Gravity
Gravity vs Copilot Money (2026): Budgeting App or Tracker?
These two apps are not really competing for the same job. Copilot Money is a polished budgeting app for Apple devices that links your accounts and shows recurring charges as part of a complete financial picture. Gravity links nothing, does no budgeting, and exists to track what renews and walk you through ending it. Prices below were re-checked against Copilot's own pricing page on 28 August 2026.
Feature comparison
| Feature | Gravity✓ | Copilot Money |
|---|---|---|
| Price | $19.99/mo or $59.99/yr, no free tier or trial | $95/yr, shown as $7.92/mo billed yearly; costlier monthly plan in-app |
| What the app is for | Subscriptions only: renewals, trial deadlines, cancellation steps | A complete budget: transactions, categories, cash flow, investments |
| Account access required | None, nothing is linked | Required for everything except the demo mode |
| Cancellation help | Step-by-step instructions per service, checked against official sources | None, Copilot shows the charge and leaves the canceling to you |
| Subscriptions billed outside a linked account | Covered, you add them (App Store, PayPal, any card) | Not visible unless the charge hits a linked account |
| Platforms | iPhone only (iOS 17 or later) | iPhone, iPad, Mac and web, no Android app |
| Investments and net worth | Not offered | Yes, tracked alongside spending |
| Where your data lives | On your iPhone; deleting the app deletes it | In Copilot's cloud, tied to your linked accounts |
What each app does well
GravityNo bank sync
- ✓No bank or card account is ever linked, you add the services you pay for
- ✓Cancellation steps checked against each provider's own official instructions
- ✓Renewal and free-trial reminders before the charge lands
- ✓Covers subscriptions billed through the App Store, PayPal or a card you never link
- ✓Your list is stored on your iPhone; deleting the app deletes it
Copilot Money
- ✓Genuine budgeting: categories, cash flow, net worth and investment tracking
- ✓Recurring charges surfaced from linked accounts, so nothing depends on your memory
- ✓A design-led Apple app with a real Mac version, not a phone app stretched to desktop
- ✓Syncs across iPhone, iPad, Mac and web
- ✓States that it runs no ads and does not sell financial data
Status check, 28 August 2026: Copilot Money is live and actively developed. Its pricing page lists $95 billed yearly, shown as $7.92 a month, with a demo mode you can explore before connecting an account and a trial after that. There is no permanent free tier, and a more expensive month-to-month plan is offered inside the app, so confirm the rate in the app before subscribing. Copilot runs on iPhone, iPad, Mac and web, with no Android app. It states that it shows no ads and does not sell financial data, which puts it at the more privacy-conscious end of the account-linking apps, though linking accounts is still required for it to work at all.
Frequently asked questions
Is Copilot Money worth it if I only want to track subscriptions?↓
Probably not. Copilot is a full budgeting app: linked accounts, categorized transactions, cash flow and investments, with recurring charges surfaced as one view inside that. If subscriptions are the only thing you care about, you are paying for a lot of machinery you will not open, and Copilot still leaves the canceling entirely to you. It earns its price when you want the whole budget, not a subscription list.
How much does Copilot Money cost in 2026?↓
Copilot's own pricing shows $95 billed yearly, which it presents as $7.92 a month. There is no permanent free tier: you get a demo mode to look around before connecting anything, then a trial, then the paid plan. A costlier month-to-month option is offered inside the app, so check the figure the app shows you rather than assuming the annual rate.
Is there a Copilot Money app for Android?↓
No. Copilot lists iPhone, iPad, Mac and web only, and has never shipped an Android app. If your household is mixed Android and iPhone, that rules Copilot out for the Android half. Gravity is iPhone-only for the same reason in reverse, so a mixed household needs a cross-platform tracker or one app per person.
Can I use Copilot Money without linking any accounts?↓
Only to look around. Copilot invites you to try the app before you connect a single account, but the features people pay for, automatic transaction categorization, cash-flow tracking and the recurring-charges view, all depend on linked bank and card accounts. There is no manual-only mode that does the same job. Gravity is the opposite design: nothing is ever linked, and everything on the list is there because you put it there.
Which app is better for catching a free trial before it converts?↓
Gravity, if you know the trial started. You enter the trial and its end date and get reminded before it converts, which works for a trial paid through the App Store, PayPal or a card you would never link. Copilot can only flag a trial once a charge or an authorization appears on a linked account, which is often the same day the money leaves. Neither one catches a trial you signed up for and never told anyone about.
Do I need Copilot Money and Gravity, or just one?↓
One, in most cases. Choose Copilot if the real problem is that you do not know where your money goes and you accept linking accounts to find out. Choose Gravity if you already know roughly what you spend and the actual problem is subscriptions you keep meaning to end. People who run both are usually budgeting in Copilot and keeping the cancel-this list in Gravity, which is reasonable but means paying twice. Start with the one that matches the problem you have this month.
Get Gravity on iPhone
Track subscriptions, get cancellation guides, and stay ahead of free trials, privately, no bank sync required.
Available on iPhone · No bank sync