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Compare Budgeting Apps

Side-by-side comparison of 2 budgeting apps

Feature

YNAB (You Need A Budget)

★ 4.70
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Copilot Money

★ 4.50
View Details →
Basic Information
Website Visit Site ↗ Visit Site ↗
Pricing Model Subscription Subscription
Price Details 34-day free trial; then $15/month or $109/year. Free for college students for one year. Subscription starts at $7.99/month or $69.99/year after a 30-day free trial
Monthly Price $15.00 $7.99
Annual Price $109.00
Save $71.00/year
$69.99
Save $25.89/year
Founded 2004 2019
Platform Support
Web
Ios
Android
Windows
Mac
Linux
Features
AI-driven spending categorization
Apple Watch integration
Automatic transaction syncing
Bank account syncing via Plaid/TrueLayer
Customizable budget categories
Goal setting for savings and debt
Loan calculator for debt management
Manual transaction entry option
Multi-account support
Net worth tracking
Predictive spending insights
Real-time syncing across devices
Recurring payment tracking
Shared budgeting for up to six users
Siri shortcuts
Spending and net worth reports
Target setting for irregular expenses
Visual charts and reports
Zero-based budgeting
Pros & Cons
Pros
  • + Forces disciplined, intentional spending
  • + Excellent bank syncing when it works
  • + Detailed reports for financial nerds
  • + Gorgeous, intuitive interface
  • + Smart AI categorization saves time
  • + Seamless Apple ecosystem integration
Cons
  • Pricey subscription for a budgeting app
  • Steep learning curve for newbies
  • Bank sync can be slow or glitchy
  • iOS-only, sorry Android folks
  • No free tier after trial
  • Subscription feels pricey for some

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Quick Summary

YNAB (You Need A Budget)

Best for:

Users wanting ongoing support

Platform coverage:

6 platforms

Feature count:

10 features

Copilot Money

Best for:

Users wanting ongoing support

Platform coverage:

1 platforms

Feature count:

10 features