Disclosure: VaultFlow is ours. Copilot Money is not, and we have no deal with its makers. Both get the same four fields below, including their drawbacks.
Short answer
If you’re in the US and want a beautifully automated money app on iPhone, Mac and the web, Copilot Money is a strong subscription. Outside the US, or without a subscription, pick VaultFlow.
Copilot Money connects to 10,000+ US institutions (with direct Venmo, Apple Card and Coinbase integrations), categorises transactions with Copilot Intelligence, and tracks budgets, subscriptions, investments and net worth on the web, iPhone, Mac and iPad. It is a monthly or annual subscription with a one-month free trial, and it works with US financial institutions only.
VaultFlow doesn’t connect to any bank, so it works wherever your bank lets you download a statement file — and it is free.
Pick VaultFlow if
- You live outside the US
- You don’t want a subscription
- You don’t want to connect your accounts
Pick Copilot Money if
- Your banks are in the US
- You want transactions categorised for you
- You want it on your Mac and the web too
Side by side
| VaultFlow (ours) | Copilot Money | |
|---|---|---|
| Price | Free — no subscription | Monthly or annual subscription, with a one-month free trial |
| Account needed | None | A Copilot account |
| Getting transactions in | Import your bank’s statement file (CSV, OFX or QFX — duplicates skipped), describe your money in plain words, or add it yourself | Connects to 10,000+ US institutions; auto-categorised |
| Countries | Anywhere — it works with any bank’s CSV, OFX or QFX statement | US financial institutions only |
| Budgets | A budget and a colour on each category; refunds lower spending instead of counting as income | Adaptive, customisable budgets |
| Net worth | Accounts, any number of credit cards, investments with live prices, your home, loans and goals | Investments with intra-day updates, net worth and savings goals |
| Where you use it | iPhone and iPad (iOS 26.2 or later); no web app | Web, iPhone, Mac and iPad |
The two apps in detail
VaultFlow
Ours
- Best for
- People who want their whole net worth in one place without giving an app their bank login
- Highlights
- Assets, debts, property and investments in one net worth, with live prices for holdings
- Import the CSV, OFX or QFX statement your bank already gives you — duplicates skipped
- Or let ChatGPT, Claude or Gemini do the typing with ready-made prompts
- No bank login and no account; your data stays on your device and exports any time as a spreadsheet
- Pricing
- Free
- Watch out
- There is no automatic bank sync — to update, you import the statement file your bank lets you download (CSV, OFX or QFX) or add numbers yourself. It doesn’t sync between devices yet, needs iOS 26.2 or later, and runs on iPhone and iPad only.
Copilot Money
- Best for
- US iPhone and Mac users who want automated budgeting with polish
- Highlights
- Connects to 10,000+ US institutions, including Venmo, Apple Card and Coinbase
- Copilot Intelligence categorises transactions
- Web, iPhone, Mac and iPad
- Pricing
- Monthly or annual subscription with a one-month free trial
- Watch out
- US banks only, and there is no free plan after the trial.
The real difference: automation in the US, or a free app anywhere
Copilot is one of the best-designed money apps on the iPhone — if your banks are American and you’re happy to subscribe.
VaultFlow has no bank connection, which is exactly why it works in Canada, the UK, India or anywhere else: import the statement file, and your budget, bills and net worth stay on your device, free.
Other options
Want more than two options? Copilot Money Alternatives (Free, No Bank Login) compares 6 apps.
Every app of this kind we have compared is in the best net worth tracker apps for iPhone.
Common questions
Does Copilot Money work in Canada?
Its App Store listing says Copilot Money works with US financial institutions only.
Is Copilot Money free?
No. It is a monthly or annual subscription after a one-month free trial.
What is a free alternative to Copilot Money?
VaultFlow is free, works with any bank’s statement file, and keeps your data on your iPhone or iPad.
Is VaultFlow on Mac or Android?
No. VaultFlow runs on iPhone and iPad.
App Store listings checked on 29 September 2026. Prices change — each entry describes how an app is paid for rather than a number that goes stale.
Published · No affiliate links
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