Subskim vs Copilot Money
Copilot Money is a paid personal finance app for iPhone, iPad, Mac and web that connects to US financial accounts and detects recurring charges, such as subscriptions, from your transactions. Subskim is a free renewal calendar you fill in by hand or from a screenshot, with no bank connection and each subscription in its own currency.
Last updated October 15, 2026
Subskim vs Copilot Money, feature by feature
| Feature | Subskim | Copilot Money |
|---|---|---|
| How subscriptions get in | Added by hand or imported from a screenshot of a billing page, up to 50 imports a month | Likely recurring charges are detected from your connected accounts during onboarding for you to review; you can create more Recurrings, but only from an existing transaction |
| Bank connection | Not needed; Subskim never asks for bank logins | Required: you link at least one bank account, mostly through Plaid (also Mastercard, MX and Akoya); manual accounts can be added too, and you can test drive the app before connecting |
| Countries and currencies | Each subscription keeps its own currency; totals convert to your main currency | US financial institutions only; USD only, and foreign currency transactions are not converted |
| Renewal calendar | Yes, the core view, plus a list and a dashboard with monthly and yearly totals | A Recurrings tab with paid and left-to-pay recurrings for this month, future ones that occur less often, and archived ones; shown as a list, or as a grid on iPhone |
| Reminders and alerts | Not yet; email and push reminders are coming next | Yes, notifications today, including an alert when a recurring is paid, plus budget, big expense and low balance alerts; credit card due date notifications are not supported, per its help center |
| Monthly review | The Skim, a monthly review of each subscription: keep, downgrade, cancel or later | Month in Review and Year in Review reports of your spending, income and investments, not yet in the web app; you can pause a Recurring, or archive one after you cancel it |
| Budgeting, net worth and CSV | No; monthly and yearly subscription totals only, and no CSV import | Yes: budgets with rollovers, savings goals, cash flow, investments and net worth; CSV export of transactions, but its help center says CSV import is not supported |
| Apps | Web now; iOS and Android coming soon | iPhone, iPad, Mac and web; the web app is optimized for desktop browsers and doesn't yet have the Goals or Cash Flow tabs |
| Price | Free, every feature included, no card to sign up | Paid only: $13/month or $95/year (shown as $7.92/month); 1-month free trial for new users: you choose a monthly or yearly plan to start it, and it renews automatically unless you turn off auto-renewal |
Choose Subskim if
- You want to track subscriptions for free, without linking a bank account or paying for an app.
- You live outside the US, or pay for tools in more than one currency.
- You want free trials flagged with the date they convert and the price, and a monthly review to keep, downgrade or cancel each subscription.
Choose Copilot Money if
- You bank in the US and want recurring charges found in your connected accounts, with notifications today, such as an alert when a recurring is paid.
- You want budgets, savings goals, cash flow, investments and net worth in one app, with CSV export of your transactions.
- You use an iPhone, iPad or Mac and want native apps on each today.
Copilot Money details checked on October 15, 2026 from Copilot Money's public pages. Plans and features change, so check their site for the latest.Copilot Money homepage (pricing section)Copilot Money FAQCopilot Money download pageHelp Center: Quick Start GuideHelp Center: Creating RecurringsHelp Center: Recurrings FAQHelp Center: Recurrings Tab OverviewHelp Center: Pausing and Archiving RecurringsHelp Center: International CurrencyHelp Center: How Do You Get My Financial Data?Help Center: Historical Transaction DataHelp Center: Adding and Managing Connected AccountsHelp Center: Settings OverviewHelp Center: NotificationsHelp Center: Month and Year in ReviewHelp Center: Exporting Your Transaction DataHelp Center: Investment Account LimitationsHelp Center: Web FAQCopilot on the App Store (US)
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