Clarity vs Copilot Money
Last updated: February 2026
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.
Who Should Choose What
Choose Clarity if...
Users who want a single dashboard covering banks, brokerages, and crypto exchanges across any device.
- 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
Choose Copilot Money if...
iOS and Mac users who prioritize a polished native 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
Rubric Comparison
Each criterion scored 0-5 with evidence sources. Hover over badges for details.
| 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 |
Detailed Breakdown
Account Coverage
Your net worth is only accurate if every account is included — banks, brokerages, crypto exchanges, and wallets.
Clarity connects to traditional banks and brokerages through Plaid, crypto exchanges via CCXT, and on-chain wallets through Alchemy. This means a single dashboard can show your checking account next to your Coinbase portfolio and Ethereum wallet.
Copilot focuses on bank accounts and investment accounts supported by Plaid. If your finances are entirely traditional, this covers most needs, but crypto holders will need a separate app to track those assets.
Clarity is the better choice if you hold crypto alongside traditional accounts. Copilot is sufficient for users with only bank and brokerage accounts.
Setup Time
Complex onboarding means more people abandon before getting value.
Clarity runs in the browser, so there is nothing to install. Connecting banks is fast via Plaid Link, but adding crypto exchanges requires entering API keys, which adds a few minutes to setup.
Copilot offers a native iOS experience with a polished onboarding flow. Apple Sign-In and Plaid Link make initial setup remarkably quick, often under two minutes for a few accounts.
Copilot has the edge on first-run setup speed thanks to its native app experience. Clarity trades a slightly longer setup for broader asset coverage.
Pricing Predictability
Hidden fees, usage tiers, and surprise price hikes erode trust.
Clarity charges a flat subscription with no per-account fees or asset-based pricing. You pay the same whether you connect two accounts or twenty.
Copilot uses an annual subscription model. While straightforward, the price has risen over time, and premium features may require a higher tier.
Both use subscription pricing, but Clarity's flat model is more predictable for users with many accounts.
Export & Reporting
Your data should be portable. Tax season, accountant handoffs, and audits require clean exports.
Clarity supports CSV exports for transaction data and PDF reports for net worth summaries. Cost-basis tracking for crypto adds value at tax time for digital asset holders.
Copilot provides basic CSV export and in-app spending reports. It lacks dedicated tax reporting or portfolio-level export features.
Clarity offers more structured reporting, especially for users who need crypto cost-basis data alongside traditional account exports.
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 See the Full Picture?
14-day free trial. No credit card required. Banks + crypto in one place.
Need plan details? See pricing.