Tovari vs Copilot
Copilot is one of the best-built finance apps on iOS. The trouble is getting your money into it, and checking it once it's there.
Copilot has no file import. None. If a bank won't connect — and small credit unions often won't — there's no way to get that account's history in at all. We import CSV, OFX and QFX, so an account that can't sync is still a real account with real history instead of a hole in your net worth.
There's no reconciliation either, so your ledger is whatever the sync happened to produce. And household sharing means sharing one login. That works for a couple. Past that it gets awkward, and nobody can see who changed what.
Tovari and Copilot Money
| Feature | Tovari | Copilot |
|---|---|---|
| Starting price | $7.99/moor $54.99/yr | $13/mo |
| Annual cost | $54.99 | $95 |
| Envelope budgeting with true rollover | opt-in per category | |
| Automatic bank sync | ||
| Statement reconciliation | — | |
| Automatic transfer detection | linked, double-entry | undocumented |
| File import | CSV, OFX, QFX + saved mapping profiles | — |
| Full data export | complete archive | CSV |
| Safe-to-spend number | Free to Spend | |
| Recurring bill detection | + forecast | |
| Two-factor authentication | ||
| Household sharing | unlimited | shared login |
Comparison as of August 2026. Based on Copilot's published documentation, pricing pages, and help centers as of that date. Competitor pricing changes without notice. The same figures appear in the full five-way comparison on our pricing page.
Where Copilot is the better choice
Copilot is a beautiful piece of software with the sharpest categorization of the group. If you live entirely inside Apple's world and every one of your banks connects cleanly, it's a pleasure to use. Our iPhone app is younger than theirs and our Android app isn't out yet. If polish is what you're paying for, Copilot has more of it today.
Try it for 14 days
$7.99/mo or $54.99/yr. No card to start, and you can take everything with you the day you decide to leave.
Other comparisons
Tovari vs YNAB · Tovari vs Monarch · Tovari vs Rocket Money · Tovari vs Mint
Or see all five side by side on the pricing page.