Money Tree
A Copilot Money alternative: Money Tree
Copilot Money is a paid app focused on Apple devices and US institutions. Money Tree starts with a 7-day trial and is built around a daily check-in.
Last reviewed
Why people look for a Copilot Money alternative
- There is no free plan: after the trial it costs USD 13 a month or USD 95 a year.
- It has no Android app and connects only US institutions.
What Money Tree offers instead
- An Android app as well as iPhone and Mac.
- Safe to Spend gives you one number for what you can spend today.
- A pay-period planner that sets your income against budgets and upcoming bills.
- Daily streaks, XP, coins and private leaderboards with friends make checking in a habit.
When to stay with Copilot Money
Choose Copilot Money if you use a Mac or iPad, want investment tracking alongside budgets, and bank with US institutions.
- A native Mac app as well as iPhone, iPad and web.
- Investment and net worth tracking, including asset allocation.
- Automatic categorisation and subscription detection.
- A one-month trial and a demo before you connect anything.
Copilot Money and Money Tree in brief
| Feature | Money Tree | Copilot Money |
|---|---|---|
| Price | A 7-day trial, then Plus as a monthly or yearly subscription; the store shows the price in your currency. | USD 13 a month or USD 95 a year, one plan with every feature. |
| Plans and trial | No. Every account starts with a 7-day trial of everything, then Plus is a subscription. | No free plan. A one-month free trial, and a demo you can try before connecting accounts. |
| Bank connections | Automatic, read-only sync through secure bank data providers. Connect as many banks as you like. | Automatic sync with more than 10,000 US institutions, mostly through Plaid, with Mastercard, MX and Akoya for some others, plus direct integrations such as Apple Card and Coinbase. |
| Platforms | iPhone, Mac and Android, from the App Store and Google Play. | iPhone, iPad, Mac and web. No Android app. |
| Budgeting style | Safe to Spend for today, category budgets with suggested limits, savings goals and a pay-period planner. | Category budgets with rollovers and automatic categorisation. |
| Where it works | Wherever its bank data providers cover your bank. The app shows the regions it supports when you connect. | US financial institutions only. |
Switching
Money Tree does not import from other apps. Connect your bank and your transactions arrive automatically, so there is nothing to move across. Plus shows twelve months of history from the day you connect.
Questions
What is a good alternative to Copilot Money?
It depends on why you are leaving. Choose Money Tree if you want a 7-day trial and a habit built on Safe to Spend, streaks and goals. Choose Copilot Money if you use a Mac or iPad, want investment tracking alongside budgets, and bank with US institutions.
Can I move my data from Copilot Money to Money Tree?
Money Tree does not import from other apps. Connect your bank and your transactions arrive automatically, so there is nothing to move across. Plus shows twelve months of history from the day you connect.
How much does Money Tree cost?
Money Tree has a 7-day trial of everything, with nothing held back. After the trial, Plus is a monthly or yearly subscription.
Sources
Checked on 6 October 2026. Prices and features change; check each provider before you decide.
- https://copilot.money/pricing/ (USD 95 a year, one-month trial, demo, iPhone, iPad, Mac and web)
- https://apps.apple.com/us/app/copilot-track-budget-money/id1447330651 (USD 13 a month and USD 95 a year in-app prices)
- https://www.copilot.money/faq (no Android app, US institutions only, more than 10,000 institutions)
- https://help.copilot.money/en/articles/10768078-how-do-you-get-my-financial-data (Plaid, Mastercard, MX, Akoya and direct integrations)
- https://apps.apple.com/app/id6794328903 (Money Tree features, Plus and the 7-day trial)
Copilot Money is a trademark of its owner. Money Tree is not affiliated with or endorsed by Copilot Money. This page compares publicly available information and is not financial advice.