Copilot Money vs Clarity
| Feature | Copilot | Clarity |
|---|---|---|
| Pricing | $95/year or $13/mo | $99/year or $12/mo |
| Bank Connections | 10,000+ via Plaid | 10,000+ via Plaid |
| Investment Tracking | ||
| Crypto Exchange Connections | ||
| Blockchain Wallet Tracking | ||
| Unified Net Worth (TradFi + Crypto) | ||
| Automatic Categorization | Yes | Yes (AI-powered) |
| Budget Tracking | ||
| Recurring Detection | Automatic detection | |
| Real-Time Crypto Prices | ||
| Cost Basis Tracking (FIFO) | ||
| Native Mac App | Web app (any browser) | |
| Android Support | Web app (any browser) |
Why Copilot is Popular
Copilot Money is one of the best-designed finance apps on the market. It's built for Apple users who want a beautiful, native experience:
- Gorgeous UI: Native iOS and Mac apps with smooth animations and thoughtful design
- Smart Categorization: Automatic transaction categorization that improves over time
- Investment Tracking: Portfolio performance, allocation breakdown, and cost basis
- Subscription Management: See and manage recurring charges
If you only use traditional banks and brokerages, Copilot is excellent. But if you hold any crypto, it simply can't help.
Why We Built Clarity
Copilot is great for traditional finance, but it misses a growing part of people's financial lives. In 2026, 1 in 5 Americans hold crypto. If you're one of them, your net worth in Copilot is incomplete.
1. Crypto Exchanges + Blockchain Wallets
Copilot connects to banks and brokerages via Plaid, but can't connect to crypto exchanges like Coinbase, Kraken, or Binance. And blockchain wallets (MetaMask, Phantom, Ledger)? Not supported.
Clarity's approach: Connect exchanges via API keys and wallets via public addresses. See your Coinbase holdings next to your Fidelity 401k. One dashboard, one net worth number.
2. Unified TradFi + Crypto Net Worth
Without crypto support, Copilot users who hold Bitcoin, Ethereum, or other assets need separate tools to see their full financial picture. Two apps, two logins, two incomplete views.
Clarity's approach: Banks, brokerages, crypto exchanges, and blockchain wallets in one place. Real-time prices. Accurate net worth that includes everything.
3. Web-First (Works Everywhere)
Copilot is Apple-only. If you have a Windows work laptop, a Chromebook, or an Android phone, you're locked out. Their web app launched in early 2026, but the experience is still iOS-first.
Clarity's approach: Web-first design that works on any browser, any device. Plus a native iOS app for mobile. No platform lock-in.
4. FIFO Cost Basis for Crypto Taxes
Tax season with crypto is painful. You need to track cost basis across exchanges, wallets, and DeFi protocols. Copilot can track stock cost basis but not crypto.
Clarity's approach: FIFO cost basis tracking with wash sale detection. Track gains/losses across all your crypto holdings. Export for tax filing.
When to Use Copilot vs Clarity
Choose Clarity if...
- You hold crypto alongside traditional investments
- You trade on crypto exchanges (Coinbase, Kraken, Binance)
- You use blockchain wallets (MetaMask, Phantom)
- You want a web-first experience
- You need unified TradFi + crypto net worth
- You need crypto cost basis for taxes
Stick with Copilot if...
- You only use Apple devices
- You want a polished native Mac app
- You don't hold any crypto
- You prefer iOS-native design
- You only use traditional banks and brokerages
Switching from Copilot to Clarity
If Copilot isn't tracking your full financial picture, switching takes 10 minutes:
- Sign up for Clarity's 14-day trial (no credit card required)
- Connect your banks via Plaid (same provider Copilot uses)
- Add crypto exchanges (Coinbase, Kraken, Binance via API keys)
- Add blockchain wallets (paste your public address)
- Set category budgets (Clarity auto-suggests based on spending)
- Check your real net worth — TradFi + crypto combined
Run both side-by-side for 2 weeks. If Clarity doesn't give you a more complete picture, cancel. No hard feelings.
Pricing: Copilot vs Clarity
Both apps are priced similarly:
- Copilot: $95/year or $13/month (Apple-only, no crypto)
- Clarity: $99/year or $12/month (any platform, full crypto support)
For $4 more per year, Clarity adds crypto exchanges, blockchain wallets, real-time crypto prices, FIFO cost basis tracking, and works on any device.
Frequently Asked Questions
Can Copilot track crypto?
No. Copilot Money connects to banks and brokerages via Plaid but does not support crypto exchanges or blockchain wallets. If you hold crypto, you need a separate tool. Clarity supports both in one dashboard.
Does Copilot work on Windows or Android?
Copilot launched a web app in early 2026, but the experience is still iOS/Mac-first. Clarity is web-first and works on any browser, plus has a native iOS app.
Is Clarity cheaper than Copilot?
They're similar. Copilot is $95/year, Clarity is $99/year. But Clarity includes crypto exchange connections, blockchain wallet tracking, and real-time crypto prices — features Copilot doesn't offer at any price.
Can I use both Copilot and Clarity?
Yes. Some users keep Copilot for its native Apple experience and use Clarity specifically for crypto tracking and unified net worth. Both connect via Plaid so your bank data stays in sync.
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