Vaulted vs Copilot Money — Free vs $12/mo for Net Worth Tracking
Published March 19, 2026
Copilot Money is one of the most beautifully designed personal finance apps available. It launched in 2020 and quickly became the favorite among Apple users who wanted a polished Mint replacement. The interface is genuinely excellent. The charts are clean. It's clearly built by people who care about design.
It also costs $12.99/month, requires an Apple device, needs your bank login, and stores your financial data on their servers. For people who want private net worth tracking on any platform — or who just don't want to pay a subscription — it's not the right fit.
What Copilot does well
Copilot is strong in the same areas as Monarch: automatic bank sync, smart transaction categorization, budget tracking, and net worth visualization. Where it stands out is design — the UI is one of the best in the category, with thoughtful interactions and a clear visual hierarchy.
If you're deep in the Apple ecosystem (iPhone + Mac), care about polish, and want a comprehensive financial management app, Copilot is a top contender.
Where it falls short
The Apple-only limitation is a real constraint. Android users are locked out entirely. If you share finances with a partner on Android, you can't both use Copilot. And like all bank-sync apps, it requires Plaid access to your accounts and stores your financial data server-side.
The pricing has also increased over time — it started as a one-time purchase, then moved to subscription. At $12.99/month ($155.88/year), it's a meaningful ongoing cost for what is, for many people, a net worth snapshot tool.
Vaulted vs Copilot Money — feature comparison
| Feature | Vaulted | Copilot Money |
|---|---|---|
| Price | Free | $12.99/month |
| Platforms | All (PWA) | iOS & Mac only |
| No account required | ✅ | ❌ |
| No bank login required | ✅ | ❌ |
| Data stays on device | ✅ | ❌ (cloud sync) |
| Open source | ✅ | ❌ |
| Net worth tracking | ✅ | ✅ |
| Monthly snapshots & trends | ✅ | ✅ |
| Multi-currency support | ✅ | Limited (USD primary) |
| Auto bank sync | ❌ (manual) | ✅ |
| Budget & transaction tracking | ❌ | ✅ |
| Works offline | ✅ | Partial |
| Android support | ✅ | ❌ |
| Data export | ✅ (JSON) | ✅ (CSV) |
The platform problem
Copilot being Apple-only is a real limitation that doesn't get enough attention. If you're tracking finances as a household and your partner is on Android, Copilot doesn't work. If you switch from iPhone to Android, you lose your Copilot history.
Vaulted is a Progressive Web App — it runs in any browser on any platform. Install it on iOS, Android, Windows, macOS, or Linux. Export your data as JSON and import it anywhere. Your financial history isn't tied to one vendor's ecosystem.
Who should use which
Use Copilot if:you're all-in on Apple, want automatic bank sync, care deeply about UI polish, and want transaction categorization and budgeting alongside net worth tracking. It's genuinely the best-designed app in this category.
Use Vaulted if:you want free, private, cross-platform net worth tracking. You don't want to hand over bank credentials, pay a monthly fee, or be locked into Apple devices. Manual entry (2-5 minutes/month) is acceptable to you.
How Vaulted works
Vaulted runs entirely in your browser. Add your assets (cash, stocks, real estate, crypto, retirement accounts) and liabilities (mortgage, loans, credit cards). Your net worth is calculated automatically. Take a monthly snapshot to track your progress over time. Trend charts and asset breakdowns are built in.
Your data lives in IndexedDB in your browser. No server ever receives your balances. Export as JSON for backups. Import on any device. That's the full product.
Try it
Try Vaulted free at vaultedworth.com — works on any device, no sign-up required. Check the source code on GitHub.