MoneyFlow vs Copilot Money: An Honest Comparison
Copilot Money and MoneyFlow both track net worth, subscriptions, and spending - but they're built for different platforms, different budgets, and different levels of automation. Here's how they actually compare.
The core difference: automated vs. manual
Copilot Money connects to your bank, card, investment, and crypto accounts through data aggregators like Plaid and Finicity, then uses AI to automatically categorize transactions, detect subscriptions, and roll everything into a real-time net worth figure. It does the data entry for you, in exchange for linking your accounts to a third party.
MoneyFlow doesn't link to your bank at all. You log income, spending, bills, and debts yourself, and MoneyFlow calculates your Safe-to-Spend number, net worth, and debt payoff dates from what you enter. It takes a little more manual input, but your financial data never leaves your device.
Neither approach is objectively right - it depends whether you'd rather trade some manual entry for automation, or trade some automation for not connecting your bank to another app.
Pricing
Copilot Money has no free tier. It costs $13 per month, or $95 per year (about $7.92/month billed annually), with roughly a one-month free trial to test it out.
MoneyFlow has a simple two-tier structure: a genuinely full-featured free tier (all 7 tracking categories, Safe-to-Spend, achievements, debt payoff dates), and a fixed-price Pro tier that unlocks Weekly AI Insights, Cloud Sync, CSV Export, and the 12-month net worth chart.
Platform availability
Copilot Money is only available on iPhone, iPad, Mac, and the web (web access added in December 2025) - there is no Android app.
MoneyFlow is available on both iOS and Android, so switching phones or a mixed-platform household isn't a blocker.
Curious how bank-linking actually works? Read the full breakdown →
Feature comparison
| Feature | MoneyFlow | Copilot Money |
|---|---|---|
| Bank account linking required | No | Yes |
| Manual expense/income tracking | Yes | Optional (AI-categorized, auto-imported by default) |
| Subscription tracking | Yes, free | Yes (no free tier) |
| Investment & crypto account linking | No (manual entry) | Yes |
| Debt payoff date tracking | Yes, free | No |
| Net worth tracking | Yes, free (12-month trend on Pro) | Yes, real-time (no free tier) |
| Safe-to-Spend / real-time spendable number | Yes | No |
| Free tier | Yes | No |
| Android app | Yes | No |
| Offline / no account linking option | Yes | No |
| Pricing model | Fixed Free + Pro tiers | $13/mo or $95/yr, no free tier |
Who Copilot Money is a better fit for
If you're on iPhone or Mac, want every account - bank, card, investments, even crypto - pulled into one AI-categorized view automatically, and you don't mind paying a fixed monthly subscription with no free option, Copilot's fully automated approach is built for that.
Who MoneyFlow is a better fit for
If you're on Android, or your household has a mix of iPhone and Android, Copilot isn't an option at all - it has no Android app. MoneyFlow works on both.
MoneyFlow is also a better fit if you want a genuinely free tier, a debt payoff planner with an exact payoff date (something Copilot doesn't offer), or you'd rather not link your bank accounts to a third party at all.
Frequently asked questions
Does MoneyFlow require linking my bank account like Copilot Money does?
No. MoneyFlow is offline-first - you enter your data manually, and it never leaves your device. Copilot Money requires linking your bank, card, and investment accounts to function.
Is there a free version of Copilot Money?
No - Copilot Money has no free tier. It's $13/month or $95/year, with roughly a one-month free trial. MoneyFlow's core features (all 7 tracking categories, Safe-to-Spend, debt payoff dates) are free.
Does Copilot Money work on Android?
No - as of 2026, Copilot Money is only available on iPhone, iPad, Mac, and the web. There's no Android app. MoneyFlow supports both iOS and Android.
Can Copilot Money track my debt payoff date like MoneyFlow?
No - Copilot Money has no debt payoff planner, snowball/avalanche calculator, or loan projection tool. It's built for tracking and awareness, not payoff planning. MoneyFlow calculates an exact payoff date for free, for every debt you add.
See how MoneyFlow handles the rest of your money: Safe-to-Spend, debt payoff planner or net worth tracker.
Try MoneyFlow free
No bank linking, no monthly fee, and it works on Android - just your real numbers, always current.