Compare
Wrenfold vs Copilot Money
Copilot Money is a polished subscription app that syncs your accounts. Wrenfold works offline from a file you own and imports your statements.
| What | Wrenfold | Copilot Money |
|---|---|---|
| Price | $79 once, then $5 a month for updates and email support. Free to try in your browser with up to 60 entries, no sign-up. | Copilot's pricing page shows $9 per month, or $109 billed yearly (marked as a limited-time price, instead of $119), with a 1-month free trial. |
| Where your data is kept | In a file on your own phone or computer. We never receive your accounts, balances or transactions. | Stored in the cloud: Copilot says it uses Google Cloud for its backend and encrypts data at rest and in transit. It states it never sees or stores your bank login credentials. |
| Devices | iPhone and iPad (from the browser, added to the Home Screen), Mac and Windows. One purchase covers all of them. | "Available on Web, iPhone, Mac & iPad." The pricing page does not list Android. |
| Getting your transactions in | Imports your bank's CSV, OFX or text PDF statements, with rules that categorize for you. No bank connection of our own; you can link SimpleFIN yourself, a separate paid service. | Yes. Copilot says "We connect most institutions via Plaid" and uses Mastercard, MX and Akoya for some institutions, with direct integrations for Apple, Capital One, Public and Coinbase. |
| If you stop paying | The app keeps working and your data stays yours. You stop getting updates. | "You can still access and use your Copilot account until the end of your current subscription period"; cancelling turns off auto-renewal. The article does not say what happens to data after the period ends; deleting the account (a separate action) removes budgets and data, fully from internal systems and backups within 60 days. |
| What it leaves out or adds | Not included: A bank connection of our own, tracking of individual stocks and funds, and an App Store app. | Advertised strengths: Up to 3 people can be on one account at no extra cost.; Copilot states it never sells financial data, trains external AI models on it, or shows ads.; The pricing page says "Connect to 16,000+ banks included".. |
Copilot Money details from its own pages, checked 2026-10-31: source 1, source 2, source 3. Prices and features change, so confirm on their site. Copilot Money is a trademark of its owner; we are not affiliated with it.
Choose Copilot Money if
You use Apple devices, want every account synced automatically with investment tracking, and prefer a subscription to doing imports.
Choose Wrenfold if
You use Windows or want to avoid a yearly subscription, you would rather your transactions never leave your device, and you are fine importing statements.
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FAQ
Questions about switching
What is the main difference between Wrenfold and Copilot Money?
Copilot Money is a polished subscription app that syncs your accounts. Wrenfold works offline from a file you own and imports your statements.
Does Wrenfold work on Windows?
Yes. It runs on Mac and Windows, and on an iPhone or iPad from the browser.
Does Wrenfold track investments?
It tracks account balances and net worth, not individual stocks and funds.
Who should choose Copilot Money?
Choose Copilot Money if you use Apple devices, want every account synced automatically with investment tracking, and prefer a subscription to doing imports.
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