Budgeting app comparison
Obsidian Tracker vs Copilot Money
Copilot Money is a paid app for iOS, Mac and web with account connection, AI transaction tagging, budgets with rollover and investment tracking with live estimates. Tracker is a free CSV-based tracker with per-platform annualized returns. Copilot fits Apple users who want automatic updates; Tracker fits people who want a free statement-based view.
Sources read and prices checked 2026-10-10.
Obsidian Metrics makes Tephra and Tracker, the two products this page compares against others. This page is written by the maker of one of the products compared, so read the competitor columns against their own pages, linked below each table. Competitor facts come only from the vendor pages listed under Sources, read on the date shown above; vendors change plans and prices without notice. We are not affiliated with any company named here, and all product names belong to their owners.
Tracker and Copilot Money side by side
| Feature | Tracker | Copilot Money |
|---|---|---|
| What it is | A personal money tracker for income, expenses, investments, withdrawals and fees, with a dashboard, per-platform annualized return (IRR) computed from the data you import, fee analysis, a bills planner and a printable Monthly Report. | A money app with account connection, spending tracking with AI-powered tagging, budgets with rollover, net worth and investment tracking. [1] |
| Price | Free for signed-in members. The printable Monthly Report is included with Premium, the same membership that includes Tephra ($19 a month in the Skool community, $29 a month direct), or costs $5 once. | $95 billed yearly, shown as $7.92 a month. The page hints at a monthly option but we did not see its price. [1] |
| Free trial | No trial needed for the free tier. An account is required. | A free trial is offered. The page we read does not state its length. [1] |
| Connecting your accounts | None. Import statements as CSV (32 presets covering banks, brokerages, crypto exchanges and platforms such as Fundrise and TreasuryDirect) or enter by hand. No bank linking, and no OFX or QFX import. Premium members can add read-only Coinbase and Kraken balances. | Account connection and aggregation is listed; the number of institutions is not stated on the page we read. [1] |
| Phones and sync across devices | Your data is kept in one browser on one device. Cloud sync is built but is not working today, and the app's 'Synced to your account' label does not reflect that. Export a CSV to keep a backup. | iOS, Mac and web. Android is not mentioned on the page we read. [1] |
| Investments | Annualized IRR for all platforms together and for each platform, computed from the cash flows you import, plus a fees page with annualized fee projections. | Tracks stocks, crypto and a home value, with live estimates and portfolio allocation views. [1] |
| Budgeting approach | A bills planner built on take-home pay: must-pay and luxury bills, what is left, a savings-first setting and a weekly fun-money amount. No category budgets or rollover in the documented feature set. | Budget management with rollover, subscription detection and cash flow analysis. [1] |
| Sharing | No sharing feature is documented. | Not stated on the page we read. [1] |
Where Copilot Money is better
- Copilot Money. It is the lower-priced of the three on an annual basis, lists live investment estimates and budgets with rollover, and runs on iPhone, iPad, Mac and web. [1]
Choose Copilot Money if: You use Apple devices and want connected accounts, automatic tagging, rollover budgets and investment tracking with live estimates.
Where Tracker is better
- No subscription for the core tracker; the cost is a free account.
- Per-platform annualized IRR and an annualized fee view across banks, brokerages, crypto exchanges and niche platforms, from statements you import.
- 32 CSV presets with a column-mapping preview before anything is imported, including niche platforms such as Atlas Earth, GoMining, Fundrise and TreasuryDirect.
- Tracker has no bank linking, so there are no bank logins to share. Optional read-only Coinbase and Kraken balances for Premium members use exchange API keys.
Choose Tracker if: You want a free tracker with annualized return and fee views built from imported statements.
Where Tracker falls short
- Cloud sync across devices is not working today. Data lives in one browser, and clearing site data loses it unless you exported a CSV.
- The JSON account export does not include locally stored transactions; use the CSV export in Settings.
- CSV import only; no bank connection, OFX, QFX or XLSX.
- The Fees page shows its first-to-last month one month early; dollar totals are right.
- Tracker cannot be used signed out.
Frequently asked
How much does Copilot Money cost?
Copilot lists $95 billed yearly, shown as $7.92 a month, and offers a free trial whose length the page does not state, as read on 2026-10-10. The page hints at a monthly option but we did not see its price.
Is Copilot on Android?
The page we read lists iOS, Mac and web and does not mention Android.
Does Tracker have AI tagging?
No. Tracker has presets for CSV columns and manual re-labelling and bulk reclassify.
More comparisons
Sources
Competitor facts come only from the pages below, accessed 2026-10-10.
- Copilot Money home page: https://www.copilot.money/ (accessed 2026-10-10)