features: Plenty includes tools for collaborative goal planning and savings growth, while Copilot focuses on tracking and analytics.

The Verdict

If you’re a couple looking for a free, intuitive app to manage money together, Plenty is the best choice. It offers personalized goal planning, savings growth, and powerful collaboration tools designed specifically for shared financial journeys.

For individuals who thrive on detailed data and analytics, Copilot is an excellent option—but keep in mind the cost and its limited features beyond budgeting.

👉 Start your financial journey with Plenty today.

About Plenty

Plenty is a wealth management platform designed specifically for couples. We go beyond budgeting, making it simple to invest, save, and grow toward your future goals by unlocking access to the financial strategies of the wealthy. Ready to get started? Sign up for free today.

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*Plenty's cash management product invests 99.5%+ of the portfolio in US-government backed securities as of January 3, 2025. Although the strategy seeks to preserve the value of your investment at $1.00 per share, it cannot guarantee it will do so. You could lose money by investing in the strategy. Plenty's cash management product is SIPC insured. An investment in the strategy is not a bank account and is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. The rate quoted is subject to change and will decrease or increase based on changes in market conditions, interest rates, among other factors. The rate quoted is net of transaction and advisory fees.

The information provided herein is for general informational purposes only and should not be considered individualized recommendations or personalized investment advice. The type of strategies mentioned may not be suitable for everyone. Each investor should evaluate an investment strategy based on their unique circumstances before making any investment decisions.Investing involves risk, including risk of loss. Past performance may not be indicative of future results. Asset allocation, diversification, and rebalancing do not ensure a profit or protect against loss in declining markets. Examples provided are for illustrative purposes only and not intended to be reflective of results you can expect to achieve.Tax-loss harvesting involves certain risks, including, among others, the risk that the new investment could have higher costs than the original investment and could introduce portfolio tracking error into your accounts. There may also be unintended tax implications. We recommend that you consult a tax professional before taking action.Plenty does not provide legal or tax advice. Where specific advice is necessary or appropriate, individuals should contact their own professional tax and investment advisors or other professionals (CPA, Financial Planner, Investment Manager) to help answer questions about specific situations or needs prior to taking any action based upon this information.All expressions of opinion are subject to change without notice in reaction to shifting market, economic, and geo-political conditions