# Alternatives to Copilot Money Design-forward Apple budgeting. Copilot Money ranks #12 of 14 in Budgeting apps, with an Alt Score of 60. It is proprietary, sold by subscription from $95/year and available on macOS, iOS and Web. 9 of 10 checklist rows are verified against a public source. Source: https://altcatalog.com/alternatives/copilot-money/ Category: Budgeting apps ## Where Copilot Money stands out - **Subscription price** — 6 of 14 apps with a verified answer have this ## Overview - **Who it's for**: People who want a single app to track spending, stick to a budget, and monitor investments and net worth across their bank, credit, and brokerage accounts. - **What you get**: Automatic AI-powered categorization of transactions that improves over time, budgets with unused-fund rollover, subscription and recurring-charge detection, and a consolidated view of cash, stocks, crypto, and real estate with net worth and portfolio performance tracking. - **How it works**: You link your bank, credit, and investment accounts (plus optional real estate via Zillow), and Copilot pulls transactions into a unified dashboard, auto-tags spending, and surfaces a daily summary of spending, bills, and budget status. ## Profile - **License**: Proprietary (verified 2026-07-11) - **Pricing model**: Subscription (verified 2026-07-11) - **Starts at**: $95/year (verified 2026-07-11) - **Platforms**: macOS, iOS, Web - **Status**: active (verified 2026-07-11) ## Ranked alternatives | # | App | Alt Score | Licence | Platforms | |---|-----|-----------|---------|-----------| | 1 | [Lunch Money](https://altcatalog.com/alternatives/lunch-money.md) | 86 | Proprietary | Web, iOS, Android | | 2 | [Quicken](https://altcatalog.com/alternatives/quicken.md) | 82 | Proprietary | Windows, macOS | | 3 | [Simplifi](https://altcatalog.com/alternatives/simplifi.md) | 82 | Proprietary | Web, iOS, Android | | 4 | [Actual Budget](https://altcatalog.com/alternatives/actual-budget.md) | 78 | MIT | Windows, macOS, Linux, Web | | 5 | [YNAB](https://altcatalog.com/alternatives/ynab.md) | 73 | Proprietary | Web, iOS, Android | | 6 | [GnuCash](https://altcatalog.com/alternatives/gnucash.md) | 68 | GPL-2.0 | Windows, macOS, Linux | | 7 | [KMyMoney](https://altcatalog.com/alternatives/kmymoney.md) | 68 | GPL-2.0 | Windows, macOS, Linux | | 8 | [PocketGuard](https://altcatalog.com/alternatives/pocketguard.md) | 68 | Proprietary | ? | | 9 | [Goodbudget](https://altcatalog.com/alternatives/goodbudget.md) | 64 | Proprietary | iOS, Android, Web | | 10 | [Monarch Money](https://altcatalog.com/alternatives/monarch-money.md) | 64 | Proprietary | Web, iOS, Android | | 11 | [EveryDollar](https://altcatalog.com/alternatives/everydollar.md) | 60 | Proprietary | Web, iOS, Android | | 12 | [Firefly III](https://altcatalog.com/alternatives/firefly-iii.md) | 60 | AGPL-3.0 | Web | | 13 | [HomeBank](https://altcatalog.com/alternatives/homebank.md) | 60 | GPL-2.0 | Windows, macOS, Linux | Alt Score = Verified coverage (90%) + Visibility (10%). See https://altcatalog.com/how-alt-score-works/ ## Feature comparison Legend: Yes / No / Partial / ? (not verified). | Budgeting apps checklist | Copilot Money | Lunch Money | Quicken | Simplifi | Actual Budget | YNAB | |---|---|---|---|---|---|---| | Pricing model | Subscription | Subscription | Subscription | Subscription | Free | Subscription | | Starts at | $95/year | $100/year | $3.49/month | $2.99/month | ? | $109/year | | License | Proprietary | Proprietary | Proprietary | Proprietary | MIT | Proprietary | | Platforms | macOS, iOS, Web | Web, iOS, Android | Windows, macOS | Web, iOS, Android | Windows, macOS, Linux, Web | Web, iOS, Android | | Bank sync (regions) | Yes | Yes | Yes | Yes | Partial | Yes | | Manual entry mode | Yes | Yes | Yes | Yes | Yes | Yes | | Envelope / zero-based budgeting | No | Partial | No | Yes | Yes | Yes | | Investment tracking | Yes | Yes | Yes | Yes | Partial | No | | Multi-currency | No | Yes | Yes | No | Partial | No | | Shared budgets | Partial | Yes | Partial | Yes | Yes | Yes | | Reports & net worth | Yes | Yes | Yes | Yes | Yes | Yes | | CSV import | ? | Yes | Yes | Yes | Yes | Yes | | Local-only data option | No | ? | Partial | No | Yes | ? | | Subscription price | Yes | Yes | Yes | Yes | No | Yes | ## Sources Sources for Copilot Money. Each alternative is sourced on its own page. - **Status**: active — (verified 2026-07-11) - Quote: “As of December 2025, Copilot Money is available on the web.” - **License**: Proprietary — (verified 2026-07-11) - Quote: “No ads, no hidden fees” - **Platforms**: macOS, iOS, Web — (verified 2026-07-11) - Quote: “Available for Mac, iPhone, iPad, and Web” - **Pricing model**: Subscription — (verified 2026-07-11) - Quote: “$95, billed yearly, Yearly, Monthly” - **Starts at**: $95/year — (verified 2026-07-11) - Quote: “Free with in-app purchases ($13/month or $95/year subscription)” - **Bank sync (regions)**: Yes — (verified 2026-07-11) - Quote: “At this time, we only support US financial institutions and as such are only available in the US App Store.” - **Manual entry mode**: Yes — (verified 2026-07-11) - Note: +" on lower right corner. Then select the type of transaction: Regular, Income or Transfer." - Quote: “In the Transactions view, tap the ” - **Envelope / zero-based budgeting**: No — (verified 2026-07-11) - Quote: “While Copilot isn't built specifically as a zero-based budgeting tool, here are our suggestions for maintaining this kind of budget” - **Investment tracking**: Yes — (verified 2026-07-11) - Quote: “Copilot's Investments tab allows you to view all of your investments in one place.” - **Multi-currency**: No — (verified 2026-07-11) - Quote: “Copilot only supports USD and does not convert foreign currency transactions.” - **Shared budgets**: Partial — (verified 2026-07-11) - Quote: “If you want to share access to your Copilot Money account with a trusted individual, such as a partner or financial advisor, you can utilize our Magic Link sign in method.” - **Reports & net worth**: Yes — (verified 2026-07-11) - Quote: “Copilot's Month and Year in Reviews give you a simple, high level report of your spending, income, investments and related trends for the given time frame.” - **Local-only data option**: No — (verified 2026-07-11) - Quote: “We use Google Cloud for our backend and data transmission” - **Subscription price**: Yes — (verified 2026-07-11) - Quote: “Free with in-app purchases ($13/month or $95/year subscription)” --- Ranked by verified data, never by who paid. https://altcatalog.com/trust/