Loading comparison
Alternative for cross-platform users
A Copilot alternative that works outside Apple
Copilot is Apple-only — no Android, no web, no Windows. Clarity works on any device and adds crypto exchanges, on-chain wallets, and tax exports that Copilot lacks.
Category page
Money Tracking App
The category-center page for people who need spending, net worth, investing, crypto, and taxes in one system.
- Built for fragmented finances, not one-account simplicity
- Spending, portfolios, crypto, and taxes together
- NFT gallery with collection grouping, floor prices, and collectible tax treatment
- The clearest category entry into the full product story
Explore money tracking
Investor wedge
Personal Finance App for Investors
A sharper wedge for self-directed investors and complex households who need cash flow and portfolio context together.
- Cash flow plus portfolio, allocation, and tax visibility
- Full DeFi dashboard with health factor monitoring and yield optimization
- Designed for people who outgrew budgeting-only apps
- The strongest fit page in the flagship cluster
See the investor angle
Aggregation promise
Track All Your Money
See every account in one place across banks, brokerages, retirement accounts, exchanges, wallets, and planning workflows.
- One system across account types, entities, and weekly reviews
- Useful for weekly reviews, planning, and tax prep
- Pre-filled IRS Form 8949, Schedule D, and Schedule 1 PDF generation
- Turns fragmented financial data into operational context
See all-account tracking
Net worth
Net Worth Tracker
Track net worth with cash, liabilities, portfolios, retirement accounts, and crypto in one operating view.
- Net worth with allocation, spending, and portfolio context
- Useful for reviews, planning, and tax-aware decisions
- Stronger than a bank-only or brokerage-only snapshot
Explore net worth tracking
Spending
Spending Tracker
Track transactions, recurring bills, merchants, budgets, and cash-flow shifts with the wider financial picture attached.
- Transactions, merchants, recurring, and budgets together
- Better for operational finance than a static bank feed
- Connects day-to-day spending back to the bigger system
Explore spending tracking
Why people switch from Copilot Money
- No Android app — Copilot is currently available on iPhone, iPad, Mac, and Web
- Crypto visibility is narrower than Clarity's direct exchange-and-wallet coverage
- No dedicated cost-basis workflow or tax-reporting feature set
- $95/year for an Apple-first product whose web app still trails the native apps in feature coverage
- Cross-platform access improved with the December 2025 web launch, but the product remains Apple-first in design and feature depth
Where Clarity is the better fit
- A single dashboard covering banks, brokerages, and crypto exchanges across any device.
- Banks + crypto exchanges + on-chain wallets in one dashboard
- AI-powered categorization with bring-your-own-key (BYOK) so users can route model traffic through their own provider
- Complete data deletion on account closure — your data is fully purged, not archived
Start from the Clarity page that best replaces Copilot Money
The best switch path depends on why the current product stopped being enough.
You need a stronger money tracker
Use the broad money-tracking page if your current tool covers only one slice of your financial life.
You need investor-grade context
Use the investor page if the gap is portfolio visibility, tax workflow, crypto coverage, or all-account net worth.
You want proof before switching
Validate integrations, product surfaces, and related comparisons before moving your workflow.
Side-by-side comparison
Scored across 9 criteria. Sources linked where available.
| Criterion | Clarity | Copilot Money |
|---|---|---|
| Account Coverage | 5/5 Connects to banks, brokerages, crypto exchanges, and wallets via Plaid and direct API connections. | 3/5 Covers banks and brokerages via Plaid and can surface some crypto holdings, including Coinbase-connected balances. It is not positioned as a direct exchange-and-wallet aggregator or an on-chain tracker. |
| Sync Reliability | 4/5 Plaid-backed syncs with automatic retry logic and queue-based reliability. | 4/5 Stable Plaid integration with reliable sync for supported institution types. |
| Pricing Predictability | 4/5 Flat subscription pricing with no asset-based fees or upsells. | 3/5 Annual subscription required. Current public pricing is $95/year billed annually or $13/month. |
| Data Freshness | 4/5 Syncs on demand and on schedule. Crypto prices update in near real-time. | 4/5 Background refresh on iOS keeps bank data current throughout the day. |
| Historical Depth | 3/5 Stores full transaction history from Plaid. Net worth snapshots tracked daily. | 3/5 Retains transaction history and spending trends. Limited historical net worth charting. |
| Export & Reporting | 4/5 CSV export for transactions. PDF reports for net worth and portfolio summaries. | 3/5 Copilot says users can export transaction data from settings. It does not position itself as a dedicated tax-reporting or crypto-reporting product. |
| Privacy & Security | 4/5 Read-only connections, encryption at rest, no ad tech, and no data sales. BYOK AI keeps model traffic under user control, and closing an account triggers full data purge. | 4/5 Copilot says it encrypts data, allows transaction-data export, and uses aggregated and anonymized data for internal analytics and business purposes. |
Who should switch (and who shouldn't)
Choose Clarity if…
A single dashboard covering banks, brokerages, and crypto exchanges across any device.
- Hybrid investors with both traditional and crypto assets
- Privacy-conscious users who want BYOK AI and full data deletion
- Users who need a single net worth view across all accounts
- Crypto holders who need cost basis tracking for taxes
Choose Copilot Money if…
A polished Apple-first experience for budgeting and spending analysis.
- Apple ecosystem users who value native iOS design
- People who want a beautiful, polished mobile experience
- Mac and iPhone users who prefer native apps
What users say
"I loved Copilot's design but needed something that works on my Windows laptop too. Clarity runs everywhere."
"Copilot couldn't see my Coinbase or MetaMask holdings. Clarity shows crypto right next to my bank accounts."
How to switch
easy10-15 minutes
- 1Sign up for Clarity and connect your bank accounts via Plaid Link.
- 2Add any crypto exchanges using read-only API keys.
- 3Verify that transaction history imported correctly.
- 4Cancel your Copilot subscription once you're satisfied with the migration.
Frequently asked questions
Related comparisons
Related calculators
50/30/20 Budget
Split take-home pay into needs, wants, and savings with baseline 50/30/20 or custom ratio budgeting in one clear view.
Compound Interest
Project long-term portfolio growth using principal, recurring contributions, and configurable compounding frequency.
DCA
Compare dollar-cost averaging and lump-sum investing with preset bull/bear/sideways/volatile paths or your own historical monthly prices.
Debt Payoff
Compare avalanche and snowball payoff plans and inspect month-by-month remaining balances.
Ready to move on from Copilot Money?
14-day free trial. No credit card. Connect your accounts in under 5 minutes and see your real net worth across banks, crypto, and investments.
See the product
Try Clarity before you switch
Explore the interactive demo with sample data. No signup needed.
Ready to move on from Copilot Money?
14-day free trial. No credit card. Connect your accounts in under 5 minutes and see your real net worth across banks, crypto, and investments.