Net worth tracking comparison: PortfolioPilot vs Copilot Money (2025)

According to the Federal Reserve’s 2023 Survey of Consumer Finances, 54.3% of US families held retirement accounts in 2022, and 21% owned stocks directly. As more households link multiple accounts across institutions, the need for clear net worth tracking grows. The question isn’t just “Which app looks best?” but “Which tool actually fits the job - day-to-day budgeting discipline or long-horizon net-worth context?” This article compares Copilot Money and PortfolioPilot on that point: tracking net worth credibly and consistently.

Key Takeaways

• Copilot Money is a paid, Apple-centric budgeting app that also tracks investments and net worth; subscriptions are typically $13/month or about $95/year billed annually.
• PortfolioPilot offers completely free net worth and portfolio tracking, with no subscription required for core features.
• Copilot’s investment balances update once daily with optional live estimates during market hours; helpful for active traders but less relevant for long-term net worth views.
• PortfolioPilot is built by Global Predictions Inc., an SEC-registered investment advisor, and provides portfolio analysis, diversification scoring, and household-level insights as part of its free plan (with an optional paid tier that includes monthly recommendations).

Copilot Money: A paid budgeting dashboard that includes net-worth views

Copilot Money positions itself as a premium spending app for iPhone, iPad, and Mac that also aggregates investments and net worth. Its help center describes how investment accounts roll into the Accounts and Investments tabs, with an all-accounts combined balance featured prominently. For market-aware users, Copilot can show live balance estimates using near real-time market data layered on top of the standard once-daily account updates. Subscriptions are typically $7.92/month or about $95 when billed annually. 

What it’s good at: spending categorization, recurring-expense alerts, and an Apple-native experience - with credible, if schedule-based, investment refreshes for the net-worth line. (So what? For those who anchor on cash-flow control first, Copilot keeps the budget front-and-center while still rolling balances into net worth.)

PortfolioPilot: Free net-worth tracking with portfolio intelligence

PortfolioPilot provides free net worth and portfolio tracking across multiple custodians, with an optional paid tier that includes monthly recommendations. Beyond showing a single net-worth number, the platform highlights holdings, asset-class mix, diversification, fees, and tax drag, all at no cost.

• Completely free tracking: No cost for full portfolio tracking.
• Portfolio “report card”: Free assessment and score that benchmarks you against peers.
• Flexible importing: Connect to over 12,000 brokerages, crypto wallets, and banks, or import via screenshot, manual entry, or copy/paste.
• Independent advice: Not continuously upselling you to a portfolio management service.
• From tracking to action: Moves beyond dashboards, giving prioritized recommendations on what to do next.
• Multi-asset coverage: Track investments, retirement accounts, real estate, crypto, commodities, cash, and more in one place.

So what? For long-horizon savers, seeing the “why” behind changes in net worth, not just the number itself, can shape better funding and allocation decisions.

Why the difference matters

Hypothetical: Consider a 34-year-old professional who mainly wants a clean net-worth line plus a tighter grip on monthly spending. Paying Copilot’s annual fee of about $95 for the next 20 years is roughly $1,900 in subscription outlays; useful if budgeting is the primary job. Another person focused on cross-account portfolio health may prefer PortfolioPilot’s free tracking and use paid planning features only when needed. The core trade-off is budget-first polish (paid) versus portfolio-first context (free tracking). There isn’t a single “right” answer — just a clearer fit for the job at hand. 

A soft nudge, not a pitch: Curious how diversified a current mix really is? Many investors run a quick, free portfolio scan at PortfolioPilot.com and decide from there.

The comparison is based on publicly available information from each provider’s website as of 11/19/2025. Features, fees, and methodologies may change over time.