Best Copilot Money Alternative
Copilot is a beautifully designed iOS-native finance app focused on budgeting and spending insights. Clarity takes a broader approach, unifying banks, brokerages, and crypto exchanges into a single cross-platform dashboard with deeper asset coverage.
Why People Look for Copilot Money Alternatives
- iOS and Mac only — no Android or web app
- Limited crypto support
- No cost basis tracking
- Smaller user base
Clarity as Your Copilot Money Alternative
Users who want a single dashboard covering banks, brokerages, and crypto exchanges across any device.
- Banks + crypto exchanges + on-chain wallets in one dashboard
- AI-powered transaction categorization
- Automatic recurring subscription detection
- FIFO cost basis tracking for crypto
- 10,000+ merchant normalizations
Side-by-Side Comparison
| Criterion | Clarity | Copilot Money |
|---|---|---|
Account Coverage Range of financial accounts and asset types supported. | 5/5 Connects to banks, brokerages, crypto exchanges, and wallets via Plaid, CCXT, and Alchemy. Internal | |
Sync Reliability How consistently account data syncs without errors or manual intervention. | 4/5 Plaid-backed syncs with automatic retry logic and queue-based reliability. Internal | |
Setup Time Time from sign-up to a fully connected, useful dashboard. | 4/5 Web-based onboarding with Plaid Link. Crypto connections require API keys. Internal | |
Pricing Predictability How transparent and stable the pricing is over time. | 4/5 Flat subscription pricing with no asset-based fees or upsells. Internal | |
Data Freshness How quickly new transactions and price changes appear. | 4/5 Syncs on demand and on schedule. Crypto prices update in near real-time. Internal | |
Historical Depth How far back transaction and portfolio history extends. | 3/5 Stores full transaction history from Plaid. Net worth snapshots tracked daily. Internal | |
Export & Reporting Ability to export data and generate financial reports. | 4/5 CSV export for transactions. PDF reports for net worth and portfolio summaries. Internal | |
Privacy & Security Data protection practices, encryption, and privacy controls. | 4/5 Read-only connections, encrypted at rest, no data selling. Supabase-backed auth. Internal | |
Developer Experience API access, webhooks, and extensibility for power users. | N/A Consumer product. No public API or developer platform. Internal |
Who Should Switch (and Who Shouldn't)
Switch to Clarity if...
- Hybrid investors with both traditional and crypto assets
- People who want automated categorization over manual budgeting
- Users who need a single net worth view across all accounts
- Crypto holders who need cost basis tracking for taxes
Stay with Copilot Money if...
- Apple ecosystem users who value native iOS design
- People who want a beautiful, polished mobile experience
- Mac and iPhone users who prefer native apps
How to Switch
Switching from Copilot Money
- 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
Does Clarity work on iPhone like Copilot?
Clarity is a web app that works in any mobile browser, including Safari on iPhone. While it is not a native iOS app like Copilot, the responsive design provides a smooth mobile experience.
Can Clarity track my spending categories like Copilot does?
Yes, Clarity categorizes transactions automatically using Plaid's merchant data. You can view spending breakdowns by category and merchant across all connected accounts.
Does Copilot support crypto at all?
Copilot can display crypto held in brokerages that Plaid supports, like Coinbase's custodial accounts. However, it does not connect to crypto exchanges via API or track on-chain wallets.
Which app has better budgeting features?
Copilot has more mature budgeting tools with spending limits and rollover budgets built into its native app. Clarity offers budget tracking but focuses more on net worth and portfolio visibility across asset types.
Ready to Replace Copilot Money?
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Need plan details? See pricing.