Copilot Money vs Empower
Copilot Money vs Empower: Budgeting or a Wealth Dashboard?
These two apps aim at different jobs. Copilot Money is a paid, design-led tracker for day-to-day spending and budgets on Apple devices. Empower (formerly Personal Capital) is a free dashboard built around net worth, investments and retirement, with budgeting as an afterthought. The honest question is whether you want tight everyday tracking or a big-picture view of your wealth.
Copilot Money vs Empower Personal Dashboard: feature comparison
Feature comparison of Copilot Money, Empower Personal Dashboard and Auritrack
| Feature | Copilot Money | Empower Personal Dashboard | Auritrack |
|---|---|---|---|
| AI chat expense tracking | No | No | Yes |
| AI bookkeeping & categorization | YesLearns and auto-categorizes as you correct it | Auto-categorizes synced transactions | Yes |
| Automatic bank sync | YesPlaid, MX, Finicity and Akoya | YesAggregates bank, card and investment accounts | Premium; US, Canada, Nigeria, Ghana, Kenya and South Africa. Statement import everywhere |
| Bank-statement import (PDF/CSV/Excel) | CSV import | NoRelies on live sync, not file import | YesPDF, CSV or Excel, read by AI |
| Budgeting | YesCategory budgets with rollover | Basic cash-flow view, weak on budgeting | Yes |
| Savings goals | YesGoals on iOS | YesRetirement and savings planners | Yes |
| Invoicing | No | No | Small-business records and reports |
| Receipt scanning | No | No | Yes |
| All currencies, kept separate | Display currency configurable; US/Canada sync | NoUS and USD focused | YesEach currency kept separate |
| Data export (PDF/CSV) | YesCSV | Limited export | YesPDF and CSV anytime |
| Telegram tracking | No | No | Yes@auritrack_bot |
| Investment tracking | YesStocks, crypto and real estate | YesPortfolio, fee analyzer, retirement planner | No |
| Shared / household accounts | NoSingle-user | Household accounts can be linked | Yes |
| Sells your data to advertisers | No | NoUpsells its own advisory, not ads | No |
| Price | $13/mo or $95/yr | Free (dashboard) | Free app + web from $3/mo |
Which of the two should you pick?
Where Copilot Money wins
- Real budgeting and category tracking, which Empower barely does
- Auto-categorization that learns as you correct it
- A polished Apple-native design on iPhone, Mac and web
- Investment tracking that spans stocks, crypto and real estate
Where Empower Personal Dashboard wins
- Free to use — no subscription at all, unlike Copilot
- Deep investment tools: fee analyzer, retirement and portfolio planning
- Aggregates bank, card and brokerage accounts in one net-worth view
- Works on Android, which Copilot does not
A third option: Auritrack
If your real need is everyday budgeting rather than portfolio analysis, Auritrack covers the tracking side without Copilot’s $13/month price or Apple-only reach. You chat a purchase or upload a statement and an AI logs and categorizes it, then holds you to a budget, free on the mobile apps and Telegram, web from $3/month. Bank connections are on Premium in the US, Canada, Nigeria, Ghana, Kenya and South Africa and run through Plaid or Mono, so Auritrack never sees your bank login. Anywhere else, you upload a statement.
The verdict
Choose Copilot Money if you want a beautiful, hands-on budgeting app on Apple devices and do not mind paying for it. Choose Empower if you mostly want to watch your net worth and investments for free and can live with weak budgeting. If budgeting is the whole point and you would rather an AI did the logging, Auritrack is worth a look.
Frequently Asked Questions
Want to dig into one of them on its own? Read the Copilot Money guide or the Empower Personal Dashboard guide, each an honest look at where that tool wins and where Auritrack fits.
Comparisons reflect our understanding of each product at the time of writing and may change; check each provider’s site for current pricing and features. Product names and trademarks belong to their respective owners. This page is general information, not financial advice.