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Copilot Money alternatives for Android, web and Mac

Copilot is a polished, bank-fed money app for iPhone, iPad, a native Mac app and the web, for US accounts in US dollars, at $95 a year on 24 October 2026. What it does not have is an Android app, any account outside the US, or a stated offline mode. These seven apps cover a household with an Android phone, a desktop app on a Mac or a PC, or a budget that has to work with no connection.

  • Every account linked, with an Android appMonarch
  • A method, on Android and the webYNAB
  • Many currencies, web firstLunch Money
  • A desktop app for Mac, Windows and LinuxActual Budget
  • Android, a native Mac app and offlineTavala
  • Free on Android, from notificationsCashew
  • One left-over number, bank-linkedPocketGuard

By Dejan Bogatinovski, founder of Tavala. Updated .

Why people look past Copilot

Android. Copilot has no Android app, and its pages do not mention one. In a household with one iPhone and one Android phone, the Android user is left with the web app.

Country and currency. Copilot works with US-based accounts only, is sold only in the US App Store, and supports only US dollars: foreign transactions arrive in dollars, as the data provider reports them. Moving abroad, or holding an account in another currency, means the numbers stop adding up.

Sharing. Copilot has no household feature. Its help describes forwarding a sign-in link so a partner signs in to your account, where every logged-in device has full control of it. There are no separate logins and no private corner.

Offline and price. Copilot does not state offline use, and it is $95 a year, or $13 a month in the App Store, after a one-month trial, with no free plan.

Seven Copilot alternatives side by side
AppPlatformsWorks offlineCurrenciesBank connectionsPrice
MonarchiPhone, iPad, Android, webNo Mac or Windows appNot statedNo conversionShows every amount as $; USD or CAD accounts advisedIncluded, at the coreUS and Canada only, 13,000+ institutions$99.99 a yearor $14.99 a month (Core); Plus $199.99 a year
YNABiPhone, iPad, Android, webApple Watch; its app list shows no desktop appAdvertised"even offline!" on its features pageOne per planIts advice for several: a separate plan for eachIncludedSelect banks in the US, Canada and 18 European countries, UK included$109 a yearor $14.99 a month; 34-day trial
Lunch MoneyWeb, with iPhone and Android apps"primarily a web-first experience"; iPhone app is iPhone onlyNot stated160+ currenciesTotals in a primary currency you can changeOptionalPlaid in the US, Canada and 17 European countries; no UK$60 to $150 a yearYou set the yearly price (default $100); or $10 a month
Actual BudgetMac, Windows, Linux, webDesktop app; mobile is an installed web pageYes"works regardless of your network connection"One"does not support multi-currency"Optional, set up yourselfNeeds your server; SimpleFIN ($15 a year) or Enable BankingFree softwareHosting from $2 a month (PikaPods)
TavalaiPhone, iPad, Android, Mac, webA native Mac app; the web at app.tavala.ioEvery screenChanges sync when you are back onlineEvery currency in one space155 currencies and 96 cryptocurrencies; 2 per space on the free planOptional add-onBanks in the United States and Canada, through Plaid, $3.99 a month per bankFree; Plus $39.99 a yearor $6.99 a month on the web
CashewiPhone, iPad, Android, webThe web app has no Pro; no Mac app listedData on your deviceOffline use not stated in those wordsMulti-currencyOne currency per account; totals in the primary oneNoneNotification and SMS reading insteadFree; Pro $11.99 a yearOr $1.49 a month, $19.99 once (US App Store)
PocketGuardiPhone, Android, webApple Watch; no iPad or Mac app listedNot statedNot statedIncluded, at the coreUS and Canada on its pricing page; the UK too in its help$74.99 a yearor $12.99 a month; $149.99 once for life; 7-day trial
Checked on 24 October 2026 on each app's own pages, US prices: Monarch, YNAB, Lunch Money, Actual Budget, Cashew and PocketGuard.

Monarch, for linked accounts, on Android too

  • Price: $99.99 a year
  • Platforms: iPhone, iPad, Android, web
  • Currencies: No conversion

Monarch is the nearest match to Copilot that runs on Android: it aggregates accounts at more than 13,000 institutions into budgets, cash flow, investments and net worth, with an AI assistant, on iPhone, iPad, Android and the web. A partner joins free with their own login, which Copilot's shared sign-in does not offer, and it reaches Canada as well as the US.

Core is $99.99 a year or $14.99 a month after a 7-day trial that needs a payment method; Plus is $199.99 a year. It defaults to flex budgeting, with category budgets as an option.

Where it falls short: No Mac app, no currency conversion, the US and Canada only, and offline use is not stated.

Monarch's own pricing page

YNAB, for a budgeting method on Android and the web

  • Price: $109 a year
  • Platforms: iPhone, iPad, Android, web
  • Currencies: One per plan

YNAB runs on iPhone, iPad, Android, Apple Watch and the web, and its method is the opposite of Copilot's: instead of watching categorised spending arrive, you give every dollar a job before you spend it. Direct Import covers select banks in the US, Canada and 18 European countries, including the UK, and it advertises offline access.

It is $109 a year or $14.99 a month after a 34-day trial with no card, and up to six people share one subscription with their own logins. College students get a year free.

Where it falls short: No desktop app (on a Mac it is the web app), one currency per plan, and a method that takes real setup.

YNAB's own pricing page

Lunch Money, for a web budget with Android and iPhone apps

  • Price: $60 to $150 a year
  • Platforms: Web, with iPhone and Android apps
  • Currencies: 160+ currencies

Lunch Money is web first, with companion apps for iPhone and Android, and handles more than 160 currencies with totals in a primary currency you can change. Bank imports through Plaid are optional in the US, Canada and parts of Europe; CSV and PDF statements import too, and there is a developer API.

The yearly price is yours to set between $60 and $150, or $10 a month, after a 30-day trial with no card. Any number of collaborators get their own logins at no extra charge.

Where it falls short: No free plan, the phone apps are companions to the web app, and offline use is not stated.

Lunch Money's own pricing page

Actual Budget, for a desktop app on Mac, Windows or Linux

  • Price: Free software
  • Platforms: Mac, Windows, Linux, web
  • Currencies: One

Actual Budget is a free, open-source desktop app for Mac, Windows and Linux that works offline out of the box and keeps data on your device. It is envelope budgeting rather than Copilot's tracking, with a tracking budget as an option, rules, schedules for bills and reports.

There is no official Android or iPhone app any more: on a phone it is an installed web page, which works offline too, and syncing between devices needs a server you run or rent, from about $2 a month. Bank sync is optional, through SimpleFIN in North America ($15 a year) or Enable Banking in Europe.

Where it falls short: One currency, no native phone app, and setup that Copilot never asks of you.

Actual Budget's own pricing page

Tavala, for Android, a native Mac app and offline

  • Price: Free; Plus $39.99 a year
  • Platforms: iPhone, iPad, Android, Mac, web
  • Currencies: Every currency in one space

Tavala runs on iPhone, iPad, Android, a native Mac app and the web, so one household can share a budget across both kinds of phone. It is a private, offline-first personal finance app: every screen works without a connection, it starts with no account and no bank, and each entry is one typed line in any currency, at the rate of its day. Budgets show what is left, safe to spend subtracts the bills due before payday, and debts get a snowball or avalanche plan.

The free plan does not end: two currencies per space and one synced device. Tavala Plus is $39.99 a year or $6.99 a month on the web for every device, every currency and a space shared with up to six people, each with their own account. A read-only bank connection through Plaid is an optional add-on to Plus, for banks in the United States and Canada, at $3.99 a month per bank.

Where it falls short: Built for typing entries, with the bank feed as an add-on rather than the core; no Android widget and no receipt scanner. The App Store and Mac App Store listings are not public yet, so on an iPhone or a Mac it runs in the browser today.

Tavala pricing

Cashew, for a free tracker on Android

  • Price: Free; Pro $11.99 a year
  • Platforms: iPhone, iPad, Android, web
  • Currencies: Multi-currency

Cashew is a free, open-source (GPL-3.0) tracker for Android, iPhone, iPad and the web, with data on your device and backups in your own Google Drive. It holds one currency per account and converts totals with daily rates. On Android it can add spending from bank notifications or SMS, which stands in for a bank connection.

Pro is $11.99 a year, $1.49 a month or $19.99 once in the US App Store; what it unlocks is not listed on Cashew's pages, and the web app has no Pro. Entries can also be added with AI, through Gemini or Apple Intelligence.

Where it falls short: No bank connections, no shared budgets unless two people share one Google account, and no Mac app listed.

Cashew's own pricing page

PocketGuard, for one left-over number, bank-linked

  • Price: $74.99 a year
  • Platforms: iPhone, Android, web
  • Currencies: Not stated

PocketGuard is a bank-linked budgeting app built around one figure, Leftover: what is left to spend after bills, budgets, goals and debt payments. It runs on iPhone, Apple Watch, Android and the web, connects institutions in the US and Canada (its help adds the UK), and has a debt payoff plan with a debt-free date.

Premium is $74.99 a year, $12.99 a month or $149.99 once, after a 7-day trial; these prices come from an archived copy of its own pricing page, because the live site could not be read from outside the US. A Basic tier exists, with limits it does not state.

Where it falls short: No iPad or Mac app listed, one shared login for a couple, and currencies and offline use not stated.

PocketGuard's own pricing page

How to choose

Start with the devices in your household. If anyone uses Android, Copilot is out, and the bank-fed swap is Monarch, with a partner on their own login; YNAB, Lunch Money, Cashew, PocketGuard and Tavala also run on Android. If you want a real desktop app, Actual Budget runs on Mac, Windows and Linux and Tavala has a native Mac app; Monarch, YNAB, Lunch Money and PocketGuard use the web on a computer.

Then decide whether you still want a bank feed. If you do and you are in the US, Monarch and PocketGuard are closest to Copilot. If you live outside the US, YNAB's import reaches Canada and 18 European countries, and Lunch Money's reaches Canada and parts of Europe. If you would rather not link a bank, or want a budget that works with no signal, Actual Budget and Tavala work fully offline, and Cashew keeps everything on your phone.

Leaving Copilot with your data

Copilot exports all transactions as CSV from Settings on iOS, or filtered transactions on a Mac, an iPad or the web, with the date, name, amount, category, account, notes and recurring flags. Monarch imports CSV on the web with Account, Amount and Date columns; Actual Budget, Lunch Money and YNAB (on the web and iPad) import CSV files too; Cashew imports CSV with column mapping.

Tavala cannot import that file yet. Keep it as your archive and start with today's balances, your recurring bills and your budgets. If you bank in the United States or Canada, Tavala's bank add-on imports up to about two years of history from each connected bank, as far back as the bank allows.

How this page was made

We picked seven apps that fill the gaps Copilot's own pages show: no Android app, US accounts and US dollars only, a shared login instead of separate ones, and no stated offline use. We compared platforms, offline use, currencies, the countries bank connections reach and price. Every fact comes from the vendor's own pages on 24 October 2026, in US prices, except PocketGuard's: its site could not be loaded outside the US, so it was read from archived copies of its own pages (the pricing page as of 15 October 2026). We check every app again each quarter. Tavala publishes this page and is on it, with its limits stated the same way as everyone else's.

Questions

Is there a Copilot Money alternative for Android?
Yes. Monarch is the closest: a bank-linked app on Android, iPhone, iPad and the web. YNAB, Lunch Money, PocketGuard, Cashew and Tavala also run on Android.
Which Copilot alternative has a Mac app?
Actual Budget has a desktop app for Mac, Windows and Linux, and Tavala has a native Mac app (its Mac App Store listing is not public yet, so on a Mac it runs in the browser today). Monarch and YNAB have no Mac app and run in the browser.
Which Copilot alternative works outside the US?
YNAB imports from select banks in Canada and 18 European countries; Lunch Money covers Canada and parts of Europe; Monarch and PocketGuard reach Canada. Actual Budget, Cashew and Tavala work anywhere, with spending entered by hand.
Is there a free alternative to Copilot?
Cashew is free with an optional Pro, Actual Budget is free if you run its server, and Tavala's free plan does not end. None of them links US banks for free the way Copilot does for its subscription.

Go further

Start with what you spent today.

There is no account to create and no card to enter. Pick your currency, add what you paid, and Home shows what is left.

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