Alternatives
Copilot Money alternatives
Copilot Money is a personal finance app for iPhone, iPad, Mac and the web. It categorizes transactions automatically, runs budgets that roll unspent money forward, surfaces recurring charges, and tracks investments, real estate and net worth from the accounts you link.
Why people look
Why people look for a Copilot Money alternative
The reasons that come up most. Whether they apply to you depends on what you want from a budget app, and whether you need the receipts behind it.
Copilot categorizes the charge, but a big-box receipt covers four categories.
Smartbills reads each item on the receipt, so you can see what the charge was made of.
My partner uses Android.
Smartbills runs on iPhone, Android and the web, and splits work across all of them.
I can see the charge but can't find the receipt to return the item.
Receipts are searchable by item, with return and warranty deadlines counted for you.
The shortlist
5 alternatives to Copilot Money
The apps people try instead of Copilot Money, each with what it's for. The order isn't a ranking, and the criteria are explained below.
- 01
Monarch Money
Monarch Money brings all your accounts, budgets and net worth together. Smartbills adds the itemized receipt behind each purchase.
Best forHouseholds who want every account, budget and goal in one shared view.
Compare it with Smartbills - 02
YNAB
YNAB plans every dollar before you spend it. Smartbills keeps the itemized receipts behind your spending, for splitting, returns and tax time.
Best forPeople who want to change how they plan their money, with a method to follow.
Compare it with Smartbills - 03
Rocket Money
Rocket Money finds subscriptions and can cancel them for you. Smartbills flags them too, and adds the itemized receipt behind every other purchase.
Best forUS households who want a full budgeting app and someone else to handle cancelling subscriptions and negotiating bills.
Compare it with Smartbills - 04
PocketGuard
PocketGuard shows what's left to spend after bills. Smartbills keeps the itemized receipt for what you did spend, for splitting, returns and tax time.
Best forPeople who want one number that says what they can safely spend today.
Compare it with Smartbills - 05
Goodbudget
Goodbudget brings envelope budgeting to your phone. Smartbills keeps the itemized receipts you spend from those envelopes, ready to split and return.
Best forHouseholds who like the envelope method and want to share one budget.
Compare it with Smartbills
Disclosure
And Smartbills, which is ours
Slipping our own product into a roundup without saying so is exactly what makes these pages worthless, so to be clear, this one is ours.
Smartbills
Best for: People who want receipts kept, split and ready for returns and tax time.
Smartbills vs Copilot MoneyHow this list was put together
These are the apps that come up alongside Copilot Money when people look for a budget app. The order is editorial rather than a ranking, because we don't benchmark apps we don't run, and Smartbills isn't a budget app itself: it keeps the receipts behind your spending. Each entry links to a full comparison with claims specific enough to check.
FAQ
Frequently asked questions
What people ask us before they sign up.
Get started
Comparing Copilot Money with something else?
Keep your budget where it is and let Smartbills keep the itemized receipts behind it, for splitting, returns and tax time. It's free.