Copilot Vs Truebill: Which Software Is Right For Your Business?
Copilot Vs Truebill: Which Software Is Right For Your Business?
Published at Jul 02, 2025· 7 mins Read
Written by
Sami Usman
Content Writer
Financial management can be a massive hassle for both individuals and companies alike. To help with this, many often utilize financial software to monitor expenses, optimize budgets, and eliminate waste—particularly in subscription-heavy ecosystems. Copilot and Truebill (now rebranded as Rocket Money) are examples of personal finance software that provide financial oversight. However, each software takes distinct approaches.
Copilot is a personal finance tool primarily designed especially for Apple users that excels at transaction categorization, cash-flow visibility, budget tracking, and AI‑driven expense predictions. It delivers a clean dashboard, device-native experiences, and smart automation.
Truebill, on the other hand, is software that focuses on subscription and bill negotiation features. However, it now provides a wide range of services—including automated savings, unlimited budgeting, credit‑score tracking, concierge‑led bill negotiation, and real‑time monitoring of recurring charges.
Hence, in this article, we’ll compare Copilot vs Truebill by examining their core capabilities, standout features, pricing models, and suitability for accounting teams. By the end, firms will have a clear understanding of which platform best meets their financial management needs.
Copilot Vs Truebill: At A Glance
Features
Copilot
Truebill
Subscription Management
Tracks subscriptions through its ‘Recurrings’ tool
Consolidates all subscriptions in one place, allowing users to view and cancel at their leisure
Spending Insights
Provides a visual, time-based breakdown of overall income, outflows, and net cash flow
Delivers spending insights through a streamlined interface that highlights top spending categories
Budgeting
Allows users to create monthly allocations alongside other tools such as rollovers and rebalancing
Offers a set of budgeting tools such as budget thresholds, spending alerts, etc.
Mobile App
Offers a mobile app exclusively for iOS systems
Provides a mobile app for both iOS and Android
Pricing
Starts at $13/month
Premium Membership starts around $6/month
What Is Copilot?
Copilot is an AI‑powered personal finance and expense management tool available on both macOS and iOS. It delivers a unified dashboard that enables users to track spending, manage budgets, monitor cash flow, and oversee investments—all within a native, Apple-centric environment.
Copilot is designed for individuals and finance-minded professionals who prefer working within the Apple ecosystem. It's especially valuable for those who want automated categorization, detailed spending insights, and secure financial tracking without being overwhelmed by enterprise-level accounting complexity.
Unique Features
Copilot Intelligence (AI-Powered Categorization): The platform utilizes machine learning to automatically categorize transactions based on your behavior
Advanced Budget Customization By Month: Copilot allows users to edit budgets on a per-month basis, plan future months, and retroactively adjust past budgets
Pros And Cons
Pros
Excellent UI, according to users
Integrated within the Apple ecosystem
Great for budgeting and tracking expenses
Cons
Cannot adjust/delete rules once you’ve made them by yourself
Syncing can be unreliable
What Is Truebill?
Truebill, now known as Rocket Money, is an all-in-one personal finance application available across mobile and web platforms. It performs a variety of tasks, such as monitoring expenses, automating savings, negotiating bills, tracking net worth, etc. However, its most salient feature is subscription monitoring, allowing its users to track and cancel any unwanted subscriptions.
Due to its extensive suite of features, Truebill is used by a wide audience, ranging from individuals to small business owners and accounting firms. Its subscription oversight and budgeting features are great for people looking to simplify personal finance, whereas its spending insights are a good fit for financial professionals seeking to help their clients.
Unique Features
Bill Negotiation Service: Users can submit bills (like internet or phone) for negotiation, and Truebill will attempt to reduce the cost by negotiating with providers on their behalf
Credit Score Monitoring: Truebill tracks and displays your credit score, along with full credit reports
Pros And Cons
Pros
Centralizes all bank accounts in one place
Useful in tracking subscription charges
Gives its users a clear financial snapshot of their situation
Cons
Many users state that the software can make misleading savings claims
According to some users, the concierge may impersonate the user during bill negotiation
Copilot Vs Truebill – Features Comparison
Subscription Management
Copilot manages subscriptions through its ‘Recurring’ tool, which allows users to create custom schedules for subscriptions, bills, rent, and other expected outflows. Transactions are then automatically flagged as recurring and marked with an ‘[R]’ tag when they match user-defined filters for merchant names, amounts, and frequency.
Users can fine-tune these filters, such as adjusting name patterns or date and amount ranges, to ensure precise tracking. This is very helpful, especially when dealing with multiple similar subscription charges (e.g., shared services or family accounts).
Conversely, Truebill takes a more direct and concierge-driven approach to subscriptions. The app scans linked accounts, identifies recurring charges, and presents them in a centralized list, giving users immediate visibility into ongoing expenses. Recurring bills that are not automatically detected—such as off-network payments—can be manually added and customized with name, date, frequency, and amount.
Truebill also offers concierge-assisted cancellation, having canceled over 2.5 million subscriptions on behalf of customers. Additionally, the app proactively highlights upcoming charges to prevent late fees or overdrafts, delivering both financial visibility and actionable efficiency.
Winner: While Copilot offers an adequate way to track subscriptions, Truebill provides a dedicated feature for both subscription tracking and cancellation. Thus, it won this round.
Spending Insights
Copilot provides spending insights through its cash flow section, offering accounting professionals a visual, time-based breakdown of income, outflows, and net cash flow. Users can monitor spending trends week-over-week or month-over-month, enhanced by interactive charts and metrics for more precise analysis.
The feature also allows for excluded transactions to be added back in, providing a fuller picture of actual spending—a massive boon for professionals who need accurate financial modeling. This, combined with ‘Copilot Intelligence,’ means that the system becomes progressively more accurate, making periodic financial reporting smoother and more efficient.
On the other hand, Truebill delivers spending insights through a streamlined interface that highlights top spending categories immediately upon login. It does so by connecting with the user’s bank account and identifying areas where users can adjust their spending habits. Truebill also offers real-time alerts for key events such as low balances or upcoming charges, ensuring firms are kept aware of cash flow risks.
These capabilities position Truebill as a proactive advisor, not just an analytical tool—sending alerts and recommendations so accountants can implement corrective actions swiftly.
Winner: Copilot’s cash flows, coupled with Copilot Intelligence, provide a comprehensive spending insight model. Therefore, it wins this category.
Budgeting
Copilot’s budgeting suite offers accounting professionals granular control over category-specific budgets. This allows users to create monthly allocations that are either the same throughout the year or different depending on the month. Users can also customize each month individually, including backward adjustments for historic data and forward projections up to 12 months—with expected recurring automatically factored into future estimates.
The app includes rollover support, carrying unused amounts or overages into subsequent months. In addition, it also provides a rebalancing tool to redistribute funds across categories based on actual spending while keeping the total budget intact. This flexibility is invaluable for accounting teams dealing with seasonal expenses, variable cash flow, or project management scenarios.
In a similar manner, Truebill delivers an intuitive, goal-focused budgeting framework grounded in automatic transaction analysis. After linking accounts, the app estimates users’ monthly income and expenses and then recommends budget limits per category, which users can refine via slides or manual entry.
The platform also provides historical spending breakdowns, alerts for approaching budget thresholds, and goal trackers for savings or spending categories. Budget monitoring includes real-time notifications when nearing limits, and users can create custom categories to match unique accounting needs.
Winner: Copilot wins this round as it offers more in terms of budgeting tools.
Mobile App
Copilot offers a mobile app exclusively for the iPhone and iPad, complementing its macOS interface with fully native design and performance. The app includes secure, bank-level encryption and supports OAuth, Plaid, and Finicity integrations for seamless account syncing.
It also offers advanced features like transaction auto-categorization, customizable alerts, and subscription tracking, allowing users to manage their finances on the go.
Meanwhile, Truebill offers a mobile app for both iOS and Android. It provides a variety of features, such as transaction tracking, subscription oversight, and bill negotiation. The app also generates spending summaries, balance alerts, custom budgets, and net worth tracking. Premium users benefit from concierge services and deeper customization via multiple budget categories and slider controls—all from a responsive, user-friendly interface.
Winner: It’s a tie as both software offers a well-functioning mobile app.
How Do Copilot And Truebill Differ In Terms Of Pricing?
Copilot offers an asking price of $13/month. It also offers a free trial so that users can try the software out first and get a feel for it themselves.
Disclaimer: The pricing is subject to change.
In contrast, Truebill is mostly free to use. However, users requiring more advanced features such as bill negotiations need to pay for a Premium Membership. While the price for this can vary at times, it’s normally around $6-12/month. Like Copilot, Truebill also offers a free trial, albeit only for 7 days.
Disclaimer: The pricing is subject to change.
Which One To Choose – Copilot Or Truebill?
When it comes to selecting the right personal finance tool, both the above software have their perks and drawbacks.
Copilot is a great fit for users who value customization, privacy, and precision. With native Apple integration, advanced budgeting tools, and intelligent transaction categorization, Copilot caters especially well to users who prefer a more hands-on, detailed approach to managing their finances.
However, users looking for a personal finance platform with a wider range of features may find Truebill more suited to their needs. In addition, it also has wide device compatibility and concierge support, making it a practical choice for individuals and professionals looking for hands-off financial management.
Ultimately, choosing between the two depends on how much control you want over your financial data versus how much you’d like the app to handle you. Whether you prefer the structured insights of Copilot or the proactive assistance of Truebill, the best choice will come down to aligning features with your financial workflow and personal preferences.
However, if neither software is a good fit for your situation, try browsing for adjacent software such as Monarch Money or Quickbooks.
