Tavala vs Copilot Money
Copilot is a polished, bank-fed money app for Apple devices in the US, in US dollars only, at $95 a year. Tavala runs on iPhone, iPad, Mac, Android and the web, in any country and any currency, with or without a bank, free to start. Choose Copilot if you are in the US, use only Apple devices and want automatic categorization from your banks; choose Tavala if anyone in your household uses Android, if you live outside the US, or if your money is in more than one currency.
What Tavala is
Tavala is a private, offline-first personal finance app for budgets and expenses in any currency, on iPhone, iPad, Android, Mac and the web. It starts with no account and no bank: you type what you paid in one line, in any of 155 currencies and 96 cryptocurrencies, and every entry keeps the exchange rate of its day. Budgets show what is left, bills feed a safe-to-spend figure, and debts get a snowball or avalanche plan. It is free to start; Tavala Plus is $39.99 a year on the web for every device, every currency and spaces shared with up to six people. A read-only bank connection is an optional add-on for banks in the United States and Canada.
What Copilot is
Copilot Money is a subscription app for iPhone, iPad, Mac (a native app) and the web, built on bank connections through Plaid and Finicity to more than 10,000 US institutions. It categorizes transactions automatically, has a conversational Money Assistant in beta, and shows no ads. It works with US-based accounts only, is available only in the US App Store, and supports only US dollars.
Devices
Copilot runs on Apple devices and the web; there is no Android app. Tavala runs on iPhone, iPad, Android, a native Mac app and the web, so a household with one Android phone and one iPhone can share one budget. Both have a native Mac app.
Countries and currencies
Copilot works only with US-based accounts and only in US dollars; foreign transactions arrive in dollars as the data provider reports them. Tavala works anywhere, holds every currency in one space and keeps the rate of the day on each entry.
Bank linking and sharing
Copilot is built on your bank connections. Tavala is built to work without them, with an optional read-only add-on for banks in the United States and Canada. For a partner, Copilot's help describes forwarding a sign-in link so they use your account, with full control. Tavala shares a space with up to six people, each with their own account and device, and each can keep private spaces.
Price
Copilot is $95 a year, or $13 a month in the App Store, after a one-month trial, with no free plan. Tavala is free to start and Tavala Plus is $39.99 a year or $6.99 a month on the web.
| What | Tavala | Copilot |
|---|---|---|
| Price | Free; Plus $39.99 a yearor $6.99 a month on the web | $95 a year$13 a month in the App Store; 1-month trial |
| Free plan | Free forever1 synced device, 2 currencies per space, 2 private spaces | NoneA 1-month trial |
| Platforms | iPhone, iPad, Android, Mac, webA native Mac app; the web at app.tavala.io | iPhone, iPad, Mac, webA native Mac app; no Android |
| Currencies | Every currency in one space155 currencies and 96 cryptocurrencies; 2 per space on the free plan | USD only"does not convert foreign currency transactions" |
| Bank connections | Optional add-onBanks in the United States and Canada, through Plaid, $3.99 a month per bank | Included, at the coreUS-based accounts only, through Plaid and Finicity |
| Works offline | Every screenChanges sync when you are back online | Not stated |
| Sharing | Up to 6 people per spacePart of Plus; people you invite never pay | A shared loginA partner signs in to your account |
| Start without an account | YesAn account adds backup and sync | NoA subscription service |
Choose Tavala if
- You or your partner use Android, or you want the same budget on a Windows PC through the browser.
- You live outside the US, or your money is in more than one currency.
- You want to budget without linking a bank, or offline, or with no account to start.
- You want each partner on their own account, with private spaces beside the shared one.
Choose Copilot if
- You are in the US, use only Apple devices and want automatic categorization from your banks.
- You want a native Mac app with the most polished bank-fed dashboard in this group.
Switching from Copilot
Copilot exports all transactions as CSV from Settings on iOS, or filtered transactions on Mac, iPad and the web. Tavala cannot import that file yet; keep it as your archive and start Tavala 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 two years of history from each connected bank.
Tavala publishes this page and is one of the apps on it. Facts about Copilot are from its own pages, checked on 24 October 2026. Corrections are welcome at the address on the about page.
Questions
- Is there a Copilot Money alternative for Android?
- Tavala runs on Android phones and tablets, as well as iPhone, iPad, Mac and the web, with the same account on all of them.
- Does Tavala have a Mac app like Copilot?
- Yes, a native Mac app with the menu bar, keyboard shortcuts and a widget. The Mac App Store listing is not public yet; Tavala runs in the browser on a Mac today.
Go further
- Tavala for AndroidThe same app on Android phones and tablets.
- Tavala for MacA native Mac app, with the menu bar and shortcuts.
- Shared spacesOne budget across an Android phone and an iPhone.
- Tavala on iPad and MacTavala on iPad and Mac is the same app with a side rail or sidebar, a menu bar and shortcuts. See where things sit and what differs from the iPhone.
- Spaces: keep separate money separateA space holds its own wallets, entries and budgets. Switch spaces from Home, create more, and share one with the people you budget with.
- What a connected bank importsA connected bank brings in transactions and balances for the accounts you chose. See how imported entries look, what you can edit and how pending ones settle.
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.