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Offline-first by design
Every record is in an encrypted SQLite database on your phone. Works in airplane mode.
MoneyWise vs Copilot
MoneyWise vs Copilot
Copilot is a beautifully designed budgeting app built for the Apple ecosystem — bank sync, investments, and built-in AI. MoneyWise brings local-first privacy, multi-currency support, and BYOK AI to users who want more control.
Two ways to track your money. Copilot is a polished iOS and Mac budgeting app. MoneyWise is local-first, multi-currency, and brings your own AI key.
At a glance
| MoneyWise | Copilot | |
|---|---|---|
| Pricing | $6.99/mo · $49.99/yr | $7.92/mo · $95.00/yr |
| Platforms | ||
| iOS | ✓ | ✓ |
| Android | — | — |
| Web | — | ✓ |
| macOS | — | ✓ |
| Windows | — | — |
| Linux | — | — |
| Features | ||
| Multi-currency | ✓ | — |
| Offline-first | ✓ | — |
| Local encryption | ✓ | — |
| Optional cloud sync | ✓ | — |
| BYOK AI (your key) | ✓ | — |
| Built-in AI (no key) | ✓ | ✓ |
| Investments | ✓ | ✓ |
| Budgets | ✓ | ✓ |
| Receipt photos | ✓ | — |
| Voice input | ✓ | — |
| Automatic bank sync | — | ✓ |
| Family sharing | ✓ | ✓ |
| No ads | ✓ | ✓ |
| No trackers | ✓ | — |
| Open source | — | — |
Where MoneyWise is different
▲
Bring your own AI key
Plug in your Anthropic or OpenAI key. Insights run with no extra subscription. Or use pooled credits in Pro.
●
Multi-currency from day one
Hold accounts in any currency. Convert with daily rates. No 'home currency only' lock-in.
★
No ads, no trackers
Nothing leaves your device unless you turn on optional encrypted sync. We literally cannot read your data.
AI you control
An advisor that runs on your terms
Most finance apps either don't have AI, or send your transactions to a vendor's server. MoneyWise lets you choose: bring your own Anthropic or OpenAI key, or use Pro's pooled credits. Either way, the AI sees only what you ask it to see.
- → Keys stored in iOS Keychain — never on our servers
- → Daily Brief, monthly summaries, and ad-hoc Q&A
- → Skip AI entirely — every other feature still works
Privacy, not a feature
Your data stays on your phone.
MoneyWise is built local-first. No ads, no trackers, no data sale — ever.
Offline-first
Every record is stored locally in an encrypted SQLite database. Works with airplane mode on.
Optional cloud sync
Sync across your own devices when you turn it on. Rows are encrypted at rest; we can't read them.
BYOK AI
Bring your own Anthropic or OpenAI key. Keys live in the iOS keychain and never transit our servers.
Which one is right for you?
Choose MoneyWise if MoneyWise
You use Android, you travel internationally with multiple currencies, you want your data stored locally on your device, or you prefer to bring your own AI key rather than using a vendor's built-in model.
Choose Copilot if
You live in the Apple ecosystem (iPhone + Mac), you prefer an elegant automated experience, and you're comfortable with a subscription that stores your data in the cloud.
Pricing
Free for everyday use. Pro when you need more.
No trial games. No dark patterns. Cancel any time in the App Store.
Free
Everything you need on a single device.
$0
- ✓ Unlimited records, accounts, and budgets
- ✓ Investments and portfolio tracking
- ✓ AI advisor (bring your own key)
- ✓ Local encrypted storage
Pro
Pro
Sync, backup, and more across every device.
7-day free trial
$49.99 /yr
or $6.99/mo
- ✓ Everything in Free
- ✓ Multi-device encrypted cloud sync
- ✓ Automatic cloud backup
- ✓ Receipt and attachment photos
- ✓ Pooled AI credits (no API key needed)
Take back control of your money.
Free to download. Pro subscription optional.
Android · Direct download
APK · Android 8+ · Pro upgrade via Play Store
Mac App Store
Coming soon · Mac App Store
iPad
In development
Apple Watch
In development
Frequently asked questions
Is Copilot available on Android? +
No — as of 2026, Copilot is iOS and macOS only. If you need Android support, MoneyWise, YNAB, and Monarch Money are cross-platform alternatives.
How does Copilot's pricing compare to MoneyWise? +
Copilot is $7.92/mo or $95/yr, subscription-only with no free tier. MoneyWise is free for a single device with unlimited records; Pro is $6.99/mo or $49.99/yr.
Does Copilot have AI features? +
Yes, Copilot has built-in AI that analyzes your transactions. MoneyWise also has an AI advisor, but it uses your own Anthropic or OpenAI key — so your financial data never flows through a third-party AI pipeline.
Does Copilot support multiple currencies? +
Copilot is designed primarily for US users with US bank accounts. It does not have robust multi-currency support. MoneyWise tracks accounts in any currency with daily exchange rates.
Where does Copilot store my financial data? +
Copilot syncs your bank data through Plaid and stores it on Copilot's servers. MoneyWise stores everything on your device in an encrypted database; cloud sync is optional and encrypted end-to-end.
Can I use both Copilot and MoneyWise? +
Yes — some users keep Copilot for its automated US bank sync and use MoneyWise for foreign currency accounts or for the offline/privacy guarantees. There's no technical conflict.