Copilot Money

KEEP IT

The value is the network, the data or the infrastructure. Keep paying.

A personal finance app for Apple devices: accounts connect automatically, spending is categorised by a model that learns your corrections, and budgets adjust as the month goes.

Promptfree, for everyone, and the only version there is

Build the app. Import by CSV and write your own rules.

THE OBSTACLE
- Automatic bank connections need a licensed aggregator. Plan around CSV or open banking

STACK
- An installable web app, IndexedDB for local data, optional sync to a small server you own

IMPORTING
- CSV per account with a saved column mapping
- Deduplicate on date, amount and normalised description so a re-import adds nothing

CATEGORISING WITHOUT A MODEL
- Ordered rules on the description; first match wins
- When I recategorise a transaction, offer to make it a rule — that is how the system learns without machine learning

BUDGETS THAT MOVE
- A monthly amount per category
- Show pace: what fraction of the month has passed against what fraction is spent

RECURRING
- Detect repeated amounts at a regular interval and project the rest of the month

ON THE HOME SCREEN
- Manifest and icons so it installs; one widget-sized view showing today's remaining budget

Include the schema, the rule engine and the pace calculation.

What you lose

Bank and card connections through a licensed aggregator
Categorisation that improves from your corrections rather than needing a rule written each time
A native app with widgets and notifications that make a budget something you actually see

If you would rather not build

YNAB, if you want the method more than the automation

The escape hatch

open source · no votes, no paid placement

Actual Budget

Local-first envelope budgeting with a mobile app and CSV import.

actualbudget/actualfree · open source

Firefly III

Self-hosted finance manager with a rule engine for categorisation.

firefly-iii/firefly-iiifree · open source

Why this verdict

our own opinion · changed only by a person

25/100

Verdict no at 25 for the same reason as every finance app here: the connection to the bank is the product, and it is not available to individuals.

History

tracked since 10 Aug 2026 · nothing is ever overwritten

Interest · last 30 dayspeak 1/day

0113 Jul18 Jul23 Jul28 Jul2 Aug7 Aug11 Aug

— views— prompt copies none yet— votes none yet

Questions about Copilot Money

answered from the record above

Is Copilot Money free?

No — the plan we track is $13 a month. Around $13/month billed monthly, roughly $95 a year, for the iOS and macOS app.

Can you replace Copilot Money by building your own?

KEEP IT. The value is the network, the data or the infrastructure. Keep paying. Replacement score 25 out of 100, build time longer than it saves. Read what you lose before you decide.

How much does Copilot Money cost?

$13 a month on Premium — $156 a year. Recorded 10 Aug 2026.

What do you lose by replacing Copilot Money?

Bank and card connections through a licensed aggregator; Categorisation that improves from your corrections rather than needing a rule written each time; A native app with widgets and notifications that make a budget something you actually see. If any of those carry weight for you, keep paying.

Is there an open-source alternative to Copilot Money?

Yes: Actual Budget, Firefly III. The prompt on this page is for when you want it your way instead.

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