Disclosure: Pocket Clear is our product. We believe it's a strong option, but we encourage you to evaluate all alternatives based on your needs.
Updated 3 September 2026: prices re-checked on ynab.com and copilot.money — YNAB is $109/year or $14.99/month; Copilot Money is $95/year or $13/month with a 1-month free trial. Copilot added a web app in December 2025 but still has no Android app.
Premium Budget Apps: Different Platforms, Different Prices
YNAB and Copilot Money are both premium budgeting apps that require bank linking. The biggest difference? YNAB works on iOS, Android, and web. Copilot Money is Apple-only (iPhone, iPad, Mac) plus a web app added in late 2025 — still no Android app as of September 2026. If you or your partner use Android, Copilot is immediately out of the running.
Feature Comparison
| Feature | YNAB | Copilot Money |
|---|---|---|
| Price | $109/yr or $14.99/mo | $95/yr or $13/mo |
| Platforms | iOS, Android, Web | iPhone, iPad, Mac, Web |
| Bank linking | Required (Plaid) | Required (Plaid) |
| Budgeting method | Zero-based | Category-based |
| AI features | No | AI categorization |
| Learning curve | High | Low |
| Investment tracking | No | Yes |
| Free trial | 34 days | 1 month |
The Privacy-First Alternative
Both YNAB and Copilot require full bank access. If you want cross-platform support (iOS + Android) without the bank linking or the $8–15/month fee, Pocket Clear works on both platforms, costs $4.99/month for Pro, and never asks for your bank credentials.
Try Pocket Clear Free
No bank linking. No ads. Works offline. Free forever, Pro for $4.99/month.
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