Copilot Money is a premium, iOS-focused budgeting app known for its clean design and thoughtful user experience. At around $95/year, it's positioned as a privacy-conscious alternative to free apps. No ads or product recommendations, but requires bank syncing for full functionality. Android availability is limited.
Copilot is primarily an iOS app. Android and web access are limited or non-existent, locking you into Apple's ecosystem.
At $95/year (or ~$15/month), Copilot is among the more expensive options. No free tier exists beyond a short trial period.
Unlike YNAB, Copilot requires bank connections for meaningful use. Manual entry options are limited compared to auto-sync features.
Bank connections go through Plaid, meaning your credentials and transaction data pass through this third-party aggregator.
Subscription model means no financial product pushing. The app focuses on budgeting, not selling you credit cards.
Copilot is run by a small team, not a mega-corporation. Less corporate data harvesting than Intuit-owned alternatives.
Leverages iOS privacy features like Face ID and secure enclave. Data stays on-device where possible.
Allows exporting your transaction and budget data, reducing platform lock-in.