Promi vs. Copilot Money
Both read this month well.
Copilot and Promi are close on the daily review: good categorization, real investment tracking, an app worth opening. They separate on the thirty-year question.
Where they overlap
Copilot and Promi overlap more than either overlaps with a spreadsheet. Both use Plaid, both categorize with a model rather than a rule table, both track investments per holding, and both are built for someone who actually opens the app instead of skimming a monthly email.
Copilot's categorization is good and its interface is among the best in the category. On the month you are currently living in, the two tools are closer than this page can make them sound.
Feature by feature
| Promi | Copilot Money | |
|---|---|---|
| Only in Promi | ||
| Monte Carlo retirement sims (1,000+ runs) | ||
| Historical recession backtest | ||
| Multi-source income projection (SS + pension + other) | ||
| Side-by-side scenario comparison | ||
| 5 FIRE variants (Lean/Coast/Barista/Fat/Trad) | ||
| Tax-aware drawdown, Roth ladder, 72(t) | ||
| FIRE auto-tracking on dashboard | ||
| Peer cohort benchmarking | ||
| Local Census comparison | ||
| Pre-filled local-cost-of-living budgets | ||
| Interactive demo (no sign-up) | ||
| Shared features | ||
| Bank connections (Plaid) | ||
| AI transaction categorization | ||
| Budgeting + cash flow | ||
| Per-holding investment tracking | ||
| In-context education on every page | partial | |
| Household / couples support | partial | |
| No advisor upsell, no affiliate kickbacks |
Comparison based on publicly available information as of September 7, 2026. Product features may have changed. Check each provider's website for current capabilities.
What Promi adds
Promi adds the long-horizon layer: Monte Carlo retirement simulation at 1,000 runs, a historical recession backtest, tax-aware drawdown with Roth conversion ladders and 72(t) modeling, and five FIRE variants tracked against live balances rather than a saved snapshot.
It also brings in data from outside your own accounts. Peer cohort benchmarks are drawn from Federal Reserve and Census sources, and budget targets arrive pre-filled from Bureau of Labor Statistics spending surveys scaled to your metro, so a category starts with a number and a source behind it rather than your own six-month average handed back to you.
What it costs
Promi is $13.99 a month, or $139.99 a year, which works out to $11.67 a month, with the budgeting, investment tracking and retirement modeling in one subscription.
Look thirty years out
No sign-up required. Explore the full app with realistic demo data.
Launch Interactive Demo