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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

Actual

★ 4.00
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Copilot Money

★ 4.50
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Free Subscription
Price Details Free and open-source; optional donations for development support. Subscription starts at $7.99/month or $69.99/year after a 30-day free trial
Monthly Price Free $7.99
Annual Price Free $69.99
Save $25.89/year
Founded 2017 2019
Platform Support
Web ✓ ✗
Ios ✗ ✓
Android ✗ ✗
Windows ✓ ✗
Mac ✓ ✗
Linux ✓ ✗
Features
AI-driven spending categorization ✗ ✓
Apple Watch integration ✗ ✓
Automatic transaction syncing ✗ ✓
Bank file imports (QIF, QFX, OFX) ✓ ✗
Custom categories ✓ ✗
Customizable budget categories ✗ ✓
Envelope budgeting ✓ ✗
Import from YNAB ✓ ✗
Mobile-friendly web interface ✓ ✗
Multi-account support ✗ ✓
Multiple account support ✓ ✗
Net worth tracking ✗ ✓
Open-source codebase ✓ ✗
Predictive spending insights ✗ ✓
Recurring payment tracking ✗ ✓
Reporting and analytics ✓ ✗
Self-hosted sync ✓ ✗
Siri shortcuts ✗ ✓
Transaction tracking ✓ ✗
Visual charts and reports ✗ ✓
Pros & Cons
Pros
  • + No subscription fees—your wallet breathes easy
  • + Privacy-first with self-hosting
  • + Active open-source community
  • + Gorgeous, intuitive interface
  • + Smart AI categorization saves time
  • + Seamless Apple ecosystem integration
Cons
  • − Self-hosting can be a techy headache
  • − No native mobile app—just a web interface
  • − No automatic bank sync
  • − iOS-only, sorry Android folks
  • − No free tier after trial
  • − Subscription feels pricey for some

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Quick Summary

Actual

Best for:

Budget-conscious users

Platform coverage:

4 platforms

Feature count:

10 features

View Full Details Visit Website

Copilot Money

Best for:

Users wanting ongoing support

Platform coverage:

1 platforms

Feature count:

10 features

View Full Details Visit Website