Editor's Overview:
- The Winner: WalletHub
- Both WalletHub and Rocket Money offer a free plan, giving users access to many budgeting tools. Copilot Money does not offer a free plan.
- WalletHub is the only app among the three that offers a debt payoff plan to help you find the fastest way to become debt-free.
- Rocket Money and WalletHub are available on both Apple and Android devices, but Copilot Money is only available on Apple devices.
- WalletHub and Rocket Money give you access to your credit score and credit report, and both provide credit monitoring services. Copilot doesn't offer these features.
- WalletHub is the only app here that offers identity theft restoration help and up to $1,000,000 in identity theft insurance.
Copilot Money vs. Rocket Money vs. WalletHub: Key Characteristics
| Features | Copilot | RocketMoney | WalletHub |
|---|---|---|---|
| Average App Rating | 4.8 | 4.6 | 4.8 |
| Free Plan Available | No | Yes | Yes |
| Premium Plan Cost | $7.92/month (billed annually) | $7 - $14 / month | $7.99 per month, billed annually (SAVE 50.0%) |
| Number of Authorized Users | 2 | 1 | 5 |
| Credit Builder | No | No | Yes |
| Daily Updates to Scores & Reports | No | No | Yes |
| Credit Monitoring | No | Yes | Yes |
| Overall Financial Health Score (e.g. WalletScore) | No | No | Yes |
| Budgeting | Yes | Yes | Yes |
| Spending Tracker | Yes | Yes | Yes |
| Debt Payoff Plan | No | No | Yes |
| Dark Web Monitoring | No | No | Yes |
| Identity Theft Restoration/Insurance | No | No | Yes |
| Net Worth | Yes | Yes | Yes |
| Investment Tracker | Yes | Yes | Yes |
| Compatible Devices | Web, Apple | Web, Apple, and Android | Web, Apple, and Android |
Below, you’ll get a more detailed breakdown of the differences between these three apps. We’ll also highlight the winner in each major category.
Copilot Money vs. Rocket Money vs. WalletHub: Budgeting Tools
Winner: WalletHub
| Features | Copilot | RocketMoney | WalletHub |
|---|---|---|---|
| Spending Tracker | Yes | Yes | Yes |
| Budgeting | Yes | Yes | Yes |
| Customizable Transaction Alerts | No | Yes | Yes |
| Financial Reports | Yes | Yes | Yes |
| Share Transactions | Yes | No | Yes |
| Number of Budgeting Methods Supported | 2 | 1 | 5 |
| Subscription Manager | Yes | Yes | Yes |
| Savings Goals | Yes | Yes | Yes |
| Spending Trimmer | No | No | Yes |
| Transaction Validator | No | No | Yes |
| AI-enhanced Transactions | No | No | Yes |
All three apps let you create budgets, automatically track expenses, monitor your progress toward savings goals, and manage your recurring bills all in one place. Both WalletHub and Rocket Money also offer some budgeting tools for free, unlike Copilot Money.
WalletHub has the edge here since it provides more comprehensive budgeting features than Rocket Money. WalletHub offers more budgeting templates, lets you share your account with up to five people (Rocket Money lets you share with only one other person), and uses AI to clean up your transaction data to make it easier to understand. Neither Rocket Money nor Copilot Money uses AI to enhance your transaction data.
Copilot Money vs. Rocket Money vs. WalletHub: Budgeting Methods
Winner: WalletHub
| Features | Copilot | RocketMoney | WalletHub |
|---|---|---|---|
| 50/30/20 budgeting | No | No | Yes |
| Envelope budgeting | No | No | Yes |
| Micro envelope budgeting | No | No | Yes |
| Simple budgeting (income/expenses only) | No | No | Yes |
| Pay yourself first budgeting | No | No | Yes |
| Zero-based budgeting | No | No | Yes |
| Rollover Capability | Yes | No | No |
Rocket Money offers users only one way to budget, while Copilot Money lets users organize their budgets in two different ways. WalletHub wins this category since it offers five different budgeting templates to choose from, letting users budget with their total income and expenses only or build budgets based on strategies like the pay-yourself-first method, the 50/30/20 rule, envelope budgeting, or micro-envelope budgeting. Users can also do zero-based budgeting by referencing the “Summary” section under the “Budget” tab in their WalletHub account.
Ultimately, budgeting on WalletHub is a lot more customizable to your needs.
Copilot Money vs. Rocket Money vs. WalletHub: Credit Tools
Winner: WalletHub
| Features | Copilot | RocketMoney | WalletHub |
|---|---|---|---|
| Credit Scores | No | Yes | Yes |
| Full Credit Reports | No | Yes | Yes |
| Daily Updates to Scores & Reports | No | No | Yes |
| Credit Builder | No | No | Yes |
| Credit Analysis | No | Yes | Yes |
| Enhanced Credit Report Insights | No | No | Yes |
| Why My Credit Score Changed | No | No | Yes |
| Credit-Improvement Plan | No | No | Yes |
| Credit Score Goals | No | No | Yes |
| Credit Score Simulator | No | No | Yes |
| Debt Payoff Plan | No | No | Yes |
| Debt Payoff Goals | No | No | Yes |
Both WalletHub and Rocket Money give you access to your credit score, your credit report, and credit monitoring. The two apps also provide a detailed analysis of the factors impacting your credit score.
Nevertheless, WalletHub takes the top spot in this category, since it has a credit builder feature that allows you to report your on-time rent and utility payments to TransUnion to build credit history. Rocket Money doesn’t have a credit builder feature, and Copilot Money doesn’t offer any credit management tools.
Copilot Money vs. Rocket Money vs. WalletHub: Identity Theft Protection
Winner: WalletHub
| Features | Copilot | RocketMoney | WalletHub |
|---|---|---|---|
| Credit Report Monitoring | No | Yes | Yes |
| Real-Time Credit Inquiry Alerts | No | Yes | Yes |
| Change of Address Alerts | No | No | Yes |
| Password Monitoring | No | No | Yes |
| Social Security Number Trace Alerts | No | No | Yes |
| Credit Lock (with alerts and scheduling) | No | No | Yes |
| Identity Theft Restoration | No | No | Yes |
| Dark Web Monitoring | No | No | Yes |
| $1,000,000 Identity Theft Insurance | No | No | Yes |
| Enhanced Loan Monitoring | No | No | Yes |
| Lost Wallet Assistance | No | No | Yes |
| USPS Address Monitoring | No | No | Yes |
| Bank Account Takeover Monitoring | No | No | Yes |
| Checking & Savings Account Application Alerts | No | No | Yes |
| Criminal Activity Monitoring | No | No | Yes |
| OFAC Sanctions List Monitoring | No | No | Yes |
| SMS for Urgent Alerts | No | No | Yes |
WalletHub and Rocket Money will monitor your credit report and alert you to suspicious activity. WalletHub has the edge, though, since it is the only app here that offers Social Security number trace alerts, dark web monitoring, identity theft insurance, and identity theft restoration services.
Copilot Money vs. Rocket Money vs. WalletHub: Investing & Retirement
Winner: WalletHub
| Features | Copilot | RocketMoney | WalletHub |
|---|---|---|---|
| Net Worth | Yes | Yes | Yes |
| Investment Tracker | Yes | Yes | Yes |
| Investing News | No | No | Yes |
| Sync Real Estate Values | Yes | Yes | Yes |
| Sync Vehicle Values | No | No | Yes |
You can use any of these three apps to sync your investments, so you can see your latest account balances and monitor how individual investments are performing over time. You can also track your net worth with any of these apps.
WalletHub wins here since it is the only one that allows you to get investment news directly from your account. Getting the latest news can help you make informed decisions about your investments.
Copilot Money vs. Rocket Money vs. WalletHub: Additional Features
Winner: WalletHub
| Features | Copilot | RocketMoney | WalletHub |
|---|---|---|---|
| Interactive Alerts | Yes | Yes | Yes |
| Custom Dashboards | No | Yes | Yes |
| Auto Insurance Score | No | No | Yes |
| Financial Timeline | No | No | Yes |
| App Store Rating | 4.8 | 4.5 | 4.8 |
| Google Play Rating | N/A | 4.6 | 4.7 |
| Details Loaded From Credit Report | No | Yes | Yes |
| Customer Support (like email/live chat/etc) | Email & in-app messaging | Email & Chat Support |
Both WalletHub and Rocket Money offer a customizable dashboard, but WalletHub also gives you a financial timeline that summarizes important alerts, along with access to both your auto insurance score and WalletScore. Your WalletScore incorporates your credit, spending, emergency preparedness, and retirement savings to give you a sense of how financially healthy you are. Copilot Money and Rocket Money do not offer these additional features.
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