01 · Side by side
FIYR vs Copilot Money at a glance
| Feature | FIYR | Copilot Money |
|---|---|---|
| Price | $8/month, or $76.80/year ($6.40/month). One plan with every feature. | $13/month, or $95/year ($7.92/month). |
| Free trial | 30 days with every feature. No charge until the trial ends. | 1 month. You choose a monthly or annual plan to start it. |
| Platforms | Web app for desktop and mobile browsers. | iPhone, iPad, Mac and web. No Android app listed. US only. |
| Budgeting style | Monthly category budgets, with reusable budget templates. | Category budgets with rollovers, suggested from your history. Budgeting can be turned off. |
| Bank sync | Plaid. Manual accounts and transactions too. | Plaid for most institutions; Mastercard, MX and Akoya for some. Direct links to Apple, Capital One, Coinbase and others. |
| Net worth | Yes: linked accounts plus manual assets (home, vehicles, crypto) and debts. | Yes, including real estate through a Zillow link. |
| FIRE / retirement projection | Yes, on every plan: your FIRE date from your real spending and balances. | No retirement projection found. Savings goals are available. |
| Investments | Investment account balances through Plaid. No per-holding performance view. | Holdings, returns and benchmarks, from the day an account is connected. |
| Shared / household | One login per account. Transactions can be tagged as yours, your partner’s or shared. | No separate partner logins; you share access to the same account by magic link. |
| Import & export | CSV export of transactions. CSV import with column and category mapping. | CSV export of all transactions. No CSV import documented. |
02 · Why switch
Why people look for a Copilot Money alternative
Copilot calls itself a premium personal finance app, “your money, beautifully organized”, and it has won design awards for it. People who look for an alternative usually do so for one of these reasons:
You are not on Apple devices
Copilot lists iPhone, iPad, Mac and a web app. If you use Android or Windows, FIYR works in any modern browser, on desktop and on your phone.
You want a long-range answer
Copilot is strong on this month: budgets, categories and recent spending. It does not project when your savings could cover your spending. FIYR is built around that date and shows how changes in spending or savings move it.
You have history to bring with you
FIYR imports CSV files, so years of transactions from a spreadsheet or another app can come along. Copilot’s help center documents export but not CSV import.
03 · The honest part
When Copilot Money is the better choice
Copilot is a well-made product, and for a lot of people it is the right one. Choose Copilot instead of FIYR if:
- You want native Apple apps. Copilot has iPhone, iPad and Mac apps. FIYR is a web app.
- You track investments closely. Copilot shows holdings, returns and benchmark comparisons. FIYR tracks investment balances, not individual holdings.
- You want budget rollovers. Copilot carries unspent budget into the next month. FIYR’s budgets reset monthly.
- Your accounts are hard to connect. Copilot can fall back to Mastercard, MX or Akoya, and has direct integrations with Apple and Capital One. FIYR connects through Plaid only.
- A slightly lower annual price matters. Copilot’s annual plan is $95 a year; FIYR’s is $76.80. Month to month, FIYR is $8 and Copilot is $13.
04 · Moving over
How to switch from Copilot Money to FIYR
Copilot exports all of your transactions as a spreadsheet from its iOS, Mac and web apps, which FIYR can import.
- Export from Copilot. In Copilot, export your transaction data as a CSV file.
- Start a FIYR trial and link your accounts. Accounts connect through Plaid. FIYR asks for up to two years of transaction history; how much arrives depends on your bank.
- Import only the older history. In Transactions, open the ⋯ menu and choose Import CSV. Map the date, name, amount and category columns, then match each old category to a FIYR one. Trim the file to dates before your linked history starts, or the overlap will show up twice. Amounts must be plain numbers, and FIYR treats positive amounts as spending and negative amounts as money coming in, so flip the sign on a column that uses the opposite convention.
- Set up categories and rules. Rules recategorize new transactions automatically, so the cleanup you do once keeps paying off.
- Add what Plaid can’t see. Enter your home, vehicles, crypto and any loans as manual assets and liabilities so your net worth is complete. Then open the FIRE view to see the date your real numbers point to.
Copilot investment history starts when an account was connected, and FIYR’s investment view is balance-based, so investment performance history does not carry over. Your transactions and categories do.
05 · Keep reading