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My AI Fin App vs Copilot Money
The design benchmark, if you're all-Apple.
Copilot is the app people choose on looks and polish, and it earns it: the categorization is automatic and mostly right, the investment views are good, and the iPhone and Mac apps are the nicest in the category. It costs more than most, and it only runs where Apple does. Here's where we differ.
Facts about Copilot Money checked September 2026 from the sources below. If something is out of date, tell us.
Price
My AI Fin App
Free for everything you enter by hand. Pro is $5.99/mo or $49/yr for bank sync, and free during early access.
Copilot Money
$109/yr, billed yearly (price checked November 2026). No free tier.
Free tier
My AI Fin App
Yes. Unlimited, no ads, not a trial.
Copilot Money
No. Trial only.
Platforms
My AI Fin App
Web, iOS, and Android, one account across all three.
Copilot Money
iPhone, iPad, and Mac. No Android app. A web version launched in late 2025 with less than the iOS app.
Bank sync
My AI Fin App
Pro, through Plaid, refreshed nightly. Manual entry is a full path.
Copilot Money
Included in the subscription.
Apple Card
My AI Fin App
Yes, free on every plan. The iPhone app reads Apple Card, Apple Cash and Apple Savings from Apple Wallet through Apple's FinanceKit, with no bank login, and updates each time you open it.
Copilot Money
Yes, through Apple's FinanceKit in the iPhone app. Copilot was a launch partner in 2024.
Debt payoff
My AI Fin App
The center of the app: snowball and avalanche side by side, extra payments that roll over, planning payments that actually shrink card balances, and a warning when a payment can't cover its own interest.
Copilot Money
Credit cards and loans show as accounts with balances. No payoff planner.
Investments
My AI Fin App
Holdings from synced brokerage and retirement accounts: shares, price, value and gain against cost. No performance or allocation analysis.
Copilot Money
Holdings, performance, and allocation for linked brokerage accounts.
Households
My AI Fin App
Free, with owner, member, and viewer roles. Every member's bank connections feed one picture.
Copilot Money
Partner sharing is one login shared between two people, with full control from any signed-in device. No second identity or roles.
Net worth
My AI Fin App
Recorded daily with milestones.
Copilot Money
Net worth over time from linked accounts.
AI assistants
My AI Fin App
Connect Claude, ChatGPT or Cursor to your own data. The app does the math; the assistant explains it. Read-only, revoke any time.
Copilot Money
Automatic categorization built in. No assistant connection.
Privacy
My AI Fin App
No ads, no data selling. Revenue is Pro subscriptions.
Copilot Money
No ads; subscription-funded.
Pick Copilot Money if
- You're all-Apple and want the most polished spending tracker there is.
- You want investment holdings and performance alongside spending.
- Design matters to you and $109 a year is fine.
Pick My AI Fin App if
- You're on Android, or you switch between platforms.
- You want two separate logins in one household.
- The problem you're solving is debt rather than categorization.
How we make money
Pro. $5.99 a month, or $49 a year, for automatic bank sync and AI assistant access. That is the whole list. Everything you can type in by hand is free for as long as you use it, with no ads, no offers and no selling your data, ever.
- No ads
- No "recommended" offers
- No data sold
- No credit card to start
Sources
Other comparisons
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Fifteen minutes to the full picture.
Connect a bank or type in a few balances. Net worth, budget, spending, your debt-free date and alerts: free to start, with nothing to sell you.
No credit card. No ads. Your data is never sold. Pro is free during early access.