Tuppence vs Copilot Money

Copilot Money is a polished all-in-one view of your finances, connected to over 10,000 US institutions, with investments and net worth. Tuppence is a spending log you fill in yourself, with budgets that tell you what's left. Here is how they compare.

Data checked on October 20, 2026

Log a spend in three seconds and always see what's left: Tuppence — free, no account, no bank connection.

Side by side

	Tuppence	Copilot Money
Price	Free; Tuppence+ $2.99 a week (3-day free trial) or $17.99 a year (7-day free trial)	1-month free trial, then $13 a month or $95 a year
Free version	Free forever: log, edit and delete spending, categories and templates, a searchable ledger, the monthly summary and one overall budget	Not stated in the listing
Bank linking	No, by design: you log spending yourself, no bank credentials	Over 10,000 US institutions, including Venmo, Apple Card and Coinbase
Categorization	You pick the category when you log the spend	Automatic, and it learns your habits
Budgets	One overall budget free; category and period budgets (day, week, month, year) with Tuppence+, with what's left as a big number	Adaptive, customizable budgets
Subscriptions	Weekly, monthly or yearly, with the total committed per month (Tuppence+); when you import a CSV it suggests which charges repeat	Tracks every recurring charge from your accounts
Investments and net worth	Not covered	Performance, intra-day updates, benchmarks, net worth
Where it runs	iPhone, iPad and Mac with Apple silicon (no Android or web)	Web, iPhone, iPad and Mac
Outside the US	Works anywhere: nothing to connect	Works with US financial institutions only
Account	No account to create	Not stated in the listing

Highlighted: the stronger app on that point, where the difference is clear.

Which one to choose

Choose Tuppence if

You don't want to connect your accounts, or you bank outside the US
You want a free version
A three-second manual log is enough for you

Choose Copilot Money if

You want every US account, card and investment in one place
You want automatic categorization that learns from you
You use the web as well as Apple devices

Frequently asked questions

How much does Copilot Money cost?

According to the US App Store listing, it has a 1-month free trial, then $13 a month or $95 a year. Tuppence is free for logging spending; Tuppence+ is $2.99 a week or $17.99 a year.

Does Copilot Money work outside the US?

The listing says Copilot Money works with US financial institutions only. Tuppence doesn't connect to banks at all, so it works the same in any country, in one currency you choose.

Do both work on Mac?

Yes. Copilot Money lists web, iPhone, iPad and Mac. Tuppence runs on iPhone, iPad and Macs with Apple silicon, and syncs through your iCloud with Tuppence+.