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