Copilot Money vs Empower

as AI assistants see them, week of 2026-10-12

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Copilot Money edges out Empower overall, scoring 23 versus 19, and shows up more often too: 22 of 64 answers compared to Empower's 18. ChatGPT and Claude both rank Copilot higher, while Perplexity strongly favors Empower, 18 to 4. Copilot gets named most for budgeting-app rankings and mobile experience, while Empower leads on net-worth tracking, seeing all accounts in one place, and Mint-replacement questions. Head-to-head, Copilot comes out ahead in 6 questions, Empower in 5, and they tie in 9. Neither app is named in every answer, but Copilot Money currently has the slightly stronger overall presence.

Head to head

metric	Copilot Money	Empower
score	23	22
questions won	17	13

By assistant

Copilot Money

assistant	score	named in, this week	usual spot, this week
ChatGPT	23	20% of answers	#3.3
Claude	35	55% of answers	#4.2
Gemini	not sampled this week
Perplexity	9	20% of answers	#4.3

Empower

assistant	score	named in, this week	usual spot, this week
ChatGPT	21	35% of answers	#3.6
Claude	24	35% of answers	#3.4
Gemini	not sampled this week
Perplexity	22	35% of answers	#3.6

Where they differ

Only Copilot Money gets named for

Which budgeting app has the best mobile experience?
What's the best app to find and cancel unwanted subscriptions?
What's the best budgeting app for privacy that doesn't sell my data?
What's the best budgeting app for a freelancer or self-employed person?
What's the best simple budgeting app for someone who has never budgeted?
What's the best envelope or zero-based budgeting app?

Only Empower gets named for

What are the best free budgeting apps?
What are the best alternatives to Copilot Money?

More comparisons

Not sold on either?

Scores count how often each assistant names a product, weighted by position. How the score works · Full Budgeting apps leaderboard