Copilot Money alternatives
Most Copilot Money searches are Monarch vs Copilot or YNAB vs Copilot — or a free exit after the trial. Six ranked options with prices from each vendor's own page (Copilot $95/yr or $13/mo rechecked September 14, 2026), and a clear answer on Android, export and who holds your history.
Cost, platform, sync and ownership side by side. Copilot prices checked September 14, 2026; Monarch, Simplifi and YNAB September 11, 2026.
| What matters | Beancount.io | Monarch Money | Quicken Simplifi | YNAB | Actual Budget | Empower Personal Dashboard |
|---|---|---|---|---|---|---|
| What a year costs | Free core; hosted Premium $99.99/yr if you want sync | $99.99/yr or $14.99/mo · 7-day trial | $3.99/mo billed annually ($47.88/yr) first year · $6.99/mo billed annually ($83.88/yr) regular list · renews at then-current rates | $109/yr or $14.99/mo · 34-day trial | $0 self-hosted; about $2/mo managed | Free |
| Platforms | Any OS that edits text; hosted apps optional | iOS, Android, Web | iOS, Android, Web | iOS, Android, Web | Desktop, mobile and self-hosted web | iOS, Android, Web |
| Bank sync | Optional hosted sync; or CSV / OFX import | Broad US coverage; switchable aggregators | 14,000+ institutions (Quicken) | Direct import where available; file import always | Bring your own bank-sync provider | Aggregates bank, credit, loan and investment accounts |
| Who holds your data | You do — plain-text files on your own disk | Monarch's cloud; CSV export per account | Quicken's cloud; CSV export | YNAB's cloud; CSV export per budget | You do — a local budget file you sync yourself | Empower's cloud; CSV export of the current view |
| Investments & net worth | Full lot tracking, cost basis and gains in the ledger | Strong net-worth and investment views on Core/Plus | Investment view with cost basis and quotes | Tracking accounts only — not portfolio accounting | Light — budgeting first | Portfolio analysis is the product's strength |
Ranked for the reasons people leave Copilot: cross-platform apps, what a year costs, and who keeps the record once you stop paying.
Free core · hosted Premium $99.99/yr
Plain-text double-entry accounting: the record is a file you own, so no subscription can ever hold a feature hostage.
Best for: People who want Copilot's clarity without renting the database their history lives in.
$99.99/yr or $14.99/mo · 7-day trial
The closest polished peer — cross-platform tracking with household sharing, at nearly the same annual price.
Best for: Apple-and-Android households who want Copilot-class dashboards without leaving a native Android app behind.
$3.99/mo billed annually ($47.88/yr) first year · $6.99/mo billed annually ($83.88/yr) regular list · renews at then-current rates
The cheapest polished hosted all-rounder — budgeting, cash flow and investments under Copilot's annual bill.
Best for: People who want automatic tracking on iOS and Android at a lower regular list price.
$109/yr or $14.99/mo · 34-day trial
Costs more than Copilot, and earns it only if what you want is the method rather than the dashboard.
Best for: People whose real problem is spending behaviour, not a prettier net-worth chart.
Free self-hosted · from about $2/mo managed
The genuinely free answer: MIT-licensed, local-first envelope budgeting you can self-host for nothing.
Best for: People who mainly used Copilot to budget and would rather pay nothing at all.
Free
Free forever, with no budgeting to speak of — free because the tools are the front end of an advisory business.
Best for: Net-worth and portfolio watchers who want a dashboard at no cost and are comfortable declining a sales call.
It depends why you are leaving. If you need Android or a household that is not Apple-only, Monarch Money is the closest polished peer (Core $99.99/yr). If the bill is the problem, Quicken Simplifi's regular list is about $83.88/yr, and Actual Budget is free to self-host. If you want a record that keeps working after you unsubscribe, Beancount.io keeps the ledger as a plain-text file you own.
There is no native Android app. Copilot Money ships for iPhone, iPad, Mac and Web (app.copilot.money). Android users can open the web app in a browser, but if you want a native Android client, Monarch, YNAB, Simplifi, Actual and Empower all ship one.
As of September 14, 2026, Copilot lists $95 billed yearly (shown as about $7.92/mo) or $13/mo month-to-month, with a one-month free trial and no permanent free tier. Prices are taken from Copilot's own pricing page and the App Store listing.
They solve a similar job with different trade-offs. Copilot is often praised for design and Apple-native polish; Monarch is cross-platform (including Android), includes household sharing on Core, and sits at $99.99/yr. Neither gives you a file you keep — both are cloud databases with CSV export. The head-to-head search volume for "monarch vs copilot" is why both appear on this page.
Yes, as CSV from Copilot's cloud. That is a copy of your history, not the history itself — the same shape as Monarch and YNAB. If export ownership is why you are shopping, a local-first tool (Actual) or a plain-text ledger (Beancount) is the structural fix, not another CSV subscription.
Start free with a plain-text ledger you keep forever — bank sync, mobile apps and imports are there when you want them.
