Copilot is beautifully built.
Fred is the one flying.
Copilot has earned its design reputation, especially on Apple devices. But it is a tracker. It shows you your synced accounts, beautifully, and everything after that is yours to work out. Fred works it out instead.
The short version
Copilot is Apple-first, on iPhone, iPad, Mac, and the web with no Android app, and it is built around synced accounts. It categorizes what you spent and presents it beautifully, and then the understanding is yours to do. Last month arrives sorted into nineteen tidy categories, and whether you can book the flight on Friday is not in any of them. Fred works that out. He already knows your numbers, so you are not typing your finances into a chatbot at midnight or trusting an answer a stranger wrote for a different life. He builds the plan, keeps it current, and asks before he changes anything, from any browser, on any device, at any bank.
Want the money work done for you?
Trial for freeBuilding your budget
Keeping it current
Every payday
Logging an expense
Going over budget
A what-if question
A subscription creeping up in price
Knowing what is safe to spend today
Deciding
Built for
Works in Canada
Devices
Bank linking
Built-in Canadian take-home pay calculator
Investment holdings tracking
Billed in
Price
| Feature | deezbills | Copilot |
|---|---|---|
| Building your budget | Fred builds it from a few questions about your life | You build it from your synced categories |
| Keeping it current | Fred updates it as bills, pay, and prices change | The sync keeps the data current. The budget is yours to maintain |
| Every payday | Fred maps your paycheck across bills, goals, and debt | You decide where it goes |
| Logging an expense | Text Fred or forward the receipt. He files it | Categorized for you to review |
| Going over budget | Fred covers it and tells you what he moved | You rebalance it yourself |
| A what-if question | Fred checks it against your real plan | You work it through yourself |
| A subscription creeping up in price | Fred spots it and flags it | Listed for you to spot |
| Knowing what is safe to spend today | Fred keeps one number current | You read the feed and decide |
| Deciding | Still yours. Fred asks first, and nothing moves without your OK | Yours, along with all of the above |
| Built for | Canada first, any device | Apple-first, synced-account workflow |
| Works in Canada | Built Canada-first | Depends on connection coverage |
| Devices | Any browser, any device. iOS and Android apps on the roadmap | iPhone, iPad, Mac, and web; no Android app |
| Bank linking | None, by design | Core to the experience |
| Built-in Canadian take-home pay calculator | Yes | No |
| Investment holdings tracking | Balances only today; automated tracking on the roadmap | Holdings tracking |
| Billed in | CAD | USD |
| Price | $17.99 CAD/mo or $149.99 CAD/yr, 14-day trial | $13 USD/mo or $95 USD/yr |
Pricing and platform availability checked June 2026; both may change. Copilot connects accounts through aggregators including Plaid, Mastercard, MX, and Akoya; coverage varies by institution. Copilot and all product names mentioned are trademarks of their respective owners; deezbills is not affiliated with or endorsed by any of them.
Ready for the work to be done for you?
Trial for freeSo who is Fred?
Fred is the financial copilot inside deezbills. He works in any browser, on any device, at any bank, and he never needs a synced account to do it. He builds the plan, keeps it current, and tells you what is safe to spend. He suggests, you approve, and nothing changes without your OK.
These are real answers from real runs, not scripts written for this page. Press play, or watch the video.
Actual Fred responses from a synthetic Smith family profile.
Does Copilot Money work in Canada?
It depends. Copilot connects accounts through aggregators such as Plaid, Mastercard, MX, and Akoya, so how well it works in Canada depends on connection coverage for your institutions. deezbills is built Canada-first and never needs a bank connection at all, so it works fully in Canada from day one: CAD pricing, federal and provincial tax math, and spending captured by Gmail, receipts, statements, or texting Fred.
Does Copilot Money have an Android or web version?
Copilot is available on iPhone, iPad, Mac, and the web, with the experience deepest on Apple devices; there is no Android app. deezbills is web-first: the full product works in any browser on any device, including Android, and native iOS and Android apps are on the roadmap.
How much does deezbills cost compared to Copilot?
Copilot is $13 USD a month or $95 USD a year, billed in US dollars. deezbills is $17.99 CAD a month or $149.99 CAD a year, billed in Canadian dollars with a 14-day free trial. At typical exchange rates the yearly totals land close together; the difference is what you get. Copilot is a beautifully designed tracker over synced accounts, deezbills is a plan that runs itself and tells you what is safe to spend today. Prices checked June 2026 and may change.
Is deezbills as well designed as Copilot?
Copilot has earned its design reputation and we respect it. deezbills takes the same care and points it at a different goal: not the most beautiful charts, but the calmest possible answer. One number, a plan that maintains itself, and Fred explaining what changed and why. We think the most premium feeling in a money app is not having to think about it.
What does deezbills do that Copilot does not?
Three things, honestly stated. It works in Canada, with real Canadian tax and paycheck math. It works without bank linking, so your credentials stay with your bank and spending arrives by Gmail capture, receipt photos, statement uploads, SMS, or quick add. And the plan keeps working: Fred maintains it, shows you where each paycheck should go, and models what-ifs before you commit. Copilot counters with native Apple polish and automatic bank feeds; if that is your world, it is a fine choice.