Spending targets by store, and a health score built in.
Copilot is known for polished organization. Warm adds merchant budgets, a financial health score, and low-runway alerts.
| At a glance | Warm Plus | Copilot |
|---|---|---|
| Investment and crypto tracking | Yes | Yes |
| Cash flow analysis | Yes | Yes |
| Financial health score | Yes | No |
| Category budgets | Yes | Yes |
| Billed yearly | $60 | $95/year |
| Billed monthly | $6 | $13/month Standard individual rate |
Plus covers up to 2 bank logins. Pro is $200 yearly or $20 monthly for up to 10. All prices in US dollars. Standard individual subscription rates; checked 2026-10-07. Source: Copilot pricing (checked 2026-10-07) .
What is different about Warm.
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Set targets for specific stores.
Merchant budgets show how your spending at each store compares with the target you set.
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See a financial health score.
A score from 0 to 100 on every plan shows where you stand at a glance.
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See when available cash may run low.
Warm can show an account alert when available cash may run low. You can dismiss the alert.
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Find the cancel page faster.
Matching subscription rows link to cancel pages for supported services.
Common questions. Straight answers.
How is Warm different from Copilot?
Warm focuses on a web dashboard for organizing the full financial picture, CSV/OFX import, and API and local MCP access with approved Warm record automation for supported AI clients. Both paid plans include API and MCP access; Plus and Pro differ by bank login limits.
How does Warm pricing compare to Copilot?
Warm publishes its Plus and Pro prices, bank login limits, and included features on its pricing page. Plus includes CSV import and bank sync for up to 2 institutions. Plus includes up to 2 bank logins. Pro includes up to 10 bank logins. Each bank login can include several accounts.
Is Warm as well-designed as Copilot?
Copilot is known for its design. Warm uses a calm, focused interface for reviewing the whole financial picture, without presenting itself as a replacement for Copilot's exact experience.
Does Warm support the same banks as Copilot?
Warm connects to US banks. Availability varies by bank, account type, and connection status.