Comparing Copilot
A Copilot alternative that works on any phone
Copilot Money is a beautifully made app for Apple devices and the web. If you or your partner use Android, there’s no native app to share. Pennyjay is built for iPhone and Android from day one, with the same care for design.
Copilot and Pennyjay, side by side
| Copilot | Pennyjay | |
|---|---|---|
| Phones | Copilot: iPhone, iPad, Mac and the web. No Android app as of October 2026. | Pennyjay: iPhone and Android, with widgets on both, so a mixed-phone household sees the same money. Learn more |
| What can I spend? | Copilot: Budgets and spending views. | Pennyjay: One safe-to-spend number until your next paycheck, after bills, stashes and a buffer. Learn more |
| Recurring charges | Copilot: Recurring transaction tracking. | Pennyjay: Bills and subscriptions found automatically, on a calendar, with price-hike and trial-ending alerts. Learn more |
| Budgets | Copilot: Category budgets with rollovers. | Pennyjay: Category, flexible and paycheck budgets with rollovers, plus stashes. Learn more |
| Debt payoff | Copilot: Loan and card balances. | Pennyjay: Snowball or avalanche plans with a debt-free date and interest saved. Learn more |
Based on Copilot’s public information as of October 2026. Check their site for the latest.
Which one fits you
Stick with Copilot if…
- Everyone in your household uses Apple devices and you want a Mac app.
- You’ve already set Copilot up the way you like it.
Try Pennyjay if…
- You or your partner use Android.
- You want to know what’s safe to spend before payday.
- You want shared money and private accounts in one household.
- You’re working toward a debt-free date.
Switching from Copilot
Export your transactions from Copilot as a CSV and import them into Pennyjay. Pennyjay recognizes Copilot’s format, flips its positive-means-spending amounts, matches accounts, skips duplicates and shows a preview before saving.
Questions
Is there a Copilot Money app for Android?
As of October 2026, Copilot offers apps for iPhone, iPad and Mac plus a web app, but no native Android app. Pennyjay has native apps for both iPhone and Android.
Can my partner use Android while I use iPhone?
Yes. You share one Pennyjay household, and each of you can keep accounts private.
How much does Pennyjay cost?
Free for 14 days, then $9.99 a month or $79.99 a year for the whole household. Check Copilot’s site for its current price.
When can I use Pennyjay?
Pennyjay is in a private beta. Join the waitlist and we’ll email you when you can download it.
Be first in the nest
Leave your email and we’ll tell you when Pennyjay is ready to download.