Personal Finance · head to head
Copilot Money vs Splitwise
The short version
- Each has a real cost: Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app; Splitwise the free tier limits how many expenses can be added in a day and shows adverts
- They diverge on capability: Copilot Money covers AI-powered insights, Splitwise covers Bill splitting.
Where they differ
Only the attributes on which Copilot Money and Splitwise actually diverge.
| Attribute | Copilot Money | Splitwise |
|---|---|---|
| Founded | 2020 | 2011 |
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
- Bank accounts
- Credit cards
Only in Splitwise
- Bill splitting
- Expense tracking
- Group management
- Settlement tracking
- Venmo
- PayPal
Both cover
- 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 Splitwise
- Budgeting by category with automatic transaction taggingnot Splitwise
- Investment and net worth trackingnot Splitwise
- Reviewing recurring subscriptionsnot Splitwise
Splitwise
- Splitting shared household bills between flatmatesnot Copilot Money
- Tracking who owes what on a group tripnot Copilot Money
- Settling up across currencies on the Pro plannot Copilot Money
- Recording IOUs between friends over timenot 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
Splitwise
- The free tier limits how many expenses can be added in a day and shows adverts
- Transaction import works in the United States only
- Currency conversion, receipt scanning, charts and expense search are all Pro features
- The Pro price is not shown on the product page
Pricing, plan by plan
Copilot Money
Free- FreeFree
- Basic budgeting
- Spending tracking
- Premium$12.99/month
- AI insights
- Advanced analytics
- Financial planning
Splitwise
Free- FreeFree
- Bill splitting
- Group tracking
- Mobile app
- Splitwise Pro$4.99/month
- Receipt scanning
- Advanced analytics
- No ads
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 Splitwise if
- You need bill splitting.
- You want to start without paying.
- You work on Web, IOS, Android.
- You also want expense tracking.
Questions people ask
- Is Copilot Money or Splitwise better?
- Neither clearly leads. Copilot Money starts at Free and Splitwise at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, Copilot Money or Splitwise?
- Copilot Money starts at Free and Splitwise at Free.
- Does Copilot Money or Splitwise 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 Splitwise is typically brought in for.
- What can Copilot Money do that Splitwise cannot?
- Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Splitwise covers Bill splitting, Expense tracking, Group management, Settlement tracking. Both handle Web support, IOS support, Android support.