The affordable, private alternative to Copilot Money
Copilot is a beautiful, Apple-first premium app. PennyFinch is the cheaper dashboard that works on any device.
Copilot Money is a gorgeous, design-led budgeting app built for the Apple ecosystem — iPhone, iPad, and Mac (it added a limited web app in late 2025, but there's still no Android). It runs $13/month or $95/year.
PennyFinch is web-first: it runs in any browser on any device — Mac, Windows, Android, whatever — for $3/month, with a free bring-your-own-keys tier. Copilot is more polished and Apple-centric; PennyFinch is cheaper and works everywhere.
| Feature | PennyFinch | Copilot Money |
|---|---|---|
| Price | $3/mo (free with your own Plaid keys) | $13/mo · $95/yr |
| Free tier | Yes — bring your own Plaid keys | — |
| Works on any device / browser | ✓ | Apple-first (limited web) |
| Android support | ✓ | — |
| All accounts in one place | ✓ | ✓ |
| Net worth & cash flow | ✓ | ✓ |
| Automatic bank sync | ✓ | ✓ |
| Recurring / subscription detection | ✓ | ✓ |
| Budgets & savings goals | ✓ | ✓ |
| Investment tracking | Balances only | ✓ |
| Amazon / Venmo itemization | — | ✓ |
| Never sells your data | ✓ | ✓ |
Why people pick PennyFinch
- Cheaper — $3/month vs $7.92–$13/month.
- Works on any device and browser — Windows, Android, Linux, not just Apple.
- Free bring-your-own-Plaid-keys tier.
- Privacy-first: read-only connections, disconnect deletes your data.
Where Copilot Money is stronger
We'd rather be honest than oversell. Copilot Money does some things better:
- Beautiful, best-in-class design and native Apple apps.
- Dedicated investment tracking.
- Amazon and Venmo itemization — line items, not just 'Amazon.com $47.82'.
- More mature and polished today.
Live in the Apple ecosystem and want the most polished app? Copilot. Want a cheaper dashboard that works on any device? PennyFinch.
Competitor pricing and features are as of mid-2026 and may change — check their sites for the latest. See our Privacy Policy.