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Lunch Money vs Copilot Money: catalog facts
Lunch Money	Copilot Money
Paid Paid subscription after a 30-day free trial, with the price locked in for life.	Paid Subscription with a one-month free trial.
Web	macOS, iOS, Web
Strong multi-currency support Developer API and rules engine for automation	Spending, budgets, investments and net worth in one app Automatic transaction organisation
Paid after the trial Financial data is stored by a hosted service	No Android or Windows app Subscription required after the trial
Web application, Hosted service	Downloadable app, Hosted service
Closed source	Closed source
License not stated	License not stated
Account needed	Account needed
Not stated if it works offline	Not stated if it works offline
Official website Full listing and sources Checked September 23, 2026	Official website Full listing and sources Checked September 23, 2026

Catalog facts only. Anything “not stated” is unconfirmed. Check full listings for details.