Copilot Money Alternative
Copilot is sharp but iOS-only and budget-first. wlthy runs in any browser, puts net worth at the top, and covers crypto wallets, real estate, private equity and global currencies.
3-day free trial · Web on every device · Cancel anytime
Copilot is iOS / macOS-only. Wlthy runs in any modern browser, so the partner on an Android phone, the spouse with a Windows laptop and the family-office analyst with an iPad all log into the same ledger. No platform-shaped wall around your wealth.
Copilot is built around a budget cockpit; net worth is a derived stat. wlthy inverts that — your portfolio total is the headline, every asset class has its own surface, and cash flows are tracked at the asset-or-debt level instead of as monthly categories.
Per-asset AI briefs and a three-paragraph portfolio narrative. Anomaly detection flags moves you might miss; benchmarks overlay your net worth against the S&P or a custom target. AI on portfolio context, not just spending tags.
Feature comparison
Where wlthy moves past an iOS-only budgeting app. Every row below is in the default plan or the 3-day trial.
| Feature | Copilot Money | wlthy |
|---|---|---|
| Platform coverageWeb (every browser, every OS) — desktop, Android phone, iPad and iPhone in the same session. | iOS / macOS only | Supported |
| Primary focus | Budgeting and spending categorisation | Net worth and multi-asset tracking |
| Listed equities + ETFsLive quotes, sector + geography tagging. | Linked brokerage balance only | Supported |
| On-chain crypto wallet supportNative ETH / SOL / BTC + ERC-20 token discovery across six EVM chains. | Not supported | Supported |
| Real estate, vehicles, precious metals, private equityFirst-class forms per asset class with linked debt. | Not supported | Supported |
| AI-powered portfolio narrativeClaude-generated three-paragraph briefs + per-asset insights. | Spending categorisation only | Supported |
| Granular partner / co-ownership accessPer-asset, per-debt and per-cash-flow share splits. | Not supported | Supported |
| Estate-planning-ready Wealth Statement PDF | Not supported | Supported |
| Multi-currency lens13 currencies with native rendering for long-denom (JPY, TRY, CNY). | USD-centric | Supported |
| MCP / API for Claude & ChatGPT | Not supported | Supported |
| Pricing (entry tier) | USD $13 / month (Copilot) | €19 / month · 3-day free trial |
iOS, Android, Windows, Mac, Linux — same login, same ledger.
Per-asset shares with partner invitations. Not an upgrade tier.
Claude-generated portfolio narrative + per-asset briefs on every refresh.
Copilot is a polished US budgeting app — sharp UI, good spending insights — but it's iOS / macOS-only, US-centric, and treats net worth as a side stat instead of the headline. If you're on Android or Windows, manage wealth across multiple currencies, hold crypto wallets / real estate / private equity, or want the household partner to share access from a non-Apple device, wlthy is the cross-platform multi-asset alternative.
Yes. wlthy is web-first, so Android Chrome (and Firefox, and every other Android browser) opens it identically to iOS Safari. There's no native app to install — login at wlthy.io and the dashboard is mobile-optimised end-to-end.
Wlthy ships recurring cash flow tracking (rent, mortgage payment, dividends, salary) tied to the asset or debt that generates them. It does not currently ship per-transaction budgeting with category suggestions in the Copilot style — net-worth-first is the design call. If you need transaction-level budgeting alongside net-worth tracking, you can run wlthy + a dedicated budgeting tool in parallel.
Yes. Each household member gets their own login, their own 2FA, and a per-asset ownership share. The household lens sums the whole portfolio; each user only sees the shares they're entitled to. Granular per-asset / per-debt / per-cash-flow co-ownership is a first-class wlthy feature — not an upgrade tier.
Copilot is USD $13 / month or $95 / year. wlthy White is €19 / month with multi-asset support up to 10 of each (assets / debts / cash flows). Gray (€39) and Black (€69) lift the caps and add Detailed Reports + MCP / API for Claude integration. Every plan ships a 3-day free trial.
Wlthy is web-first, multi-asset and AI-powered. Three days free — see the cockpit and the Wealth Statement before committing.
3-day free trial · Cancel anytime · Swiss-built · Bank-grade security
“Copilot Money” is a trademark of Copilot Money, Inc. wlthy is not affiliated with, sponsored by, or endorsed by Copilot. Feature comparison reflects publicly available information as of the page's last update and is offered for prospective-user evaluation.