MonyaA Copilot Money alternative that works on Android and with any bank
Copilot Money is a well-designed tracker for Apple devices and the web, built around US bank sync, at $13 a month or $95 a year. Monya runs on Android, iPhone and the web, works with any bank in any country because it never connects to your bank, and records spending by voice or screenshot. There’s a free version.
Free version forever. Premium comes with a free trial.
Monya vs Copilot at a glance
| Copilot | Monya | |
|---|---|---|
| Price | $13/month or $95/year | Free version; Premium with a free trial |
| Platforms | iPhone, iPad, Mac, web; no Android | Android, iPhone, web |
| How spending gets in | Bank sync with US banks, manual entry | Voice, screenshot, bank notifications (Android), CSV import, manual entry |
| Several currencies | US dollars only | Each account in its own currency |
| Languages | English | 18 languages |
Prices and features checked October 2026.
When Copilot is the better choice
If you live in the Apple ecosystem, bank in the US and want everything to sync automatically, Copilot is a beautiful app. Stay with it.
When Monya fits better
- You use Android, or your household mixes Android and iPhone.
- Your bank is outside the US.
- You spend in more than one currency.
FAQ
Is there a Copilot Money app for Android?
No. Monya works on Android, iPhone and in the browser.
Does Monya work outside the US?
Yes, in any country and with any bank, because it doesn’t connect to banks.
Is there a free version?
Yes, with manual entry, 2 accounts, reports, budgets and 5 AI entries a month. Premium starts with a free trial.