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Clarity vs Copilot Money: pricing, features, and fit
Copilot Money is a polished Apple-platform tracker. Clarity is platform-agnostic and goes deeper on crypto, taxes, life-event planning, and merchant analytics.
Copilot Money~$13/mo or $95/yrClarity Pro$19/mo or $179/yr
30-day money-back guarantee. Read-only — Clarity never moves your money.
Best fit for Clarity
Banks + brokerages + 130+ crypto exchanges + 40+ chains on any device.
Best fit for Copilot Money
Apple-platform households who want a beautifully designed budgeting app.
Score at a glance
Average across 7 criteria — every cell dated and sourced below.
- Clarity4.3
- Copilot Money3.6
Where Clarity goes further
130+ crypto exchanges + 40+ chains
Copilot Money: Coinbase + limited wallets.
Coinbase, Binance, Kraken, MetaMask, Phantom, Ledger — direct APIs and on-chain reads.
Lot-level cost basis + Form 8949
Copilot Money: No tax-lot workflow or Form 8949 export for crypto.
FIFO/HIFO/LIFO across exchanges and wallets; wash-sale flags; tax-ready exports.
Life-event planner with mutable budget state
Copilot Money: No scenario planner — budgets are tuned to month-by-month spending only.
Model a job change, baby, or home purchase — forecast cash flow against real accounts.
Merchant-level analytics
Copilot Money: Category-level review-driven categorization, not merchant-rollup analytics.
Amazon, DoorDash, Spotify normalized and rolled up across years — beyond category averages.
AI grounded in your real transactions
Copilot Money: AI is review-and-categorize, not transaction-cited Q&A.
Every answer cites the underlying transaction; nothing fabricated.
Runs on any device with a browser
Copilot Money: Apple-first design; the web app launched December 2025 and still trails the native apps.
Web-first product that works on Windows, Android, Linux, ChromeOS, iOS, and macOS.
Clarity AI in action
Four questions Clarity can answer beyond a pretty iOS spending tracker
Copilot is an Apple-first spending tracker with a beautiful UI. Clarity adds cross-platform coverage, 130+ crypto exchanges, on-chain wallets, lot-level cost basis, and the tax forms that fall out of it.
Cross-asset concentration
You: What's my real tech exposure including target-date funds and crypto?
42.1% — higher than your stock-screen number.
Direct $184k (AAPL, MSFT, NVDA) + lookthrough $94k (VTSAX 28% tech + 401(k) TDF 23% tech) + RSU $62k + $38k ETH+SOL on-chain. Above your 30% concentration target.
Tax-loss harvesting
You: Anything worth harvesting before Dec 31?
$9,400 in losses · ~$2,250 saved at your bracket.
VXUS −$3,200 LT (replace with IXUS, avoids wash). BND −$2,100 LT (AGG ok). ETH lot from Mar 2024 −$1,400 ST. Crypto exempt from wash-sale today. Lot citations included.
Cost basis across venues
You: What's my cost basis on AAPL after the Schwab transfer?
$182.40 average (FIFO) across 312 shares.
218 shares from Schwab (transferred basis preserved) + 94 shares purchased at Fidelity. Lot table linked. Wash-sale check clean.
On-chain risk
You: Is my Aave loan close to liquidation?
Health factor 1.42 — 28% buffer to liquidation.
3.2 ETH supplied (Base) · $4,200 USDC borrowed. Liquidation price $1,640 vs spot $2,278. Refreshed 4 min ago. Alert threshold set at 1.20.
Every answer cites the underlying transactions, lots, or positions. Read-only — Clarity never moves money, never trades, never trains on your data.
Feature comparison
| Feature | Clarity | Copilot Money |
|---|---|---|
| Account Coverage Range of financial accounts and asset types supported. | Leads, score 5 out of 5 Banks · brokerages · 130+ crypto exchanges · 40+ chains · manual assets. May 2026 | Behind, score 3 out of 5 Banks + brokerages via Plaid. Coinbase + a limited set of crypto wallets. No on-chain coverage. May 2026 ↗ |
| Sync Reliability How consistently account data syncs without errors or manual intervention. | Tie, score 4 out of 5 Automatic retry · connection-health monitoring · explicit error states. May 2026 | Tie, score 4 out of 5 Plaid-backed syncs · iOS background refresh keeps balances current. May 2026 ↗ |
| Pricing Predictability How transparent and stable the pricing is over time. | Leads, score 5 out of 5 Pro $19/mo · $179/yr · 30-day money-back · no AUM %. May 2026 | Behind, score 3 out of 5 Paid only · ~$13/mo or $95/yr · short free trial · no free tier. May 2026 ↗ |
| Data Freshness How quickly new transactions and price changes appear. | Tie, score 4 out of 5 Multi-sync daily · on-demand refresh · real-time crypto prices. May 2026 | Tie, score 4 out of 5 Background refresh on iOS/macOS keeps bank data current throughout the day. May 2026 ↗ |
| Historical Depth How far back transaction and portfolio history extends. | Tie, score 3 out of 5 ~24 months from Plaid. Daily net-worth snapshots after sign-up. May 2026 | Tie, score 3 out of 5 Plaid history + ongoing trends. Net-worth charting lighter than multi-asset trackers. May 2026 ↗ |
| Export & Reporting Ability to export data and generate financial reports. | Tie, score 4 out of 5 CSV · net-worth · portfolio performance · Form 8949–ready crypto exports. May 2026 | Tie, score 4 out of 5 Transaction CSV export from settings. No crypto tax-form workflow. May 2026 ↗ |
| Privacy & Security Data protection practices, encryption, and privacy controls. | Leads, score 5 out of 5 Read-only · encrypted at rest · no ad model · no ad cookies · deletion ≤30 days. May 2026 | Behind, score 4 out of 5 Encrypted data · no ad model · uses aggregated/anonymized data for internal analytics. May 2026 ↗ |
Where Copilot genuinely wins
Copilot is the prettiest budgeting app on iOS — Apple-design polish, smooth animations, satisfying micro-interactions. If you spend your finance time on an iPhone and only need spending plus a light net worth, Copilot wins on craft.
What we verified
- Apple-first with a recent web launch
- Copilot's help center confirms the web app launched in December 2025; Copilot is currently available on iPhone, iPad, Mac, and Web. Copilot Money for Web ↗
- Crypto coverage = Coinbase + limited wallets
- Copilot's public materials reference Coinbase and a small set of wallets — no broad direct-exchange API or on-chain wallet workflow. Copilot product site ↗
- Strong privacy posture, with some data use
- Copilot's privacy & security page says it doesn't run ads and uses aggregated/anonymized data for internal analytics and business purposes. Copilot Privacy & Security ↗
Deeper, if you want it
How to get started with Clarity
easy·15 minutes (plus a 30-day overlap if you want one)
- 01Export your Copilot data from Settings → Export (CSV of transactions and balances).
- 02Sign up for Clarity and re-add the same Plaid bank and brokerage connections — balances appear immediately.
- 03Add the crypto exchanges and wallet addresses Copilot couldn't reach (Binance API key, MetaMask address, Ledger, etc.).
- 04Accept Clarity's web-first UI as the trade for cross-platform access; run both side-by-side for 30 days before canceling Copilot.
Frequently asked questions
Related comparisons
Related calculators
Crypto and tax math under the polish.
Banks, brokerages, crypto, and DeFi together. 30-day money-back guarantee — a full refund if Clarity isn't for you.
Sources
Trademarks belong to their owners. Clarity is independent and not affiliated with Copilot Money. Comparison reflects publicly available info as of 2026-05-18; verify current pricing on each vendor's site.