Honest comparison
Piggey vs Copilot Money
The prettiest finance app in the room — genuinely smart ML categorization, but Apple-only and $95/yr.
TL;DR
Copilot is what happens when great designers build a finance app: beautiful, smart, with real machine-learning categorization. It's also iPhone/Mac-only, $95/yr with no free tier, and requires bank linking. Piggey matches the AI-categorization brains, runs in any browser, has a free tier, and never asks for your bank password.
At a glance
| Piggey | Copilot Money | |
|---|---|---|
| Price | Free, or $16/mo Pro — first month free | $13/mo or $95/yr |
| Free plan | Yes — a real one, forever | No — trial only |
| Bank login | Never. Import a CSV — your credentials stay at your bank | Required (Plaid + others) |
| Budgeting required | None required | Yes — flexible monthly budgets |
| AI categorization | Automatic — AI tags your whole history at once | Yes — genuinely good ML |
| Subscription detection | Yes (Pro) — flags the charges worth cancelling | Yes |
| AI assistant | Penny — ask anything about your money in plain English | Copilot Intelligence features |
| Setup time | ~5 minutes | ~20 minutes |
| Platforms | Any browser | iPhone, iPad, Mac only |
| Privacy | No bank credentials, no data selling | Paid product, no data selling — but aggregator bank access |
The real differences
The platform wall
Copilot is a native Apple app, full stop. Switch to a Pixel, use a Windows PC at work, or want to check spending from a browser — you're out. Piggey is a web app that runs anywhere, which is less glamorous and dramatically more available.
Two takes on AI categorization
Copilot trains ML on your corrections within its bank-synced feed. Piggey points a language model at raw bank-CSV descriptions and tags your entire history at once — then learns your corrections too. Same destination (transactions that categorize themselves), different trust model: Copilot needs your bank connection to see data, Piggey never sees your credentials at all.
$95/yr vs free-to-start
Copilot has no free tier — after the trial it's $95/yr or goodbye. Piggey's free plan covers the core loop indefinitely (import, AI categorization, trends), and Pro at $16/mo (first month free) adds Penny, AI reports, subscription detection, and unlimited accounts. You can be a Piggey user forever for $0 and decide if Pro earns its keep.
Where Copilot Money shines
- Best-in-class design — genuinely a pleasure to open
- Real ML categorization that learns your corrections
- Good subscription and recurring detection
- Privacy-respecting paid model
Where Copilot Money falls short
- Apple-only — no Android, no Windows, no web app
- $95/yr with no free tier
- Requires bank linking through aggregators
- Budget-centric framing if you just want visibility
Pick Copilot Money if…
All-Apple households who want the most polished native finance app on iPhone and Mac and don't mind bank linking or the subscription. On its home turf, it's excellent.
Pick Piggey if…
Anyone on Android or Windows (Copilot literally won't run), and Apple users who want the smart-categorization core without $95/yr or handing credentials to an aggregator. Piggey runs in any browser.
Switching is easy
Copilot can export transactions to CSV — or grab fresh exports from your banks. Piggey's AI rebuilds the categorized picture automatically, corrections and all.
Try Piggey freeFrequently asked questions
Is there a Copilot Money alternative for Android or Windows?
Piggey runs in any browser on any platform — Android, Windows, Linux, iPhone, Mac. Copilot is Apple-only with no web version.
Is Piggey's AI categorization as good as Copilot's?
They take different approaches — Copilot trains ML on your synced feed; Piggey uses a language model that reads raw bank descriptions and tags your full history at once, then learns your corrections. Both beat rule-based categorization decisively.
Does Piggey have a free plan?
Yes — CSV import, unlimited AI categorization, and trends are free forever. Copilot has no free tier. Piggey Pro ($16/mo, first month free) unlocks Penny, AI reports, and subscription detection.