Is Copilot: Track & Budget Money free?

No. It is free to download, but there is no free tier. The description says pricing is a monthly or annual subscription with a 1-month free trial, and the App Store purchase list shows $13.00 a month or $95.00 a year. Some reviewers mention that the paywall only became clear after they had signed up and linked their accounts. Budget44 is free to download with no account, and lists Pro at $2.99 a week with a 7-day trial.

Does Copilot: Track & Budget Money work outside the United States?

Its core feature does not. The description says Copilot Money works with US financial institutions only, so a reader banking elsewhere cannot connect accounts at all. Budget44's listing does not address bank connections either way; it describes logging every expense, income, transfer, charge or payment by hand, offline, with no account.

Is there an Android version of Copilot: Track & Budget Money?

No Google Play listing surfaced for it in September 2026, and the description's own platform list is Web, iOS, macOS and iPadOS. Budget44 is on both stores, as Budget - Expense Tracker on the App Store and as com.ehmtech.budget on Google Play.

Can I enter transactions by hand in Copilot: Track & Budget Money?

The listing does not describe a manual entry mode; it is built around connected accounts. In the 500 most recent US reviews, 13 reviewers describe manual and offline accounts as existing but thin, with one writing that the manual add feature is extremely limited. Budget44 is manual by design, with five entry types: expense, income, transfer, charge and payment.

Which app has the better App Store rating, Budget44 or Copilot: Track & Budget Money?

Copilot: Track & Budget Money holds 4.75 from 30,277 US ratings. Budget44 holds 5.00 from 2 ratings, which is far too small a sample to mean anything. On rating alone, Copilot Money is the only one of the two with a number worth reading.

Which app keeps my financial data on the device?

Budget44 does. Its listing says all data stays on your device, with no sign-in and no cloud sync, and its App Store privacy label has only a Data Not Linked to You section, so it declares no data used to track you. Copilot: Track & Budget Money is a synced account by design, and its label declares Financial Info and Location linked to your identity for Analytics and App Functionality. Neither label shows a Data Used to Track You section.

Budget44 vs Copilot: Track & Budget Money

Disclosure: Budget44 is our app. This comparison is written honestly, including the places where Copilot Money is the better fit. Ratings and pricing are from the US App Store as of September 2026.

Quick answer

Copilot: Track & Budget Money by Copilot Money, Inc., written as “Copilot Money” in its own description and unrelated to Microsoft or GitHub Copilot, is a linked-account finance app that has been on the App Store since 2019. It connects to tens of thousands of financial institutions and categorizes transactions automatically. Spending, budgets, investments and net worth sit in one place, on iPhone, iPad, Mac and the web. Two catches sit in the listing: it works with US financial institutions only, and there is no free tier at all.

Budget44 (listed as Budget - Expense Tracker by EHM Tech LLC) is a manual money tracker for iPhone, iPad and Android. You log every expense, income, transfer, charge and payment yourself, and the listing says all data stays on your device, with no account, no sign-in and no cloud sync.

If your accounts are at US institutions and you want them pulled in and sorted for you, with investment performance in the same app, pick Copilot: Track & Budget Money. If you would rather keep your bank logins to yourself, or you want an app you can use without paying, pick Budget44.

Side-by-side

Feature comparison as of September 2026, based on each app’s US App Store listing, description, and privacy label. Ratings are US store totals.
Feature	Budget44	Copilot: Track & Budget Money
Platforms	iOS + Android (iPhone and iPad)	iOS + Mac (iPhone, iPad, a native Mac app, plus the web per the description)
US App Store rating	5.00 (2 ratings)	4.75 (30,277 ratings)
Last updated	August 2026	August 2026
Free-tier limits	Free to download, no account. What Pro adds is not stated on the listing	No free tier. Subscription only, after a 1-month trial
Paid plans	Pro at $2.99 a week, with a 7-day trial	$13.00 a month or $95.00 a year
Manual transaction entry	Yes, five types: expense, income, transfer, charge, payment	Not stated. The listing describes connected accounts, not hand entry
Bank account linking	Not stated	Yes, tens of thousands of institutions, plus Venmo, Apple Card and Coinbase. US institutions only
Automatic categorization	No, you pick the category on every entry	Yes, Copilot Intelligence learns your habits over time
Category budgets	Yes, one-off and recurring monthly templates	Yes, adaptive and fully customizable
Recurring bills and income	Yes, six cadences with an optional end date	Subscriptions and recurring charges Yes. Recurring income is not stated
Accounts and net worth	Yes, assets and liabilities with a net worth chart	Yes, spending, budgets, investments and net worth in one place
Investment tracking	Investment asset accounts only; no performance tracking stated	Yes, performance, intra-day updates and index benchmarks
Saving goals	Yes, target, deadline and a progress ring	Yes, linked to accounts and transactions
Calendar of recorded vs projected	Yes, with a projected end-of-month balance	Not stated
Themes	28 hand-built themes	Not stated
Multiple profiles or households	Not stated	Not stated
Export	Not stated	Not stated
Languages	1 (English)	1 (English)
Ads	No	No, the description says it never sells financial data or shows ads
Account required	No, works completely offline	Yes, an account with cross-device sync, plus connected banks
Data stays on device	Yes, with no account and no cloud sync	No, the model is a synced account across web, iPhone, Mac and iPad
Privacy label	Data Not Linked to You only, so no data used to track you	Data Linked to You: Financial Info, Location, Contact Info, User Content, Identifiers, Usage Data. No data used to track you

Where Copilot: Track & Budget Money wins

It does the typing for you. The listing says it connects to tens of thousands of financial institutions, with direct integrations for Venmo, Apple Card and Coinbase, and that Copilot Intelligence handles transactions automatically and learns your habits over time. That is the entire job Budget44 hands back to you, one entry at a time.

Investments sit beside the budget. Copilot Money tracks investment performance with intra-day updates and benchmarks holdings against market indexes, which Budget44’s listing does not do in any form. In the 500 most recent US reviews, 26 reviewers mention investments and net worth approvingly, usually as the reason everything lives in one app. Twelve reviewers rating it three stars or lower say the brokerage side is unreliable, one citing cash sweep accounts double-booked. So the feature is broad, but not airtight.

There is a real Mac app, and a web version. Mac is on Copilot Money’s App Store platform list, as a native Mac app requiring macOS 12.5, and the description adds the web: “Available on Web, iPhone, Mac, and iPad,” with cross-device sync between them. Budget44 runs on iPhone, iPad and Android, and has no Mac app and no browser version.

On the store since 2019, and an interface people stay for. Copilot: Track & Budget Money holds 4.75 from 30,277 US ratings and has been on the App Store since 2019. Updates shipped every few weeks through August 2026. Twenty-five of the 500 recent reviewers praise the design specifically, one calling it “like nothing out there.” Two-factor authentication through authenticator apps arrived in March 2026. Budget44’s 5.00 comes from 2 ratings, which is not a number anyone should lean on.

Where Budget44 wins

You can actually use it without paying. Copilot Money has no free tier: the download is free, the trial runs a month, and then it is $13.00 a month or $95.00 a year for everything in the listing. Some reviewers mention that the paywall only became clear after they had signed up and connected their banks. Budget44 costs nothing to download and asks for no account, and its listing runs through the whole feature set without naming a locked feature. Pro is listed at $2.99 a week with a 7-day trial.

No bank login changes hands. Budget44’s listing says it works completely offline, with no sign-in and no cloud sync, and that everything you log lives on your phone. Its privacy label has only a Data Not Linked to You section. Copilot Money cannot work without an account and connected institutions, and its label declares Financial Info and Location linked to your identity for Analytics, and Financial Info for Product Personalization.

Nothing syncs, so nothing desyncs. Twenty-six of the 500 recent Copilot Money reviewers report bank connections dropping and needing to be relinked, and 20 report duplicate or missing transactions, one of them describing edited categories vanishing after a reconnect. Budget44 has no connection to repair. You type the amount, and the app stores money as whole cents with no rounding drift.

Hand entry, a calendar and Android. Budget44 logs five transaction types, including charge and payment entries built for credit cards and loans. It runs recurring bills and income on six cadences with an optional end date, and marks recorded and projected entries separately on a calendar with a projected end-of-month balance. Copilot Money’s listing tracks recurring charges, but says nothing about scheduled income, a cadence with an end date, or a calendar. Add 28 hand-built themes and a Google Play listing, which Copilot Money does not have.

Pricing

Budget44 is free to download with no account, and the listing describes the whole feature set without naming a locked feature. Pro is listed at $2.99 a week with a 7-day trial. What Pro adds is not spelled out on the store page.
Copilot: Track & Budget Money by Copilot Money, Inc. is free to download but has no free tier. The description states monthly or annual billing with a 1-month free trial, and the purchase list shows $13.00 a month or $95.00 a year. Everything in the listing sits behind that subscription.

After the trial month, the cheapest a year of Copilot Money can cost is $95.00, and there is no way to run it for less. Budget44 can be used for a year without paying anything, though buying Pro every week for a year would cost more than Copilot Money’s yearly plan.

Which one should you pick?

Pick Copilot: Track & Budget Money if your accounts are at US institutions, you want transactions imported and categorized without touching them, you want investment performance and net worth in the same view, you work on a Mac or in a browser, and $95 a year is a fair price for never typing an expense in again.

Pick Budget44 if you would rather not hand a finance app your bank logins, you want something that works offline and without an account, you want a calendar that separates what you spent from what is still coming, you are on Android, or your bank sits outside the US and Copilot Money cannot reach it. Budget44 is new, though, with 2 US ratings behind its 5.00, while Copilot Money has 30,277.

Weighing more than these two? Our best budget apps roundup covers the wider field. And if you want the numbers before you pick an app at all, our free monthly budget calculator and net worth calculator run in the browser with nothing to download and no account.