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Personal Finance · head to head

Banktivity vs Copilot Money

Banktivity logo

Banktivity

Personal Finance

Personal finance for Mac and iOS

From
On request
Rated
-
Full reviewWebsite
Copilot Money logo

Copilot Money

Personal Finance

AI-powered personal finance assistant

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Copilot Money has a free tier, so it costs nothing to try first.
  • Each has a real cost: Banktivity runs on macOS, iPhone and iPad only, with no Windows, Android or web version; Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app
  • They diverge on capability: Banktivity covers Account tracking, Copilot Money covers AI-powered insights.
  • Prices and features above were last checked on 30 August 2026.

Where they differ

Only the attributes on which Banktivity and Copilot Money actually diverge.

Attributes where Banktivity and Copilot Money differ
AttributeBanktivityCopilot Money
Starting priceOn requestFree
Free tierNoYes
PlatformsMac, IOSWeb, IOS, Android
Founded20072020

Identical on both: pricing model (subscription), user rating (Not yet rated), category (Personal Finance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Banktivity

  • Account tracking
  • Bill management
  • Investment tracking
  • Budget forecasting
  • Investment accounts
  • Mac support

Only in Copilot Money

  • AI-powered insights
  • Spending analysis
  • Budget optimization
  • Financial planning
  • Credit cards
  • Web support
  • Android support

Both cover

  • Bank accounts
  • IOS support

What people use each for

The jobs each tool is most often brought in to do.

Banktivity

  • Personal budgeting and money management on a Macnot Copilot Money
  • Investment and net worth tracking
  • Retirement planning projectionsnot Copilot Money
  • Connecting to over 14,000 financial institutionsnot Copilot Money

Copilot Money

  • Tracking spending across connected accountsnot Banktivity
  • Budgeting by category with automatic transaction taggingnot Banktivity
  • Investment and net worth tracking
  • Reviewing recurring subscriptionsnot Banktivity

Both are used for investment and net worth tracking, on those jobs the choice comes down to price and fit rather than capability.

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Banktivity

  • Runs on macOS, iPhone and iPad only, with no Windows, Android or web version
  • Pricing is not shown on the product page and sits behind a separate plans page

Copilot Money

  • Apple only: web, iPhone, iPad and Mac, with no Android app
  • No free tier; $95 a year billed annually, which works out at $7.92 a month
  • The trial only starts once accounts are connected

Pricing, plan by plan

Banktivity

On request
  • Monthly$4.99/month
    • Full feature access
    • Cloud sync
  • Annual$39.99/month
    • All monthly features
    • Discounted rate

Copilot Money

Free
  • Free TrialFree
    • No credit card required
    • Limited access to test the app
  • Paid Subscription$95/year
    • No ads
    • No hidden fees
    • Private data handling

Which should you pick?

Choose Banktivity if

  • You need account tracking.
  • You work on Mac, IOS.
  • You also want bill management.
Banktivity review

Choose Copilot Money if

  • You need ai-powered insights.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want spending analysis.
Copilot Money review

Questions people ask

Is Banktivity or Copilot Money better?
Neither clearly leads. Banktivity starts at On request and Copilot Money at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Banktivity or Copilot Money?
Copilot Money has a free tier; the other does not. Paid plans start at On request for Banktivity and Free for Copilot Money.
Does Banktivity or Copilot Money run on more platforms?
Banktivity runs on Mac, IOS. Copilot Money runs on Web, IOS, Android.
Can I use Copilot Money for free?
Yes. Copilot Money has a free tier, so you can try it without paying. Banktivity starts at On request.
What is Banktivity best used for?
Banktivity is most often used for personal budgeting and money management on a mac, investment and net worth tracking, retirement planning projections, connecting to over 14,000 financial institutions. Of those, personal budgeting and money management on a mac and retirement planning projections are not what Copilot Money is typically brought in for.
What can Banktivity do that Copilot Money cannot?
Banktivity covers Account tracking, Bill management, Investment tracking, Budget forecasting. Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Both handle Bank accounts, IOS support.

Answered from the vendors’ own pages

Banktivity: Does Banktivity offer a free trial?

Yes. Banktivity offers a 30-day free trial at any subscription level with no credit card required. This allows you to test the platform before committing.

Source
Copilot Money: How much does Copilot Money cost?

Copilot Money costs $95 per year when billed annually, which equals $7.92 per month. A free trial is available with no credit card required. A monthly subscription option exists but the specific monthly price is not listed on the website.

Source
Banktivity: What devices does Banktivity support?

Banktivity is available on Mac, iPhone, and iPad with cross-device sync. Data is encrypted end-to-end across all devices.

Source
Copilot Money: Does Copilot Money have any hidden fees?

No, Copilot Money explicitly states there are no ads, no hidden fees, and your data stays private with the company focused on building the product.

Source
Banktivity: How many banks does Banktivity connect to?

Banktivity connects to 14,000+ banks, allowing direct connections to most major financial institutions.

Source
Banktivity: What financial planning tools does Banktivity include?

Banktivity includes budgeting, financial reporting, investment portfolio tracking, retirement planning tools, and net worth tracking across all your accounts.

Source
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