deezbills vs Copilot Money

See your money clearly. Know what to do with it.

Copilot Money offers polished financial tracking and an AI Money Assistant. Fred brings research, planning and approved actions together to help you make decisions that fit your life.

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Copilot Money

Not available in Canada

Copilot Money is available in the US and supports US-based financial institutions and accounts only.

Copilot Money offers polished spending, subscription, investment, and net worth tracking. Its Money Assistant beta answers questions about your financial data. It supports US financial accounts and is available on iPhone, iPad, Mac, and the web.

Copilot Money’s FAQ

deezbills, with Fred.

Available in Canada

Built for Canadian financial decisions, with research into relevant tax rules, account options and government programs. No bank login needed to get started.

When you ask what your family needs, Fred considers the income, bills, debts and priorities behind the question. He researches relevant rules, works through the numbers and explains a practical strategy. With your approval, he can create goals, adjust allocations and organize financial records in deezbills.

Meet Fred

Copilot Money is a strong option for tracking US accounts in a polished app. Choose Fred if you want a financial copilot for decisions and follow-through, including Canadian financial context. Both offer AI, so compare the actual work you want help with.

Why choose Fred?

Financial help should make life easier, without asking you to become an expert first.

Bring a question you actually have.

“We just had a baby. What should we adjust?” is enough to start. Fred can look at the connected decisions and ask for the details he needs, without expecting you to arrive with a strategy.

Include the rules that affect you.

Canadian tax rules, account conditions and government programs can change which route makes sense. Fred researches relevant sources and explains how they apply to the circumstances you share.

Spend less time maintaining the plan.

Fred can help organize bills, expenses, goals and spending allocations. You review supported changes through approval controls, then return when you need to adjust.

Working out an emergency fund with Fred

See Fred use a Canadian couple’s financial picture to recommend an emergency cushion as they prepare for life with a baby.

Hi Fred. We just had a baby. I'm wondering how much should our emergency fund be? Anything else we should adjust?

Congratulations to you and Ben, Sarah!

I’d aim for about $26,000 in emergency savings, as a provisional target while you’re on parental leave. Your budget has $4,240 a month for bills and essentials, so that’s roughly six months of cover. I’d lean toward six rather than three with a newborn, within the FCAC’s general guidance. Baby costs aren’t clearly included yet, so we should revisit the target once those settle.

Your Emergency Savings has $18,000 recorded, covering about four months on that basis. That’s a substantial starting cushion, with about $8,000 left to build toward the provisional target. I wouldn’t move all $8,000 from Everyday Chequing to finish it immediately; that money also covers bills between paydays. Keep emergency money accessible in savings, rather than exposed to investment losses.

The other adjustments I’d prioritize are:

  • Update the family budget: Add diapers, feeding supplies and other regular baby costs. Set aside money separately for any predictable income drop during leave. Also, your $1,200 “Retirement saving” allocation is currently treated as spending in deezbills; I’d separate it into a savings goal so it doesn’t look like spending money.
  • Check the child-benefit application: If you didn’t apply through birth registration, the CRA lets you apply through your account. Don’t count an expected benefit as available cash yet.
  • Review family protection: Check life insurance for both of you, disability coverage and adding your baby to workplace health benefits. Review your RRSP and TFSA beneficiaries, and arrange wills and guardianship wishes with an Ontario lawyer if that isn’t already done.

When does your current parental-leave pay end or step down? That’s the key missing piece before choosing how quickly to build the extra cushion.

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A closer look.

deezbills plans and pricing

A strategy with steps that work together

Fred can work backwards from your goal and explain how each decision affects the next. For a first home, he can compare account choices, contribution timing, potential tax savings and withdrawal conditions, then weigh them against debt costs, expected returns, risk and the cash you need available. He recommends an order for the steps and explains what it means for your other goals and lifestyle. You can see both the potential benefit and what you would be giving up.

How Fred does the work

Fred combines advanced AI models with financial tools, source research and the context you keep in deezbills. He can gather information, work through calculations and carry out approved changes across several steps. Permissions limit what he can access, and changes are checked before he reports them as complete.

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Fred is an AI financial copilot, not a licensed financial advisor. He can make mistakes and does not replace advice from a qualified professional.