Budgeting apps for iPhone and MacHead to head
Copilot Money vs MoneyWiz
Copilot Money ranks #1 and MoneyWiz ranks #3 in our guide to the best budgeting apps for iPhone and Mac. Copilot Money is our pick for most people, and MoneyWiz is the best free option.
Copilot MoneyPick Copilot Money if you bank in the US and want transactions sorted without building a spreadsheet.From $13Best free
MoneyWizPick MoneyWiz if you bank outside the US or track investments, loans and several currencies.Free to startWhat decides it
- MoneyWiz costs less over 3 years: $179.97, against $285 for Copilot Money.
- Both run on Mac, iPhone and iPad. Only MoneyWiz runs on Apple Watch.
- MoneyWiz is included with a Setapp subscription; Copilot Money isn't.
- Copilot Money has the higher App Store rating: 4.8 from 31K ratings, against 4.6 for MoneyWiz.
Side by side
Prices are checked every day.
| At a glance | Copilot Money | MoneyWiz |
|---|---|---|
| Price | $13 a month or $95 a year, after a 1-month free trial | Free. Standard is $29.99 a year and Premium is $5.99 a month or $59.99 a year |
| How you pay | Subscription | Free, with paid upgrades |
| 3 years of use | $285 Yearly plan | $179.97 Yearly plan Cheaper |
| Free trial | Yes | Free to start |
| Runs on | Mac, iPhone, iPad | Mac, iPhone, iPad, Apple Watch |
| Where to buy | App Store | App Store, Setapp |
| Rating | 4.8 31K ratings Higher | 4.6 2.2K ratings |
| Features | Free trial | Free trial, Family Sharing |
| Made by | Copilot Money, Inc. | SILVERWIZ LLC |
| Last updated | 27 Oct 2026 | 19 Oct 2026 |
Who should get which
Get Copilot Money if
You live in the US and want 1 app showing where all your money went this month, no spreadsheet.
Get MoneyWiz if
You want investments, loans and several currencies tracked in 1 app, with bank sync wherever you bank.
Skip Copilot Money if
You bank outside the US, where Copilot can't connect to your accounts at all.
Skip MoneyWiz if
You want a quick monthly budget, and all of these screens and settings will feel like homework.
Our verdicts
Copilot Money
Apple made Copilot Money an Editor's Choice and an Apple Design Award finalist, and the app sorts every bank, card and investment transaction on its own, learning from the labels you fix. It also flags recurring charges you forgot about and tracks net worth on iPhone, iPad, Mac and the web. It only connects to US banks and costs $95 a year after a 1-month trial, while MoneyWiz has a free plan.
MoneyWiz
Copilot Money costs $95 a year before you track a single dollar, while MoneyWiz lets you log unlimited accounts and budgets for free if you enter or import transactions yourself. It also handles loans, investments, crypto and several currencies, with 30+ reports you can export. Automatic bank sync needs Premium at $59.99 a year, and the app has far more screens and settings than a simple budget app.
What each one helps you do
Copilot Money
- See every account and card in 1 place
- Find subscriptions you forgot you were paying
- Set budgets that adapt to how you spend
- Track your net worth and investments over time
MoneyWiz
- Track accounts in several currencies
- Connect banks in 55 countries
- See upcoming bills on a calendar
- Export money reports to PDF or CSV
Where to get them
Copilot Money
$13 a month or $95 a year, after a 1-month free trial
-
App Store, every deviceWith in-app purchasesFree downloadApp Store
MoneyWiz
Free. Standard is $29.99 a year and Premium is $5.99 a month or $59.99 a year
-
App Store, every deviceWith in-app purchasesFree downloadApp Store
-
IncludedTry Setapp
Some links earn us a commission, which never changes a pick.
Neither one quite right?
The other picks in our guide to the best budgeting apps for iPhone and Mac.
