A Simpler, Cheaper Copilot Money Alternative

If you like the idea of Copilot Money but not the ~$95-a-year price or handing an app your bank login, SimplifyPocket is a simpler, private, far cheaper alternative. Copilot is genuinely one of the best-designed budgeting apps on iPhone — so this is an honest look at where each one wins, not a takedown.

What Copilot Money does well

Credit where it's due. Copilot is widely considered the best-designed budgeting app on iOS, and its strengths are real:

• AI auto-categorization that learns your transactions.
• Investment tracking alongside your spending.
• A polished, native Apple experience across iPhone, iPad, and Mac.

If you want a slick, automatic, all-in-one money app and the price is worth it to you, Copilot is a great choice — no need to switch.

Where people look for an alternative

The things that make Copilot powerful are also why some people want something else:

• Price. As of 2026, Copilot runs about $13/month or $95/year — one of the pricier budgeting apps out there. (Check Copilot for current pricing.)
• It connects to your bank. The automation depends on linking your accounts, which means a third party holds access. Not everyone wants that.
• It's a lot of app. AI, investments, cash-flow forecasts — great if you'll use them, overkill if you just want to know what you spent.

How SimplifyPocket compares

SimplifyPocket takes the opposite, deliberately simple path:

• About a fifth of the price — $3.99/month or $19.99/year.
• No bank linking. You enter transactions yourself by voice or a tap, so your bank login is never shared.
• Just budgeting. No AI to second-guess, no investment dashboard — set category budgets, log spending, see what's left.

Which is right for you

Choose Copilot if you want automatic bank sync, AI categorization, investment tracking, and best-in-class design — and $95/year is worth it. Choose SimplifyPocket if you want the simplest, most private way to budget on your iPhone, without linking your bank, for a fraction of the cost.

Comparing a few apps? See our YNAB alternative, Monarch Money alternative, or the full roundup of budgeting apps that don't link to your bank.

Try it free

SimplifyPocket is on iPhone — private by design, no bank connections. Try it free for 7 days, no credit card required, then $3.99/month or $19.99/year. See the features or pricing.

Pricing and features for other services are described as of 2026 and may have changed — verify current details with each provider.