Is MoneyPilot Legit? What It Costs and How to File the Same Claims for Free

Short answer: yes, MoneyPilot is legit. It's a real app that files real class action claims.

Is it worth paying for? For most people, no. Every claim it files is one you can file yourself for free, and MoneyPilot says so on its own site.

One thing up front. We run a free settlement list, so we're obviously not neutral here. So everything below comes from MoneyPilot's own pages and its App Store listing, read on October 11, 2026. Check any of it yourself.

What Is MoneyPilot?

MoneyPilot (a lot of people search for it as Money Pilot) is an app and website that matches you to open class action settlements and files the claim forms for you.

You answer a short quiz, it shows which settlements you match, and once you subscribe it fills out and submits the forms. It tracks each claim and tells you when one pays, and it also has a subscription scanner that connects to your bank through Plaid to look for charges you forgot about.

Behind it is a company called MG Labs Limited, which its own site says is incorporated in Hong Kong. Billing runs through a U.S. company, Bloom Processing LLC.

Is MoneyPilot Legit?

Yes. It's not a scam.

It files into settlements a court has already approved, it is not a law firm, and it takes 0% of your payout. A settlement administrator decides if you qualify and pays you directly, the same as if you'd filed on your own.

MoneyPilot's site lists 4.5 out of 5 on Trustpilot from 1,330 reviews, 4.4 on the App Store and 4.7 on Google Play. Those are its own numbers, which it says it checked on October 8, 2026.

So the complaints you see aren't really about whether it's real. They're about the price.

How Much Does MoneyPilot Cost?

This part takes some digging, because MoneyPilot's website doesn't print its prices and says the price for each plan shows up in the app after you finish the free eligibility check.

Its App Store listing does show them. Here's what it listed for in-app purchases on October 11, 2026:

That listing also shows a cheaper Premium tier at $9.99 a month, $34.99 a quarter and $49.99 for six months. The price you're shown after the quiz could be different from these, so read the checkout screen before you tap anything.

MoneyPilot says you can cancel any time, that claims already filed keep going after you cancel, and that refund requests can be made within 30 days of billing.

Is MoneyPilot Worth It?

Here's the math, using MoneyPilot's own figures.

Its site says a typical new user matches three to four open settlements at signup. It puts typical payouts at $25 to $150 for a data breach case, $5 to $75 for a consumer product case and $5 to $30 for an app billing case.

Say you match three and they pay $30, $20 and $10, which adds up to $60, and on the monthly plan you'd pay about $240 over a year to collect it.

And the payouts take a while, because settlements usually pay months after the deadline and sometimes more than a year later, and the subscription bills the whole time you stay signed up.

Could you come out ahead? Sure, if you match a bigger case. But you'd come out even further ahead filing that same case yourself, because the payout is identical either way and you skip the subscription.

MoneyPilot is upfront about that. Its own page on whether it's legit says: "Filing it yourself returns exactly the same money."

Bottom line: you're paying for convenience, and it's a lot to pay for filling out a form.

How to File the Same Claims for Free

Filing a class action claim is always free. The money comes from the company that got sued, not from you.

It's pretty easy to do yourself:

1. Open the list of open class action settlements and skim for companies you've actually used.
2. Start with the no proof settlements. No receipts, you just attest that you qualify.
3. Click through to the official settlement site and fill out the form. Most take a few minutes.
4. Save the confirmation number.

Not sure where you'd even match? The free quiz does the matching part in about a minute. And if you've never filed one before, here's how to file a class action claim step by step.

Comparing claims apps before you pay for one? Sparrow charges $84 a year and carries a 1.6 out of 5 on Trustpilot, which is worth reading before you sign up to anything. There is also SettleMate, cheaper at $39.99 a year, though its terms reserve a success fee its pricing page does not mention.

So what are you giving up? Just having someone else type your name and address into the form.

MoneyPilot vs Filing Yourself

What Do MoneyPilot Reviews Say?

Both ends of the reviews make sense once you know how it works.

Happy reviews are about finding settlements people had never heard of and how easy the filing was, and the unhappy ones are mostly about two things: paying for claims they could have filed for free, and trouble canceling. MoneyPilot describes its own one-star reviews the same way.

Notice what's missing? Almost nobody says the claims were fake. That lines up with everything else here. The app does what it says. The question is the price.

Who Should Actually Pay for It?

It's not for nobody.

If you know you'll never sit down and file a claim yourself, a filed claim beats an unfiled one. Same if you've moved a lot and settlement notices never reach you, or you'd happily pay to never think about it.

If that's you, look at the half year plan. It's listed at about half the yearly cost of going month to month. And set a reminder to cancel if nothing has paid.

Everybody else should file the free way first. You can always pay later if you find out you hate doing it.

Comparing all three against doing it yourself? That is the class action app comparison, with every price and rating in one table.

Frequently Asked Questions

Sources, all read October 11, 2026: MoneyPilot's page on whether it is legit, its pricing page and its App Store listing.