Side by side

Pennyjay vs. Copilot Money

Copilot is a polished app for Apple devices and the web. Pennyjay runs on iPhone, Android and the web, gives each partner their own login, and puts a safe-to-spend number front and center.

Switching from Copilot Which one fits you

Copilot and Pennyjay, feature by feature

How Copilot Money and Pennyjay compare
	Copilot Money	Pennyjay
Price	Copilot: $13/month (US App Store) or $95/year. 1-month free trial; no free plan.[1],[2]	Pennyjay: $9.99/month or $79.99/year for the whole household, after a 14-day free trial that doesn’t ask for a card.
Platforms	Copilot: iPhone, iPad, Mac and the web (US only, since December 2025). No Android app.[1],[3],[4]	Pennyjay: iPhone, Android and the web (app.pennyjay.com), with home-screen widgets on both phones.
Bank connections	Copilot: Mostly Plaid, with Mastercard, MX and Akoya for banks Plaid doesn’t cover, and direct links to Apple Card, Capital One, Public and Coinbase.[5]	Pennyjay: Plaid. Connections are read-only: Pennyjay never sees your bank login and can’t move money. Apple Card and Apple Cash connect in the iPhone app.
Sharing with a partner	Copilot: A partner signs in to the same account (a forwarded sign-in link or a shared password); every signed-in device has full control.[6]	Pennyjay: One household with its own login per person, included in the price. Any account can stay private to its owner, with Household, Mine and Theirs views.
Budgeting	Copilot: Category budgets with optional rollovers.[7]	Pennyjay: Category, flexible or paycheck-to-paycheck budgets with rollovers, stashes for money set aside, and one safe-to-spend number until payday.
Beyond budgeting	Copilot: Investments, balance history, recurring payments, transaction review with tags.[4]	Pennyjay: Net worth, investments, bills and subscriptions found automatically, a debt payoff plan, and alerts before a balance gets low.
Exporting your data	Copilot: Transactions as CSV on iPhone, iPad, Mac and the web.[8]	Pennyjay: Transactions and balance history as CSV, or a full JSON backup, from Settings → Export on every platform.

Copilot Money details come from Copilot’s own website and help center, checked October 18, 2026. Prices and features change; check their site for the latest.

Where each one is ahead

Copilot

A native Mac app, and iPad.
More bank data providers and direct connections (Capital One, Coinbase and others).
A longer free trial (one month).

Pennyjay

A native Android app, so a mixed-phone household shares one view.
A separate login for each partner, and accounts that can stay private.
A safe-to-spend number until your next paycheck, after bills, stashes and a buffer.

Bringing your Copilot history

Export your transactions from Copilot as a CSV, then import it in Pennyjay under Settings → Import CSV, on your phone or at app.pennyjay.com. Pennyjay recognizes the Copilot file, matches each of its accounts to yours, translates categories, and leaves out days your bank sync already covers, so nothing shows up twice. You see a preview before anything is saved.

Step-by-step: switching from Copilot

Questions

Is there a Copilot Money app for Android?

Not as of October 18, 2026. Copilot runs on iPhone, iPad, Mac and the web. Pennyjay has native apps for iPhone and Android, plus the web.

Can I bring my Copilot history?

Yes. Export your transactions from Copilot as a CSV and import it in Pennyjay (Settings → Import CSV). Pennyjay knows Copilot shows spending as positive numbers and flips them, matches each account in the file, and skips days your bank sync already covers.

How is sharing different?

In Copilot a partner signs in to the same account. In Pennyjay each person has their own login in one household, and any account can stay private to its owner.

Sources

Copilot Money is a trademark of its owner. Pennyjay isn’t affiliated with, endorsed by or sponsored by Copilot. The name is used only to identify the product being compared.

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