Looking for a Copilot Money alternative?
Copilot Money is one of the best-looking budgeting apps around. If you live in the Apple ecosystem, its design and native iPhone/iPad/Mac experience are hard to beat. But a few things send people looking for an alternative.
Why people look for a Copilot alternative
- No native Android app. Copilot is built for Apple (iPhone, iPad, Mac). It has added a web app, so Android users can log in through a browser, but there's still no dedicated Android app and the web version is newer and less complete.
- No free plan. Copilot is $13/month or $95/year, with a one-month trial (and a no-signup demo mode). There's no free tier.
- US-only, USD-only. Copilot supports US financial institutions only and tracks everything in USD, so there's no CAD or multi-currency. Canada isn't on its roadmap either; it's a voting option on Copilot's "which country next" leaderboard. OnTheBuck supports USD and CAD today.
OnTheBuck vs. Copilot
| OnTheBuck | Copilot Money | |
|---|---|---|
| Free plan | ✓ Yes, free to start (no card) | ✕ No (1-month trial) |
| Price | Free; Pro CAD $8/mo or $72/yr | US$13/mo or $95/yr |
| All accounts in one place | ✓ Yes | ✓ Yes |
| Budgets & spending | ✓ Yes | ✓ Yes |
| Cashflow view | ✓ Yes | ✕ No |
| Investment tracking | ✓ Yes, incl. TFSA & RRSP | ✓ Yes |
| Auto-categorization | ✓ Yes | ✓ Yes (AI) |
| Multi-currency | ✓ Yes, USD and CAD in one base currency | ✕ USD only |
| Shared households | ✓ Yes | ✕ Limited |
| Multiple Spaces | ✓ Yes, keep personal, business & family separate | ✕ One household |
| Bank connections | Read-only via Plaid (Canadian banks) | Plaid / MX / Mastercard / Akoya |
| Platforms | Web, iOS & Android | iPhone, iPad, Mac & web (no Android) |
The difference
Copilot is built around a gorgeous, native Apple experience. That's a real strength, and also a real limit. If you're on Android, share finances with someone who is, or just want to open your money on any device, it gets thin fast.
OnTheBuck is a web-first app that works the same on desktop and mobile, on any platform, with a free plan that's actually useful. You get net worth, budgets, spending, cashflow, investments, and shared Spaces, all connected read-only through Plaid, without being locked to one ecosystem.
Who should pick which
- Pick Copilot if you're all-in on Apple, in the US, and you'll happily pay for the most polished native design.
- Pick OnTheBuck if you want that all-in-one clarity on any device, with shared households and a free plan to start.
Start free. No app store required.
Competitor details are current as of 2026; check their site for the latest pricing and features.
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