Which one should you choose?

Choose Orbit if your main goal is to track subscriptions, free trials, recurring bills, and renewal dates with as little noise as possible. Choose Copilot Money if you want a wider personal finance app that covers accounts, spending, investments, net worth, and recurring payments inside one larger system.

That difference matters more than design taste. These products are solving different jobs.

What Copilot Money is built for

Copilot's own site describes it as a money app for accounts, spending, investments, and net worth, available on iPhone, iPad, Mac, and Web. Its help center also treats recurring payments as one tab inside that broader product, not the whole product.

That means Copilot can be a strong fit if you want:

  • linked accounts
  • category budgeting
  • spending analysis
  • broader household money visibility
  • recurring bills as part of a full money workflow

If that is the job, Orbit is intentionally narrower.

What Orbit is built for

Orbit is built around subscription clarity. The point is to see recurring commitments before they become background noise again.

Orbit is the better fit when you:

  • want a subscription tracker, not a broad finance dashboard
  • care most about renewals, free trials, and annual plans
  • want a more focused review habit on iPhone
  • prefer to build your list from the subscription evidence you already have

Orbit also supports Magic Import, which helps you turn screenshots, CSVs, and bank statements into reviewable subscription candidates before saving them.

The practical workflow difference

Copilot's recurring feature is tied to the wider account-and-transaction model. Its help center describes recurring items as filters built from existing transactions. That can work well when your finances already live inside Copilot.

Orbit starts from a different assumption: many people want a cleaner subscription system without making a broad finance app the center of everything. That is why Orbit works well for people coming from scattered notes, statements, screenshots, email receipts, and App Store subscriptions.

If your subscriptions are spread across work tools, family services, streaming plans, and old annual renewals, a focused tracker is often easier to keep current.

Pricing and product shape

As of June 2, 2026, Copilot's public site shows a yearly plan priced at $95 billed yearly, or $13 monthly. Orbit's US App Store listing is free to download with in-app purchases, including an annual Orbit Plus option and lifetime purchase options listed in the store.

That does not make one automatically cheaper for every person, because App Store pricing can vary by region and Copilot also supports direct billing. It does highlight the category difference: Copilot is sold as a full personal finance product, while Orbit is a narrower subscription tool.

Which one feels lighter to maintain?

Orbit usually feels lighter when the recurring-charge problem is the main problem. You add the subscriptions you want to track, set reminders, and review renewals before they happen.

Copilot usually makes more sense when subscriptions are only one piece of a broader money workflow you already want.

If you want the broader category comparison first, read focused subscription tracker vs budgeting app. If your main issue is setup, Magic Import and finding subscriptions from statements and receipts are the better next reads.