Copilot Money is a polished Apple-focused app that tracks spending, investments and subscriptions from linked US accounts. Xpenses runs in any browser and plans your month from recurring bills and income, with or without a bank. If you use Apple devices and want everything linked automatically, Copilot is very well made.
| Copilot Money | Xpenses | |
|---|---|---|
| Price | $13/month or $95/year | Free plan; Pro $3.99/month or $34.99/year |
| Free trial or free plan | 1-month free trial | Free plan with no time limit |
| Platforms | iPhone, iPad, Mac and web | Web app on any device, Android phones included; iPhone and Android apps in preparation |
| Bank connection | Links to US financial institutions only | No bank connection needed: manual entry, statement import or photos of your banking app read on the device |
| Upcoming bills | Shows upcoming bills and recurring charges | Month list of recurring bills, one-tap paid, month-end forecast on the free plan |
Copilot Money is the better fit if…
Copilot suits iPhone and Mac users in the US who want accounts, investments and subscriptions tracked automatically in a native app.
Xpenses is the better fit if…
Xpenses suits people on Android or Windows, outside the US, or who do not want to link a bank, and those who want a free plan or a shared wallet for two.
Sources
- Copilot Money home page (2026-10)
- Copilot on the App Store (US) (2026-10)
Xpenses prices and features as of October 11, 2026.