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Family & team access Invite family or teammates to the same budget with their own logins. Sharing one password or sign-in link does not count. Separate logins do not necessarily mean private accounts or transactions.
	Editor’s Pick EnvelopeBudget	Actual Budget	Copilot Money
Price	$4/mo	Free	$13/mo
Yearly price	$40/yr	Free (self-hosted or desktop app)	$95/yr
Lifetime option	$60 ($60 lifetime (first 500 members; remaining spots not stated))	—	—
Free plan	No	Yes	No
Free trial	34-day free trial, no credit card required	—	1-month free trial
Platforms	Web, iOS, Android	Web, Desktop	Web, iOS, Desktop
Founded	2009	2022	2019
Envelope budgeting	Yes	Yes	No
Automatic bank sync	Yes	Yes	Yes
Manual transaction entry	Yes	Yes	Yes
Goal tracking	Yes	Yes	Yes
Debt payoff tools	Yes	Yes	No
Investment tracking	No	No	Yes
Bill reminders	No	No	Yes
Reports & charts	Yes	Yes	Yes
Multi-currency	Yes	No	No
Shared / household budgets	Yes	Yes	No
Separate logins for shared budgets	Yes. Invite family and team members to shared budgets with their own logins. Manage member access and transfer budget ownership; eligible family members can share the family owner's subscription access.	Not confirmed. Check whether each person gets their own login.	No. Partners access the same Copilot account using its email address and a forwarded magic sign-in link, rather than separate member logins. Every signed-in device has full control of the account.
	Visit	Visit	Visit

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