Peggy vs Copilot Money
Copilot Money Alternative for Android + iOS in 2026
Copilot is a well-designed budget app — but it's iPhone and Mac only. Peggy runs on Android and iPhone, adds voice expense entry, shared wallets, and multi-currency. For $4/mo vs $13/mo.
Copilot is iOS-only. Here's what Android users can use
Copilot Money is available on iPhone, iPad, Mac, and Web — but has no Android app. If you or your partner is on Android, Copilot simply isn't an option. Peggy is built for both iOS and Android from the start, including shared wallets so mixed-platform households can track expenses together.
The Android gap is structural, not a roadmap item
Copilot is built for Apple's ecosystem — it uses Apple-specific frameworks for its design and integration with Apple Pay. Building a quality Android version would require a significant rebuild. As of April 2026, Copilot has not announced an Android app.
Cross-platform couples are the biggest losers
If you're on iPhone and your partner is on Android, you can't both use Copilot. Peggy's shared wallets work across both platforms — you each add expenses from your own device, and both of you see the same budget in real time.
Feature comparison
Verified April 2026 — Copilot pricing
| Feature | Peggy | Copilot Money |
|---|---|---|
| Price | $4/mo (1-week free trial) | $13/mo or $95/yr ($7.92/mo) |
| Free trial | 7 days | 30 days |
| Platforms | iOS + Android | iOS + macOS + Web (no Android) |
| Voice expense entry | Yes | No |
| AI auto-categorization | Yes (Gemini) | Yes (best-in-class, ~93% first-pass) |
| AI chat insights | Yes | No (reports + rules) |
| Screenshot → transaction | Yes | Limited |
| Bank sync | No (by design) | Yes (Plaid, 10,000+ institutions) |
| Shared wallets | Yes | No (single-user) |
| Multi-currency | Yes | No |
| Investment tracking | No | Yes |
| Budget tracking | Yes | Yes |
| CSV import / export | Yes (both) | Yes (both) |
| Privacy | No ads, no data monetization | No ads, no data monetization |
| App Store rating (iOS) | Pre-launch | 4.8★ (27,600+ ratings) |
| Design award | — | Apple Design Award finalist 2024 |
Where Copilot wins
Copilot deserves its strong reputation. Its 4.8★ rating with 27,600+ App Store reviews isn't an accident.
- AI categorization: Copilot's ML model is trained on millions of transactions. Reviewers consistently report ~93% first-pass accuracy — the best in the category.
- Design polish: Copilot won an Apple Design Award finalist spot in 2024. The interface is among the most refined in personal finance.
- Mac app: Copilot has a native Mac app. Peggy is mobile-only for now.
- Investment tracking: Copilot connects to brokerage accounts and shows portfolio performance alongside spending.
Where Peggy wins
Voice expense entry
Peggy lets you say "I spent $18 at the pharmacy" and it's logged, categorized, and saved. Copilot has no voice entry — you tap and categorize manually after syncing from the bank.
Shared wallets with roles
Copilot is a single-user app. Peggy supports shared spaces where you and a partner both track expenses in the same wallet. Particularly useful for couples and roommates.
Multi-currency at the transaction level
Peggy tracks every transaction in its original currency and converts to your base currency. Copilot is built for the US market and doesn't support multi-currency.
No bank credentials, ever
Copilot syncs via Plaid — you hand over your bank username and password to a third-party aggregator. Peggy has no bank sync. Voice, screenshot, or manual entry. Your credentials stay with your bank.
Price: $4/mo vs $13/mo
Peggy is $4/mo. Copilot is $13/mo (or $95/yr). On monthly billing, that's $48/yr (Peggy) vs $156/yr (Copilot) — a $108 annual difference. On annual plans, it's $48 vs $95 — a $47 difference.
For couples where one partner is on Android
This is Peggy's clearest advantage over Copilot. If you're tracking finances as a couple or household, you need an app both people can use. Peggy's shared wallets work cross-platform — iPhone and Android in the same space. One partner can add "bought groceries $67" by voice on Android; the other sees it instantly on iPhone.
Copilot doesn't support this at all — it's single-user and iOS-only. See our full couples budget app guide for a broader comparison.
How to switch from Copilot to Peggy
1. Export from Copilot
In Copilot, go to Settings → Export Transactions. Download your transaction history as CSV.
2. Import into Peggy
Open Peggy → Settings → Import → choose your Copilot CSV. Peggy maps the columns automatically.
3. Start adding by voice
Try the voice input from day one. "I spent $45 on gas." That's it — AI categorizes, saves, and moves on. No bank sync to set up.
Frequently asked questions
Is there a Copilot Money app for Android?
No. As of April 2026, Copilot Money is only available on iPhone, iPad, Mac, and Web. There is no Android version. Peggy is available on both iOS and Android.
How does Peggy's AI categorization compare to Copilot's?
Copilot is widely cited as having the best-in-class AI categorization — reviewers report around 93% accuracy on first pass. Peggy uses Gemini for categorization and is accurate for everyday spending, but Copilot is the current leader on categorization precision. Where Peggy wins: voice entry, shared wallets, Android support, and price.
My partner uses Android and I use iPhone. What should we use?
Copilot is iPhone-only, so your partner couldn't use it. Peggy runs on both iOS and Android, and supports shared wallets so both of you see the same budget in real time. You can each add expenses by voice from your own device.
Can I import my Copilot data into Peggy?
Yes. In Copilot, go to Settings → Export Transactions to download a CSV. You can then import that CSV into Peggy.
Does Peggy have a 30-day trial like Copilot?
Peggy offers a 7-day free trial. Copilot offers a 30-day trial. If you want a longer evaluation window before committing, Copilot's trial is longer. Both apps let you cancel before the trial ends with no charge.