Savly vs Copilot Money
Copilot Money is a beautifully designed personal finance app for Apple devices, but at $11.99 per month with no free tier and no support for non-Apple platforms, it isn't for everyone. Here's how Savly compares as a more accessible and affordable alternative.
Quick Verdict
Choose Savly if: you want a free tier, need to use non-Apple devices, manage money in multiple currencies, live outside the US, or prefer not to link your bank accounts.
Choose Copilot Money if: you're fully in the Apple ecosystem, want native iOS/Mac design, need US bank syncing via Plaid, or want built-in investment tracking.
| Feature | Savly | Copilot Money |
|---|---|---|
| Free tier | Yes (generous, forever) | No free plan |
| Monthly price | £5.99 | $11.99 (approx. £9.50) |
| Platforms | Any device (web-based) | Apple only (iOS/Mac) |
| Bank connection | Not required (CSV import) | Plaid (US focus) |
| Multi-currency | 20+ currencies | USD focused |
| CSV import | Yes (any bank, any format) | No |
| Investment tracking | No | Yes |
| AI Financial Assistant | Yes (Premium) | No |
| Household sharing | Unlimited members (Premium) | Limited |
| Global availability | Works worldwide | US focused |
Pricing Comparison
The pricing difference between Savly and Copilot Money is significant. Savly offers a generous free tier with unlimited transactions, multiple accounts, and full budget tracking. There's no trial period and no credit card required.
Copilot Money has no free plan at all. You pay $11.99 per month or $95.99 per year from day one. For users outside the US, this works out to roughly double what Savly Premium costs, and you don't even get the option to try before you buy (beyond a brief trial).
If you want premium features like AI financial insights and household sharing, Savly Premium is £5.99 per month or £59.99 per year — substantially less than Copilot charges for its base subscription.
Platform Availability
Copilot Money is exclusively available on Apple devices. If you use an iPhone and a Mac, the experience is polished and native. But if you have an Android phone, a Windows PC, a Chromebook, or a Linux machine, Copilot simply isn't an option.
Savly is a web-based application that works on any device with a modern browser. Whether you're on an iPhone, Android phone, Windows laptop, Mac, Chromebook, or tablet, you get the same full-featured experience. There's nothing to install and no app store to navigate.
For households where different family members use different devices, or for anyone who doesn't want to be locked into a single ecosystem, Savly's cross-platform approach is a major advantage.
Global Availability
Copilot Money is built around Plaid bank connections, which primarily support US financial institutions. If you live outside the United States, Copilot's core bank syncing feature won't work for you, making much of the app's value proposition irrelevant.
Savly works worldwide. Because it uses CSV imports rather than direct bank connections, you can import transactions from any bank in any country. It supports 20+ currencies within a single budget, with automatic conversion between them. Whether you're in the US, UK, Europe, Brazil, or anywhere else, Savly works the same.
Privacy and Data Control
Copilot Money requires you to connect your bank accounts through Plaid, giving a third-party service read access to your financial accounts. While Plaid is widely used, some users prefer not to share their banking credentials with any external service.
Savly takes a privacy-first approach. There are no bank connections at all. You export transactions from your bank as a CSV file and import them into Savly. Your banking credentials stay with your bank, and Savly never has access to your accounts.
What Savly Offers That Copilot Doesn't
- Free Tier — Start tracking your money without paying anything. Copilot requires payment from day one.
- Cross-Platform Access — Use Savly on any device, not just Apple products.
- Multi-Currency Support — Track 20+ currencies in a single budget with automatic conversion.
- CSV Import — Import transactions from any bank worldwide, regardless of Plaid support.
- AI Financial Assistant — Get personalised spending insights and answers about your finances.
- Household Sharing — Invite unlimited family members to share a budget on Premium.
Getting Started
Getting started with Savly takes under five minutes. Create a free account, set your primary currency, and import a CSV export from your bank. Savly's auto-categorisation handles most of the sorting, giving you a clear picture of your finances almost immediately.
There's no credit card required, no app to download, and no device restrictions. Just open your browser and start budgeting.
Frequently Asked Questions
Is Savly a good alternative to Copilot Money?
Yes. Savly offers a generous free tier (Copilot has no free plan), works on any device via the web (Copilot is Apple-only), supports 20+ currencies, and works globally. If you don't want to pay $11.99/month or aren't on Apple devices, Savly is an excellent alternative.
Can I use Savly on Android or Windows?
Yes. Savly is a web-based app that works on any device with a browser — including Android phones, Windows PCs, Chromebooks, Linux machines, and tablets. Copilot Money is limited to Apple devices (iPhone, iPad, and Mac) only.
Is Savly cheaper than Copilot Money?
Yes, significantly. Savly has a generous free tier with unlimited transactions. Savly Premium costs £5.99/month or £59.99/year. Copilot Money has no free plan at all and costs $11.99/month or $95.99/year — roughly double the price of Savly Premium.
Ready to try a simpler approach to budgeting?
Start for FreeNo credit card required. Free tier available forever.