Copilot Money
Tiller Money
| Feature | Copilot Money | Tiller Money |
|---|---|---|
| Pricing | From $10.99/mo | From $79/mo |
| Free Plan | ✗ No | ✗ No |
| Rating | 4.6 / 5 | 4.3 / 5 |
| Best For | apple-users, millennials, budget-trackers, investors | spreadsheet-users, power-users, freelancers, accountants |
| Founded | 2019 | 2016 |
| Auto Categorization | ✓ | ✓ |
| Budgets | ✓ | ✗ |
| Investments | ✓ | ✗ |
| Recurring Detection | ✓ | ✗ |
| Insights | ✓ | ✗ |
| Net Worth | ✓ | ✗ |
| Bank Sync | ✗ | ✓ |
| Google Sheets | ✗ | ✓ |
| Excel | ✗ | ✓ |
| Templates | ✗ | ✓ |
| Reports | ✗ | ✓ |
| Daily Email Digest | ✗ | ✓ |
✓ Copilot Money Pros
- Beautiful design
- Automatic categorization
- Investment tracking
- Smart insights
✗ Copilot Money Cons
- iOS only
- No free tier
- US banks only
✓ Tiller Money Pros
- Unmatched customization via spreadsheets
- Cheaper than YNAB and Monarch Money
- Supports both Google Sheets and Excel
- Strong security with 256-bit encryption
✗ Tiller Money Cons
- No mobile app
- Steeper onboarding than typical budget apps
- Requires spreadsheet literacy
The Verdict
Copilot Money is built for apple users and millennials, with a focus on auto-categorization and budgets. Tiller Money targets spreadsheet users and power users and leads with bank-sync and google-sheets.
On pricing, Copilot Money is the clear winner for budget-conscious users — starting at $10.99/mo compared to $79/mo for Tiller Money. That $68.01/mo difference adds up quickly for growing teams.
Neither tool offers a free plan, so factor the subscription cost into your decision from the start.
Feature-wise, Tiller Money 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 unmatched customization via spreadsheets matters most to you, Tiller Money may still be the right call.
