A Copilot Money alternative that runs on any device and never needs your bank login

Copilot is a beautifully designed app for Apple users in the US, with automatic bank sync, for $95 a year. It needs at least one linked bank account, and its apps are listed for iPhone, iPad, Mac and the web. Imago is $49 once, needs no bank login, and runs in any modern browser, including on Android and Windows.

Imago vs Copilot Money at a glance

	Imago	Copilot Money
Price	$49 once, updates included	$13 a month or $95 a year (USD)
Free trial	7 days of the full app, no card, no account, no email	1 month, which renews into the plan you pick
Account	None	Required (Apple or email sign-in)
Bank login	Never. No bank login and no data aggregator.	Required. You need to link at least one bank account.
Where your data lives	On your device only (browser storage). Nothing is uploaded; there is no Imago server holding your data.	Copilot's cloud, on Google Cloud. 256-bit encryption at rest and TLS in transit.
Getting transactions in	Import CSV files from any bank. Imago remembers each bank's format, skips duplicates and sorts transactions with rules it learns from you.	Bank sync, mostly through Plaid (also Mastercard, MX and Akoya), plus manual transactions
Platforms	Any modern browser. Installs on iPhone, iPad, Android, Mac, Windows and Linux.	iPhone, iPad, Mac and web
Works offline	Yes, fully, after the first load	Not stated by Copilot
Budgeting style	Category budgets, with rollover you can turn on per category	Category budgets with optional rollovers
Devices and sharing	No automatic sync. Move your data between devices with export and import.	Use it on several devices at once. A partner shares the same login.
Export	JSON backup and CSV export, anytime	CSV of your transactions
Where it works	Anywhere, in any base currency	US-based accounts and USD only

Copilot Money details are taken from Copilot Money's own website and help pages, checked 15 September 2026. Prices and features change, so check the sources below before deciding.

When Copilot Money is the better choice

You're all-in on Apple devices and want a native app. Copilot was an Apple Design Award finalist in 2024.
You want transactions to sync from your bank automatically.
You're in the US and only need US dollars.

When Imago is the better choice

You use Android or Windows.
You don't want to link a bank account to a budgeting app at all.
You live outside the US, or hold money in more than one currency.
You'd rather pay once than every year.

Switching from Copilot Money to Imago

Start the free 7-day trial at app.imago.money. There's no account to create.
In Copilot, export a CSV of your transactions.
Import that file, or your bank's own CSV files, into Imago. Tell the importer how the file shows amounts, then check the categories.
Set your budgets. Keep Copilot until your first full month in Imago looks right.

Try Imago free for 7 days

No card, no account, no email. Everything you enter stays on your device, and buying a license keeps it exactly where you left off.

Open Imago

Questions people ask

Is Imago cheaper than Copilot Money?

Over time, yes. Copilot lists $95 a year or $13 a month (copilot.money, checked 15 September 2026). Imago is $49 once. At today's listed price, three years of Copilot is $285.

Does Imago work on Android and Windows?

Yes. Imago runs in any modern browser and installs like an app on Android, Windows, Linux, Mac, iPhone and iPad.

Do I need to link my bank to use Imago?

No. Imago never asks for a bank login. You import CSV files that your bank already offers.

Does Imago work outside the US?

Yes. You choose your base currency and can track accounts in other currencies, with exchange rates you set yourself.

Sources

Checked 15 September 2026. Imago details come from this site's user guide and support page.

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