Copia vs Monarch Money, YNAB, Rocket Money, EveryDollar, and more

Price

New transactions get a subcategory from your history and merchant patterns. You can always change it, and corrections feed the next guess.

Ask about your spending, then approve changes. The assistant can draft a budget, add transactions, create rules, and set savings goals.

Connect checking, savings, and credit cards through Plaid. Unlimited accounts. Sync in the background, and reconnect when a login expires.

Unlimited categories and subcategories. Drag to reorder, classify spending as need or want, and reassign transactions when you delete a group.

A home screen you can rearrange. Account balances, credit card debt, budget health, activity, recent transactions, and upcoming bills.

Sync your transactions and stay on top of your spending with detailed insights and categorization.

See transactions and recurring bills on a calendar, add entries from a date, and export reminders.

Full zero-based budgeting with manual accounts and transactions. No card required. Pay $4.99/month only when you want bank sync and automation.

Add checking, savings, credit cards, cash, and loans by hand. Budget before you connect a bank, or keep accounts that never sync.

Add one transaction or many from the same + menu. Switch to bulk entry without leaving the sheet, including from a date on the calendar.

Upload a photo, or forward receipts by email. Copia extracts line items, categorizes them with your subcategories, and links them to transactions.

Easily manage subscriptions, bills, and recurring payments with automated tracking and reminders.

Create rules to automatically categorize transactions and perform actions based on your preferences.

Set target amounts and dates, link goals to accounts, and track planned versus actual progress.

Link your bank or sign in again and keep your spending history organized as updates come in.

Categorize your transactions to help you understand your spending and income patterns.

Tag transactions for trips, projects, or family members without changing categories.

Give every dollar a job. Categories, income, copy-from-last-month, and a live remaining amount as you spend.

Native Copia apps for iPhone and Android, headed to the App Store and Google Play. The web app already works in a phone browser.

Import a bank export or spreadsheet, map columns and categories, then export your ledger when you need a copy outside Copia.

Photograph a receipt, purchase, or statement and Copia reads the rows, suggests categories, and imports them into your ledger.

Net income with month-over-month and year-over-year columns, merchant spend rankings, and a full-page account distribution view.