Finances vs Copilot Money

Updated 14 September 2026 · Copilot Money prices as advertised in September 2026

Copilot Money is a polished subscription app for iPhone and Mac with a companion web app, aimed at US and Canadian bank accounts. Finances is a local-first Mac app with a one-time licence and Australian bank support.

Download Finances free 30-day trial. macOS. No sign-up.

Finances vs Copilot Money at a glance

Feature	Finances	Copilot Money
Platform	✓ Native macOS desktop app	✓ iOS, macOS, web companion
Where your data lives	✓ On your Mac, in an encrypted SQLite database	✗ Copilot's cloud
Price	✓ One-time 1.x licence, or a monthly subscription	✗ $13/month or $95/year
Free trial	✓ 30 days, no sign-up	✓ Free trial
Bank sync	✓ Australian banks via Redbark (CDR), Up Bank direct, US banks via Plaid, AMEX	✓ US and Canada via Plaid
File import	✓ CSV, OFX/QFX and JSON with auto-detected columns	~ Limited import options
Views and charts	✓ List, bar, pie, Sankey, calendar, map, subscriptions	✓ Dashboard, spending, recurring, Sankey
Subscription detection	✓ Automatic recurring-charge detection	✓ Recurring tracking
Auto-categorisation	✓ Bundled merchant database, optional cloud categorisation	✓ Machine-learning categorisation
Custom rules	✓ Match on text, amount, date or merchant	✓ Category rules
Encryption	✓ AES-256 at rest, Touch ID unlock, idle lock	~ Encrypted on their servers
Works offline	✓ Fully offline (sync and cloud categorisation are opt-in)	✗ Needs an internet connection
Multi-currency	✓ Original amount and currency preserved	~ USD and CAD only
Receipts and attachments	✓ Attach receipts and files to transactions	✗ No
Budgeting	✗ Not yet	✓ Monthly category budgets
Investments and net worth	✗ No	✓ Holdings and net worth
Mobile app	✗ No	✓ iOS only
Shared / household access	✗ Single user	✗ Single account
Data export	✓ CSV export; the database is a standard SQLite file	✓ CSV export
AI	✓ Open SQLite file your AI assistant can query	✓ AI categorisation and insights

✓ Yes ~ Partly or with caveats ✗ No

Where Copilot wins

A first-class iPhone app that syncs with the Mac app.
Budgets and investment tracking.
Very polished onboarding for US banks.

Where Finances wins

Your data lives on your Mac, encrypted, not on a server you cannot inspect.
Australian bank sync through the Consumer Data Right.
Import any CSV, OFX or JSON statement, including years of history.
A one-time 1.x licence instead of a yearly subscription.

Which should you choose?

Choose Copilot Money if you want a beautiful iPhone-first experience with budgets and investments, and your banks are in the US or Canada.

Choose Finances if you want a desktop tool that keeps your data local, works offline, and handles Australian banks and CSV statements.

How Finances works

Finances is a native macOS app. Import CSV, OFX or JSON statements from any bank, or sync Australian accounts through Redbark (Consumer Data Right) and Up Bank directly. Transactions are categorised by a bundled merchant database and your own rules, then explored as a list, bar and pie charts, a Sankey diagram, a calendar, a map, or a subscriptions view. Everything is stored in an encrypted SQLite database on your computer, unlocked with Touch ID.

Frequently asked questions

Is Finances available on iPhone like Copilot?

No. Finances is a macOS desktop app. Copilot is the better choice if you mainly manage money on your phone.

Does Copilot Money support Australian banks?

No. Copilot connects to US and Canadian institutions through Plaid. Finances syncs Australian accounts through Redbark and Up Bank.

Can I switch from Copilot to Finances?

Export your Copilot transactions to CSV and import the file into Finances. Categories and merchants can be re-assigned with rules.

Try Finances free for 30 days

No account, no card. Your data stays on your Mac.

Download for macOS

Other comparisons

Copilot Money is a trademark of its respective owner and is not affiliated with The Finances App. Competitor details are based on public information as of September 2026 and may change; check the vendor's site for current pricing. Spotted a mistake? Let us know.