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YNAB vs Copilot Money: catalog facts
YNAB	Copilot Money
Paid Paid subscription with a free trial that needs no credit card.	Paid Subscription with a one-month free trial.
Android, iOS, Web	macOS, iOS, Web
Clear zero-based budgeting method Free trial without a credit card	Spending, budgets, investments and net worth in one app Automatic transaction organisation
Subscription required after the trial Method takes active effort to keep up	No Android or Windows app Subscription required after the trial
Downloadable app, 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.