Switch from Copilot to Spendify
Beautiful design meets powerful debt planning. Get Copilot's ease of use plus a path to debt freedom.
8
Extra features
$79.99/yr
Spendify /yr
$95/yr
Copilot /yr
Spendify vs Copilot
A side-by-side look at what each app brings to the table
Debt-Free Date Calculator
Spendify
See your exact payoff date based on real balances, APRs, and your chosen strategy
Copilot
No payoff timeline — shows debt balances but no projection
Strategy Comparison
Spendify
Compare snowball, avalanche, and custom order side by side with interest savings
Copilot
No payoff strategy tools
What-If Scenarios
Spendify
See how extra payments, windfalls, or changes affect your payoff timeline instantly
Copilot
No scenario modeling
AI Financial Assistant
Spendify
Ask questions about your spending, get insights, and analyze trends in natural language
Copilot
No conversational AI — has basic spending summaries only
Unlimited Workspaces
Spendify
Create as many workspaces as you want — personal, household, side business, anything
Copilot
Single account per subscription — no workspace concept
Workspace Collaboration
Spendify
Invite anyone with role-based access — Owner, Admin, or Viewer per workspace
Copilot
No multi-user collaboration
Transaction Rules Engine
Spendify
Auto-categorize with multi-condition rules — match by merchant, amount, date, and more
Copilot
Basic auto-categorization
Android Support
Spendify
Available on both iOS and Android
Copilot
iOS only — no Android app
Transaction Tracking
Spendify
Full tracking with auto-categorization, search, filters, and receipt attachments
Copilot
Full tracking with clean categorization and search
Investment Tracking
Spendify
Portfolio balances and performance monitoring
Copilot
Portfolio tracking with performance and allocation
Net Worth Tracking
Spendify
Complete picture across all accounts and workspaces
Copilot
Net worth dashboard with historical trends
Budgeting
Spendify
Flexible budgets with category limits, rollovers, and spending insights
Copilot
Flexible budgets with category tracking
Better Value, More Features
Everything Copilot offers — plus the debt planning tools it doesn't
Spendify
$79.99/yr billed annually
Copilot
per year
Why People Switch from Copilot to Spendify
Copilot Money is known for its beautiful, Apple-native design. It’s a polished financial dashboard — but dashboards don’t pay off debt. If you’re carrying balances across multiple accounts, you need more than a pretty net worth chart.
Spendify matches Copilot’s commitment to great design while adding a complete debt planning engine. See your debt-free date, compare snowball vs avalanche strategies, and run what-if scenarios to understand exactly how extra payments accelerate your payoff.
Beyond a Single User
Copilot is built for one person. Spendify is built for your whole financial life. Create unlimited workspaces — one for personal tracking, one shared with your partner, even one for a side business. Invite collaborators with role-based access (Owner, Admin, or Viewer) so everyone has the right level of visibility.
AI That Works for You
While Copilot offers basic spending summaries, Spendify’s AI assistant lets you have real conversations about your finances. Ask about spending patterns, identify trends, or get recommendations — all from a natural language chat interface that understands your actual financial data.
Design + Purpose
Both apps believe finance tools should look and feel great. The difference is depth. Copilot gives you a beautiful overview of your finances. Spendify gives you that same overview plus actionable debt planning tools that turn insight into a payoff strategy.
And unlike Copilot, Spendify works on Android too — so your whole household can use it regardless of what phone they carry.
At $79.99/yr vs Copilot’s $95/yr, you’re getting more features for less money — and a clear path to financial freedom.
Ready to See Your
Debt-Free Date?
Join thousands of people who stopped guessing and started planning. Your future self will thank you.
Coming Soon