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.
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.
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.
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.
Where Copilot Money stands out
Verified capabilities most alternatives don't have.
Why people leave Copilot Money
Dashed reasons are sourced facts; the rest are opinions. Vendors can dispute.
Sign in to add a reason — new reasons go through moderation before appearing.
Ranked alternatives
Ordered by Alt Score. Click any score to see the breakdown.
Feature comparison
Rows come from the Budgeting apps checklist (14 rows). Human-verified cells only. ? means the value has not been verified.
| Budgeting apps checklist | Copilot Money | Lunch Money | Quicken | Simplifi | Actual Budget | YNAB |
|---|---|---|---|---|---|---|
| Pricing model | ||||||
| Starts at | ||||||
| License | ||||||
| Platforms | ||||||
| Bank sync (regions) | ||||||
| Manual entry mode | ||||||
| Envelope / zero-based budgeting | ||||||
| Investment tracking | ||||||
| Multi-currency | ||||||
| Shared budgets | ||||||
| Reports & net worth | ||||||
| CSV import | ||||||
| Local-only data option | ||||||
| Subscription price |
Every fact and feature listed for Copilot Money is verified against its own pages. Each alternative is sourced on its own page.
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Status active verified 2026-07-11
As of December 2025, Copilot Money is available on the web.
https://help.copilot.money/en/articles/11780342-copilot-money-for-web -
License Proprietary verified 2026-07-11
No ads, no hidden fees
https://copilot.money/pricing -
Platforms macOS, iOS, Web verified 2026-07-11
Available for Mac, iPhone, iPad, and Web
https://www.copilot.money/download -
Pricing model Subscription verified 2026-07-11
$95, billed yearly, Yearly, Monthly
https://copilot.money/pricing -
Starts at $95/year verified 2026-07-11
Free with in-app purchases ($13/month or $95/year subscription)
https://apps.apple.com/us/app/copilot-track-budget-money/id1447330651 -
Bank sync (regions) Yes verified 2026-07-11
At this time, we only support US financial institutions and as such are only available in the US App Store.
https://help.copilot.money/en/articles/10715424-international-currency -
Manual entry mode Yes verified 2026-07-11
+" on lower right corner. Then select the type of transaction: Regular, Income or Transfer."
In the Transactions view, tap the
https://help.copilot.money/en/articles/4038706-creating-manual-transactions -
Envelope / zero-based budgeting No verified 2026-07-11
While Copilot isn't built specifically as a zero-based budgeting tool, here are our suggestions for maintaining this kind of budget
https://help.copilot.money/en/articles/11660741-tips-for-zero-based-budgeting -
Investment tracking Yes verified 2026-07-11
Copilot's Investments tab allows you to view all of your investments in one place.
https://help.copilot.money/en/articles/5377645-investments-tab-overview -
Multi-currency No verified 2026-07-11
Copilot only supports USD and does not convert foreign currency transactions.
https://help.copilot.money/en/articles/10715424-international-currency -
Shared budgets Partial verified 2026-07-11
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.
https://help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner -
Reports & net worth Yes verified 2026-07-11
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.
https://help.copilot.money/en/articles/10310024-month-and-year-in-review -
Local-only data option No verified 2026-07-11
We use Google Cloud for our backend and data transmission
https://help.copilot.money/en/articles/10768078-how-do-you-get-my-financial-data -
Subscription price Yes verified 2026-07-11
Free with in-app purchases ($13/month or $95/year subscription)
https://apps.apple.com/us/app/copilot-track-budget-money/id1447330651
FAQ
Yes. Actual Budget, GnuCash and KMyMoney have a free tier or are fully free. Free-tier limits in the comparison table are verified and dated.
Actual Budget, GnuCash and KMyMoney — every license claim links its source.