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  • Strategist
  • Spender
  • Saver
  • Scrambler

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Priceless Tay
Find My Money Type

AI money tools comparison

Actual Budget vs Copilot Money

Updated

Actual Budget logoActual BudgetAI money tool
Copilot Money logoCopilot MoneyBudgeting app

Priceless Tay may earn a commission from some links on this page, and that never changes how we compare apps.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Short answer

Actual Budget is an AI money tool and Copilot Money is a budgeting app. Copilot Money costs $13 a month, or $95 a year billed yearly. We checked Copilot Money on Oct 24, 2026, but we haven't verified the price for Actual Budget yet, and the table below shows every fact with its source.

Actual Budget vs Copilot Money at a glance

Actual Budget is an AI money tool and Copilot Money is a budgeting app. This page puts what each company's official pages and app store listings say side by side, with the date we checked every fact. The table below has 6 rows, and any row we couldn't verify says so.

Price and fees

Copilot Money costs $13 a month, or $95 a year billed yearly. We haven't verified this for Actual Budget yet, so check the official site for Actual Budget before you decide. We checked Copilot Money on Oct 24, 2026.

Free trial

Copilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length. We haven't verified this for Actual Budget yet, so check the official site for Actual Budget before you decide. We checked Copilot Money on Oct 24, 2026.

Platforms

Copilot Money lists iPhone, iPad, Mac and Web. We haven't verified this for Actual Budget yet, so check the official site for Actual Budget before you decide. We checked Copilot Money on Oct 24, 2026.

Bank syncing

Actual has built-in bank syncing through goCardless in the EU and UK and SimpleFIN in the US and Canada. We haven't verified this for Copilot Money yet, so check the official site for Copilot Money before you decide. We checked Actual Budget on Oct 24, 2026.

Features

Copilot Money lists AI features. We haven't verified the features for Actual Budget yet. We checked Copilot Money on Oct 24, 2026.

App store rating

Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings. We haven't verified this for Actual Budget yet, so check the official site for Actual Budget before you decide. We checked Copilot Money on Oct 24, 2026. Store ratings are a dated snapshot from each listing, not our score.

Actual Budget and Copilot Money, side by side

Rows marked “Differs” are where the two official sources say different things.

Swipe the table sideways to see both apps.

Actual Budget compared with Copilot Money. Each cell shows the date it was checked and links to its source.
FieldActual Budget logoActual BudgetAI money toolActual Budget is an open source, local-first budgeting app built on envelope budgeting that you can self-host.Visit Actual Budget's siteCopilot Money logoCopilot MoneyBudgeting appCopilot Money is a paid budgeting and tracking app that uses AI to tag your transactions automatically.Visit Copilot Money's site
Price and feesNot verified yet.Copilot Money costs $13 a month, or $95 a year billed yearly.As of Oct 24, 2026. Source: copilot.money
Free trialNot verified yet.Copilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length.As of Oct 24, 2026. Source: copilot.money
PlatformsNot verified yet.Copilot Money lists iPhone, iPad, Mac and Web.As of Oct 24, 2026. Source: copilot.money
Bank syncingYes. Actual has built-in bank syncing through goCardless in the EU and UK and SimpleFIN in the US and Canada.As of Oct 24, 2026. Source: actualbudget.orgNot verified yet.
FeaturesNot verified yet.
  • Yes: AI features
As of Oct 24, 2026. Source: copilot.money
App store ratingNot verified yet.Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings.As of Oct 24, 2026. Source: App Store listing

App store ratings are a dated snapshot from each store listing, not our score. “Not verified yet” means we don't have a current official source for that line. Spotted a change? Tell us if something changed.

What the app looks like

Copilot Money

  • Copilot Money App Store screenshot 1 of 4, as of Oct 24, 2026
  • Copilot Money App Store screenshot 2 of 4, as of Oct 24, 2026
  • Copilot Money App Store screenshot 3 of 4, as of Oct 24, 2026
  • Copilot Money App Store screenshot 4 of 4, as of Oct 24, 2026
Screenshots: Copilot Money on the App Store, as of Oct 24, 2026.

Which fits your Money Type?

There are four Money Types: Strategist, Spender, Saver and Scrambler. Each card matches one type to what the sources say about these two apps.

  • Strategist

    Neither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.

    First fix: Save the Raise.

  • Spender

    Neither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.

    First fix: Sleep on It.

  • Saver

    Neither app's sources confirm a feature we match to this type yet, so the quiz is the better place to start.

    First fix: Put It to Work.

  • Scrambler

    Actual Budget lists bank syncing. Seeing every account in one place helps a Scrambler pay bills first.

    First fix: Bills First.

Not sure which one you are? Take the free Money Types quiz. It takes about two minutes.

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Another option: Fifecta

If neither Actual Budget nor Copilot Money feels right, here is one more option to look at. Fifecta gives every paycheck a plan with FUNDS, and it starts from your Money Type, so the plan matches how you already handle money.

Try Fifecta free

What real users say

These are other people's opinions, not Priceless Tay's. We quote public reviews and posts word for word, link each one and show its date, but we haven't checked the claims in them. A post counts toward a theme when it uses one of that theme's keywords, so a mention can be praise or a complaint.

What Actual Budget users say

Based on 3 Reddit posts, 7 YouTube videos and 24 Hacker News posts dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit and YouTube data with Apify, a scraping service, on Oct 24, 2026.

  • Of the 34 posts and videos we read, 11 mention syncing or connecting accounts.
  • Of the 34 posts and videos we read, 7 mention the price, fees or the subscription.
  • Of the 34 posts and videos we read, 7 mention how easy or hard the app is to use.

Positive

“Actual Budget is incredible. Happy (now free since it's gone FOSS, formerly paying) customer...”
pcchristie on Hacker News, . Read it on Hacker News.

Mixed

“Switched from ynab4 (used some version since 2011) to Actual Budget a few month ago. Some tiny ux issues, but improvement in many more areas.”
Semaphor on Hacker News, . Read it on Hacker News.

Critical

“Without rollover the app generates a balance that I never entered... an app that does not reflect my real-world balance.”
u/teink0 in r/actualbudgeting on Reddit, . Read it on Reddit.
Where these come from

What Copilot Money users say

Based on 500 App Store reviews, 4 Reddit posts and 4 Hacker News posts dated Nov 2025 to Oct 2026, read Oct 2026. We collected the Reddit data with Apify, a scraping service, on Oct 24, 2026.

  • Of the 508 reviews and posts we read, 104 mention how easy or hard the app is to use.
  • Of the 508 reviews and posts we read, 94 mention the price, fees or the subscription.
  • Of the 508 reviews and posts we read, 55 mention customer service or support.

Positive

“I switched to Copilot when Mint shut down. This app is much better than Mint ever was.”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Critical

“App was great until Schwab stopped connecting. Reverification fails. ... Support is completely unhelpful.”
App Store reviewer on the App Store, . See the App Store reviews. Apple doesn't give single reviews their own link, so this opens the app's reviews.

Mixed

“Copilot is great if you just wanna open it and get a “this minute” picture of your money but it could be better.”
u/cailian13 in r/portfolios on Reddit, . Read it on Reddit.
Where these come from

FAQ

How much does Copilot Money cost?

Copilot Money costs $13 a month, or $95 a year billed yearly. We checked this on Oct 24, 2026.

Does Copilot Money have a free trial?

Copilot Money says you can test drive the app before you connect an account and then start a free trial. Its pricing section does not list the trial length. We checked this on Oct 24, 2026.

What is Copilot Money's app store rating?

Copilot Money has 4.8 out of 5 on the App Store from 30,705 ratings. That's a snapshot from the store listing on Oct 24, 2026, not our score.

What devices does Copilot Money work on?

Copilot Money lists iPhone, iPad, Mac and Web. We checked this on Oct 24, 2026.

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Keep comparing

Full disclosure: Taylor Price, who runs Priceless Tay, owns Fifecta, so keep that in mind as you read this comparison.

Want a plan built on your Money Type?

Fifecta gives every paycheck a plan with FUNDS, so you know where each dollar goes.

Try Fifecta free
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Sources and dates

This is education, not financial advice.