Personal Finance · head to head
Copilot Money vs Goodbudget
The short version
- Each has a real cost: Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app; Goodbudget free plan is capped at 10 regular envelopes, 10 more envelopes, 1 account, 2 devices and 1 year of history
- They diverge on capability: Copilot Money covers AI-powered insights, Goodbudget covers Envelope budgeting.
Where they differ
Only the attributes on which Copilot Money and Goodbudget actually diverge.
| Attribute | Copilot Money | Goodbudget |
|---|---|---|
| Founded | 2020 | 2012 |
Identical on both: starting price (Free), pricing model (freemium), free tier (Yes), platforms (Web, IOS, Android), 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 Copilot Money
- AI-powered insights
- Spending analysis
- Budget optimization
- Financial planning
- Credit cards
Only in Goodbudget
- Envelope budgeting
- Shared budgets
- Receipt scanning
- Expense tracking
Both cover
- Bank accounts
- Web support
- IOS support
- Android support
What people use each for
The jobs each tool is most often brought in to do.
Copilot Money
- Tracking spending across connected accountsnot Goodbudget
- Budgeting by category with automatic transaction taggingnot Goodbudget
- Investment and net worth trackingnot Goodbudget
- Reviewing recurring subscriptionsnot Goodbudget
Goodbudget
- Envelope method budgetingnot Copilot Money
- Sharing a household budget across a couple's devicesnot Copilot Money
- Tracking debt payoff alongside envelopesnot Copilot Money
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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
Goodbudget
- Free plan is capped at 10 regular envelopes, 10 more envelopes, 1 account, 2 devices and 1 year of history
- Automatic bank sync is Premium only and works with US banks only
- Premium is limited to 5 devices and 7 years of history
- Free plan gets community support only; email support requires Premium
- Premium costs $10 per month or $80 per year
Pricing, plan by plan
Copilot Money
Free- FreeFree
- Basic budgeting
- Spending tracking
- Premium$12.99/month
- AI insights
- Advanced analytics
- Financial planning
Goodbudget
Free- FreeFree
- 10 envelopes
- Basic tracking
- Plus$5.99/month
- Unlimited envelopes
- Advanced reports
- Receipt capture
Which should you pick?
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.
Choose Goodbudget if
- You need envelope budgeting.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want shared budgets.
Questions people ask
- Is Copilot Money or Goodbudget better?
- Neither clearly leads. Copilot Money starts at Free and Goodbudget at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Copilot Money or Goodbudget?
- Copilot Money starts at Free and Goodbudget at Free.
- Does Copilot Money or Goodbudget run on more platforms?
- Both run on Web, IOS, Android, so platform support will not decide this one for you.
- Can I use Copilot Money for free?
- Both have a free tier, so you can try either at no cost before committing.
- What is Copilot Money best used for?
- Copilot Money is most often used for tracking spending across connected accounts, budgeting by category with automatic transaction tagging, investment and net worth tracking, reviewing recurring subscriptions. Of those, tracking spending across connected accounts and budgeting by category with automatic transaction tagging are not what Goodbudget is typically brought in for.
- What can Copilot Money do that Goodbudget cannot?
- Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Goodbudget covers Envelope budgeting, Shared budgets, Receipt scanning, Expense tracking. Both handle Bank accounts, Web support, IOS support, Android support.
Related pages
More on Copilot Money
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