The Copilot Money alternative for every platform
Copilot is a lovely app — if everyone in your life owns an iPhone or a Mac. moniya runs the same account on web, iOS, Android, macOS, and Windows, and the core is free instead of $95 a year.
moniya vs Copilot Money, feature by feature
| Feature | moniya | Copilot Money |
|---|---|---|
| AI receipt scanning | YesAny language or currency; line items extracted | NoAI categorizes synced transactions instead |
| Voice expense entry | YesSay it out loud — moniya drafts the transaction | No |
| Review before anything posts | YesNothing posts without your approval | YesDaily review of synced transactions |
| Multi-currency | Yes18 currencies with a two-currency display toggle | No |
| Exchange rates frozen at spend time | YesThe rate at spend time, forever — history never drifts | No |
| Net worth tracking | Yes | Yes |
| Asset tracking | Yes | YesInvestments and property |
| Budgets | Yes | Yes |
| Saving goals | Yes | Yes |
| Recurring bills | Yes | YesSubscription detection |
| Automatic bank sync | NoAI capture instead — works in any country, any bank | YesUS institutions |
| CSV export | YesYour data is yours, anytime | Yes |
| Free plan | YesFree forever, incl. 50 AI captures a month | NoTrial via the App Store |
| Web app | Yes | PartialLimited web app since late 2025 |
| iOS app | Yes | Yes |
| Android app | Yes | No |
| Desktop app (macOS / Windows) | YesmacOS and Windows | PartialmacOS only — no Windows |
Pricing
moniyaFree forever
Tracking costs nothing. Pro removes the AI ceiling.
$0to track everything
- Unlimited accounts and transactions
- Budgets, saving goals, and recurring bills
- Multi-currency with frozen at-the-time rates
- Reports, net worth, and CSV export
- 50 AI captures a month — scan or voice
Pro — unlimited AI
- Unlimited receipt scans and voice memos
- AI insights on your reports
No card required.
Copilot Money
No free plan — trial, then paid.
Copilot$95/yr
- Or $13 billed monthly
- One plan — every feature included
- Free trial via the App Store
- iPhone, iPad, and Mac, plus a limited web app
Prices verified July 2026. No Android app and no confirmed timeline for one; no Windows app.
Why people switch
Every platform, one account
Copilot covers iPhone, iPad, and Mac, with a limited web app and no Android at all. moniya runs the same account on web, iOS, Android, macOS, and Windows — nobody in the household is locked out by their phone.
Free before it's paid
Copilot has no free tier: after the trial it's $95 a year, every year. moniya's ledger, budgets, goals, net worth, and reports cost nothing, and 50 AI captures a month are included.
Capture, not just categorize
Copilot's AI sorts what your US bank reports. moniya's AI creates the transaction — from a receipt in any language or a sentence said out loud — and waits for your approval. Cash and foreign spending stop slipping through.
The honest verdict
Copilot might be the best-looking finance app on the App Store, and its transaction review flow shares moniya's respect for your final say. The comparison really ends at the platform grid: no Android, no Windows, a web app that arrived in late 2025 still catching up, and no free tier. If your household is entirely Apple and your banks are American, Copilot is a fine choice. Everyone else needs an app that meets them where they are — that's the case for moniya.
Frequently asked questions
Is moniya really free?
Yes — the ledger, budgets, saving goals, recurring bills, reports, net worth, and CSV export are free forever, and every month includes 50 AI captures (receipt scans or voice memos). Pro removes the AI ceiling with unlimited captures and AI insights on your reports.
Is there a Copilot Money app for Android or Windows?
No. Copilot runs on iPhone, iPad, and Mac, added a limited web app in late 2025, and has no Android app or confirmed timeline for one. moniya ships native apps on iOS, Android, macOS, and Windows plus a full web app, all on one account.
Does moniya track investments like Copilot?
Not to the same depth. Copilot syncs brokerage accounts and benchmarks them against market indexes. moniya tracks accounts and assets as part of net worth, but it doesn't connect to brokerages or chart market performance — that's a real Copilot strength.
Does moniya sync with my bank?
No, by design. Instead of a US-only bank feed, moniya drafts transactions from receipt scans and voice memos — in any country, with any bank — and nothing posts without your approval.
Who should stick with Copilot Money?
All-Apple households with US bank accounts who want a beautifully designed, sync-first app and don't mind the $95-a-year subscription. If that's you, Copilot is excellent — the platform grid above only matters when it doesn't describe you.
Related comparisons
- moniya vs Monarch MoneyThe default Mint successor — $99.99/yr, polished, and built around US bank linking.
- moniya vs MintThe free budgeting pioneer Intuit shut down in March 2024 — here's what fills the gap.
- moniya vs YNABPowerful envelope budgeting — with a $109/yr price tag and a famously steep on-ramp.
Try a free tool
Switching is a 2-minute setup
Create a free account, snap your first receipt, and approve the draft — no import project, no card, no commitment.
No card required.