Compared · Copilot Money
A Copilot Money alternative for everyone Copilot doesn't cover.
People rarely leave Copilot because it's bad. It's the best-looking money app on an iPhone, and its categorisation model trains on your own reviews. People leave because of three walls its own pages confirm: US financial institutions only, no Android, and crypto as a watch list rather than transactions. Orla stands on the other side of all three, and loses to Copilot on polish and price. Every claim below comes from Copilot's help and pricing pages, read on 29 July 2026.
Copilot is a beautiful app inside a fence. The question is whether your money lives inside it too.
- Budgets
- Both do monthly budgets with rollover. Copilot edits budgets month by month and rebalances within the total. Orla adds weekly, quarterly and yearly periods, a pace warning and Copy last month
- Categorisation
- Copilot: a per-user machine learning model that starts after 30 reviewed transactions, plus name rules. Orla: rules with contact and account conditions, merchant dictionary, repeating series, AI suggestions reviewed before applying
- Banks
- Copilot: 10,000 plus US institutions, with direct Venmo, Apple Card and Coinbase integrations, by their FAQ. Orla: open banking in the EU, UK, US and other regions, on paid plans
- Crypto
- Copilot: holdings and value from five exchanges plus BTC and ETH addresses and an xPub. Orla: trades, deposits and withdrawals as categorised transactions, five exchanges, four chain families
- Mobile
- Copilot: iPhone, iPad, Mac and web, no Android. Orla: no store listings; it installs from the browser on iPhone and Android, full screen with its own icon
- Price
- Copilot: 95 dollars a year billed yearly, one month free trial. Orla: a free manual ledger; live sync on paid plans, live prices on the pricing page
- Shared access
- Copilot: one account; their help suggests a magic link to share your own login. Orla: family, group and business spaces, separate logins, roles
The walls, in their own words
Their FAQ: "Copilot Money only supports US-based financial institutions and accounts", and "Copilot Money is available on iPhone (iOS), iPad (iPadOS), Mac (macOS), and Web" (www.copilot.money/faq, read 29.07.2026). The download page repeats the same four platforms and doesn't mention Android at all (www.copilot.money/download, 29.07.2026). And the crypto help page describes holdings and their near real-time value across Binance.US, Bitstamp, Coinbase, Gemini and Kraken on iOS, fewer on web, plus Bitcoin and Ethereum addresses and an xPub for Ledger and Trezor. It says nothing about transactions or spending categories, and the exchange list still includes FTX US (help.copilot.money/en/articles/6162313, 29.07.2026). None of that is a scandal. It's just a fence, drawn by them.
What crossing the fence gets you
Banks connect through open banking in the EU, UK and US, read-only, and a statement from anywhere else comes in as a CSV, a PDF or a photo in any language, right-to-left included. The interface speaks English, Spanish, Portuguese and Russian, and the base currency is whatever you live in. The crypto side is the deeper change: Binance, Bybit, OKX, Kraken and Coinbase connect on read-only keys and their trades, deposits and withdrawals become transactions with categories. Wallets on BTC, EVM chains, TRON and Solana do the same. A transfer between your own accounts is matched by its on-chain hash and stays out of cashflow, and the year closes with a FIFO capital gains report from the ledger you already keep.
Budgets and categorisation: honours roughly even
Copilot's budgets roll over by category, can be edited month by month, and rebalance within your total (help.copilot.money, Budget Rollovers and Editing Budgets by Month, 29.07.2026). Its Intelligence model is genuinely clever: your own reviews train a model that's yours alone, and it starts predicting after 30 of them (help.copilot.money, Copilot Intelligence for Spending, 29.07.2026). Orla matches the mechanics and differs in temperament: periods from a week to a year, a line naming the day you'll cross the limit, rollover, Copy last month, and an AI pass that shows its guesses before anything is applied rather than filing quietly. Pick by taste. Neither side embarrasses itself here.
Sharing: not close
Copilot has no second user. Their help article on sharing suggests forwarding a partner your own Magic Link sign-in email, and warns that "any additional logged-in devices will also have full control of the account" (help.copilot.money/en/articles/4523792, read 29.07.2026). Orla was built around spaces: personal, family, group and business, each person with their own login and role, budgets that show who spent what, and an expense split that settles by link. If money is a two-person subject in your house, this axis alone decides it.
Where Copilot stays ahead
Price: 95 dollars a year billed yearly with a month of trial (copilot.money/pricing, 29.07.2026), against our paid plans, which cost more. Polish: the app is beautiful and the Mac app is a real native app, while on a desktop we live in the browser. Reach inside the US: their FAQ counts "10,000+ US financial institutions, including direct integrations with Venmo, Apple Card, and Coinbase" (www.copilot.money/faq, 29.07.2026), and their data providers span Plaid, Mastercard, MX and Akoya (help.copilot.money, How Do You Get My Financial Data, 29.07.2026). A US iPhone user with fiat money and nobody to share a budget with has little reason to move.
Where the switch lands
Copilot rolls budgets over and rebalances them inside a total, by its own help pages. This is the same argument on our side, and the second card is the part its help does not describe: a warning that fires while the limit is still intact.
Nothing is over budget on this screen. Subscriptions have spent 1,240 of 1,300, and the amber line is the arithmetic of the days left rather than of the money left.
Is there a Copilot Money alternative for Android?
Copilot's download page lists Mac, iPhone, iPad and web, with no Android build (29 July 2026). To be plain about our side: Orla has no store listings at all. On a phone, Android or iPhone, it installs from the browser, full screen with its own icon. The difference is that it works on Android today.
Does Copilot work outside the United States?
Their FAQ says it plainly: "Copilot Money only supports US-based financial institutions and accounts" (29 July 2026). Orla connects banks through open banking in the EU, UK and US, and takes statements as CSV, PDF or a photo in any language for everywhere else.
Is Copilot's categorisation better than Orla's?
It's different. Theirs quietly trains a personal model on the transactions you review. Ours layers rules, a merchant dictionary, your own history and a repeating-series signal, and the AI pass shows its suggestions before applying them. If you enjoy training the model, their loop is satisfying. If you want to see why a row was filed, ours tells you.
Will my Copilot data import?
There's no one-click migration. CSV imports with column mapping, and connected banks and exchanges rebuild their own history once linked.
Where is Copilot simply better?
Design and feel, the native Mac app, direct Venmo, Apple Card and Coinbase integrations, and the price: 95 dollars a year against our costlier paid plans. All from their own pages, 29 July 2026.
Run your budget where your money actually is.
An open banking window or a read-only key, about four minutes either way.