Balance vs Copilot Money
Balance vs Copilot Money.
In short
Copilot Money and Balance, briefly
Copilot Money is known for its design and automatic categorisation. As of October 2026 its site lists $95 a year (about $7.92 a month) after a one-month free trial, on iPhone, iPad, Mac and the web (Copilot). It does not have an Android app, and reviews note that its bank connections are built for the US and Canada (FinCompareLab review).
Balance is free, runs in any modern browser and installs to your home screen, and never connects to a bank. That makes it usable anywhere, including Israel, at the cost of importing statements yourself (Apple Pay payments log themselves).
At a glance
Facts about Copilot Money as of October 2026, from the sources listed below. Prices and features change; check before you decide.
| Feature | Balance | Copilot Money |
|---|---|---|
| Price | Free (optional Plus for AI, $2.99/month) | $95/year after a 1-month trial |
| Platforms | Web app on any device (installs like an app) | iPhone, iPad, Mac, web |
| Android | In the browser | |
| Automatic bank sync | US and Canada | |
| Works outside the US and Canada | Limited (no local bank sync) | |
| Apple Pay payments | Logged right after you pay (iPhone Shortcut) | Arrive with bank sync |
| Investments tracking | ||
| Subscriptions found automatically | ||
| Hebrew interface |
Where Copilot Money is better
- Automatic bank and card sync, if you bank in the US or Canada.
- Investment and net-worth tracking from linked accounts. Balance tracks account balances you enter, not portfolios.
- Native apps for iPhone, iPad and Mac with years of design polish.
Where Balance is better
- Free, with no trial and no subscription.
- Works anywhere, because it does not rely on bank sync, and in Hebrew as well as English.
- No bank credentials, so nothing breaks when a bank connection drops.
- Works on Android too, where Copilot has no app, and installs to the home screen on any device.
The honest answer
Which one should you choose?
Copilot Money
Choose Copilot Money if you bank in the US or Canada, use Apple devices, want investments in the same app and are happy to pay for automatic sync.
Balance
Choose Balance if you live outside the US and Canada, use Android, prefer not to link your bank, or want a free tool.
Switching
Moving to Balance
- 1
Export your transactions
Export a CSV from Copilot or from your bank for the months you want to keep.
- 2
Import into Balance
Match the date, description and amount columns once. Duplicates are skipped.
- 3
Add the Apple Pay Shortcut
New Apple Pay payments then appear moments after you pay.
- 4
Set budgets and goals
Limits are suggested from your real spending.
Questions people ask
Sources
Competitor facts checked in October 2026.
Copilot Money is a trademark of its owner. Balance is not affiliated with or endorsed by Copilot Money. Spotted something out of date? Tell us through the contact page and we will fix it.
Related
Keep going
Try it free. No bank login.
Create a free account in a couple of minutes. Import a statement or turn on Apple Pay logging and see your month.