A Copilot Money alternative with no aggregator in the middle.
Copilot is the best-looking money app on the Mac, and it costs about $95 a year to keep looking at it. Its charm depends on a data aggregator holding a live connection to your accounts. That's the trade we won't make.
This page is for the Copilot user who loves the craft but has started to wonder who else is standing between them and their bank. Everything below assumes you already know Copilot is good — the question is whether the connection is worth the price and the exposure.
What Copilot genuinely does better
Automatic categorisation, gorgeous charts, an app that feels native because it is. If those things are what make you actually look at your money, keep paying for them — that's a fair deal, honestly made.
Where we differ
Copilot's core assumption is that seeing money automatically is better than entering it deliberately. Ours is the opposite: the five minutes of typing is where the behaviour changes. Automation shows you what happened; entry is what makes you notice while it's happening.
The credentials question
Any aggregated app means a third party holds a durable connection to your accounts. That's an acceptable risk to plenty of sensible people. If it isn't acceptable to you, no amount of design polish fixes it — you need an app that never had the connection.
The refund
Thirty days, one e-mail, money back.
Common questions
Will I miss the automatic categorisation?
For the first fortnight, yes. After that most people report the opposite — they know where the money went because they put it there themselves.
Can I import my Copilot data?
Copilot exports CSV; the Purse imports it. Recategorising is manual and one-time.
Does it work on iPhone?
Yes — it's an HTML file; open it in Safari from iCloud Drive. No App Store, no install.
Investments?
The Net Worth Tracker handles holdings at the balance level. It is not a portfolio analytics product and doesn't pretend to be.