Copilot Money
Ghostfolio
| Feature | Copilot Money | Ghostfolio |
|---|---|---|
| Pricing | From $10.99/mo | Free / from $5.99/mo |
| Free Plan | ✗ No | ✓ Yes |
| Rating | 4.6 / 5 | 4.3 / 5 |
| Best For | apple-users, millennials, budget-trackers, investors | privacy-focused-investors, self-hosters, passive-investors, international-portfolios |
| Founded | 2019 | 2021 |
| Auto Categorization | ✓ | ✗ |
| Budgets | ✓ | ✗ |
| Investments | ✓ | ✗ |
| Recurring Detection | ✓ | ✗ |
| Insights | ✓ | ✗ |
| Net Worth | ✓ | ✗ |
| Portfolio Tracking | ✗ | ✓ |
| Performance Analysis | ✗ | ✓ |
| Allocation Views | ✗ | ✓ |
| Multi Currency | ✗ | ✓ |
| Dividends | ✗ | ✓ |
| Benchmarking | ✗ | ✓ |
| Self Hostable | ✗ | ✓ |
✓ Copilot Money Pros
- Beautiful design
- Automatic categorization
- Investment tracking
- Smart insights
✗ Copilot Money Cons
- iOS only
- No free tier
- US banks only
✓ Ghostfolio Pros
- Open-source with self-hosting option
- Privacy-focused (no data selling or ads)
- Supports stocks, ETFs, crypto, commodities
- Beautiful portfolio allocation visualizations
✗ Ghostfolio Cons
- Limited broker integrations (manual entry mostly)
- Smaller community than commercial alternatives
- No tax-loss harvesting or advisor features
The Verdict
Copilot Money is built for apple users and millennials, with a focus on auto-categorization and budgets. Ghostfolio targets privacy focused investors and self hosters and leads with portfolio-tracking and performance-analysis.
On pricing, Ghostfolio is the clear winner for budget-conscious users — starting at $5.99/mo compared to $10.99/mo for Copilot Money. That $5/mo difference adds up quickly for growing teams.
Ghostfolio has a free plan, which gives it a meaningful edge for individuals and small teams exploring their options. Copilot Money requires a paid subscription from day one.
Feature-wise, Ghostfolio offers broader built-in capabilities (7 features vs 6), while Copilot Money takes a more focused approach — which can mean a simpler, faster onboarding experience.
Bottom line: Copilot Money has a slight overall edge — but if open-source with self-hosting option matters most to you, Ghostfolio may still be the right call.