Net Worth Nexus and Copilot
An Apple-platform spending and net worth tracker, and one of the best-looking apps in the category, an Apple Design Awards finalist in 2024.
The short answer
Copilot is the better daily-spending app and the better-looking one. Its App Store listing describes investment tracking as performance, intra-day updates and benchmarking against indexes, which is a mark-to-market view. The closed-trade side of the ledger is what we build, at about two-thirds of the price.
What each one costs
Free plan with up to 10 manual accounts and net worth tracking, no card. Pro at $4.99 a month, $59.88 a year, adds investment sync and the realized P&L engine. Nexus at $9.99 adds banks and cards.
The App Store lists in-app purchases at $13.00 monthly and $95.00 yearly, after a one-month free trial. No free plan.
Investment analytics
What the app can tell you about trades you have already closed.
Realized gain and loss per position
Unrealized change tells you what a holding is worth today. Realized tells you what you actually made or lost when you sold.
Per-position realized gain and loss, FIFO lot matched, on the Pro plan.
Copilot's App Store listing describes investment tracking as “View performance, intra-day updates, and benchmark against market indexes”. Realized gains are not named there.
apps.apple.com/us/app/copilot-track-budget-money/id1447330651Lot matching method stated
Two engines can report different gains on identical trades depending on which shares they treat as sold. The method has to be stated to be checkable.
FIFO, applied per position and per account, and named in the interface.
No lot-matching method is named on Copilot's App Store listing or pricing page.
apps.apple.com/us/app/copilot-track-budget-money/id1447330651Options as contracts
One contract is a hundred shares. An engine that treats it as one unit reports a cost basis off by a factor of a hundred.
Contracts matched through expiration, assignment and exercise, at the correct per-contract multiplier, including mini options.
Options are not named in Copilot's App Store investment-tracking description.
apps.apple.com/us/app/copilot-track-budget-money/id1447330651Options behaviour analytics
Whether you are paid for the risk you take: which expirations earn, whether you average into losers, how long you sit on winners versus losers.
Yield by expiration horizon, averaging up versus down, and hold-time difference between winners and losers.
No options analytics are described on Copilot's published pages.
apps.apple.com/us/app/copilot-track-budget-money/id1447330651Stock splits detected
A four-for-one split multiplies your share count without a trade. An engine that reads it as a purchase corrupts every gain figure for that holding from then on.
Forward and reverse splits are detected and the affected position is flagged as unadjusted.
Corporate actions and splits are not mentioned on Copilot's published pages.
apps.apple.com/us/app/copilot-track-budget-money/id1447330651Refuses a number it cannot stand behind
The failure that costs you money is not a missing number. It is a confident wrong one.
A position whose P&L the engine cannot stand behind is labelled and left out of the totals and the win rate, rather than shown as a result.
No data-completeness labelling is described on Copilot's published pages.
apps.apple.com/us/app/copilot-track-budget-money/id1447330651Everyday money
The job Copilot is built for.
Spending and categorisation
The day-to-day work of knowing where money goes.
No spending categorisation, budgets or transaction review.
Transaction tracking and categorisation are the core of the product, alongside budgeting.
copilot.money/pricingDesign recognition
Not a feature, but an honest read on craft.
No awards. We launched in 2026.
App Store Editor's Choice in Personal Finance and an Apple Design Awards finalist in 2024, with a 4.8 rating across 30,000+ ratings.
apps.apple.com/us/app/copilot-track-budget-money/id1447330651Coverage and access
What each one connects to, and where you can open it.
Where it runs
Copilot is an Apple-first product; we are web-first with an iPhone app.
Web and iPhone. No tablet app, no Mac app, no Android app.
Trying it without paying
Whether you can see your own numbers before entering a card.
A free plan with up to 10 manual accounts and net worth tracking, with no card. A demo with sample data opens without an account at all.
networth.nexus/featuresCost of the investment analysis
The like-for-like number.
Pro is $4.99 a month, $59.88 a year, and carries the full realized P&L and options engine.
networth.nexus/features$95 a year, or $13.00 a month, for the whole product.
apps.apple.com/us/app/copilot-track-budget-money/id1447330651Where Copilot is the better choice
Not a formality. If one of these is what you came for, buy theirs. You will be happier, and we would rather you found that out here than after a refund request.
Apple Design Awards finalist, Editor's Choice, 4.8 across 30,000+ ratings. Copilot is a genuinely beautiful app and we would not pretend otherwise.
Copilot runs on iPhone, iPad, Mac and Web. Our iOS app is iPhone-only and there is no Mac app.
Transaction categorisation and budgeting are Copilot's core competence. We do not have them at all.
Copilot's App Store listing shows version 8 and 30,000+ ratings. We launched in 2026.
Where every figure came from
Each page below was opened and read on the date shown. Nothing here is quoted from memory, a review site, or Copilot's marketing elsewhere.
Rows describing Copilot always cite a page. Rows describing Net Worth Nexus mostly do not. We are the primary source for our own software, and a link back to our own marketing would not make the claim any more checkable. The demo is the honest version of that check: it runs the real interface, and you do not need an account to open it.
- Net Worth Nexus planshttps://networth.nexus/featuresRead September 2, 2026
- Net Worth Nexus connection coveragehttps://networth.nexus/connectionsRead September 2, 2026
- Copilot: Pricinghttps://copilot.money/pricingRead September 2, 2026
- Copilot on the App Storehttps://apps.apple.com/us/app/copilot-track-budget-money/id1447330651Read September 2, 2026
Compare something else
Copilot is a trademark of Copilot Money, Inc.. Net Worth Nexus is not affiliated with, endorsed by, or sponsored by Copilot Money, Inc.. Product names are used here only to identify the products being compared. Every statement about Copilot describes what its own published pages said on the date shown beside that source, and prices and features change, so check the linked page before deciding.
See it against your own numbers.
The demo runs the real interface on sample data. No account, no card, no email.