Lunch Money vs Copilot Money: web-first multi-currency or Apple-first polish

The short version

These two apps answer different questions. Copilot Money is built for a US household on Apple devices: one plan, iPhone, iPad, Mac and web. Lunch Money is web-first and built for people whose money crosses borders or who want to automate it: over 160 currencies, Plaid coverage in 19 countries, and an API.

If you use Android, or bank outside the US, the decision is made for you on the pages we read. Lunch Money's companion app is on Android as well as iOS; Copilot lists iPhone, iPad, Mac and web but no Android app, and says it works with US-based accounts only.

Side by side

As listed on official pages on 30 October 2026, USD.

Platforms and where you live

Copilot's FAQ says it connects to over 16,000 US financial institutions and works with US-based accounts only. Its international currency article adds that it only supports USD, does not convert foreign-currency transactions, and is only in the US App Store; transactions in other currencies show in USD based on the amount the data provider sends.

Lunch Money's multicurrency page lists over 160 currencies, fetches rates daily, and converts everything to a primary currency you choose. Its automatic imports page lists Plaid coverage in 19 countries and alternatives such as community plugins for bunq and Monzo.

A US expat with a US checking account and a euro account, for example, can track both in Lunch Money with the euro balance converted daily. In Copilot the euro account would not connect, and any foreign charges on the US card would show only as the USD amount.

Price and trial

Copilot's pricing page lists $9 a month or $109 billed yearly, which it describes as instead of $119, and labels the offer limited time. It says there are no tiers, no add-ons and no AI credits. Its FAQ says new users get a 1-month free trial and there is no permanent free tier.

Lunch Money's help center confirms a 30-day trial and says the price is per budget, not per person, with unlimited budgets on one subscription. Its pricing page could not be loaded by our checker on 30 October 2026, so compare the two prices yourself at checkout.

Rules, crypto and getting your data out

Copilot's name rules match exactly or partially on the transaction name and are described for categorization; when you recategorize you can apply the change to transactions with the same or similar names, and partial rules do not rename future transactions. Lunch Money's rules match on more fields (amount range, day range, account, notes) and can also rename, tag, split, mark reviewed or link to a recurring item.

For crypto, Copilot's help lists Binance.US, Bitstamp, Coinbase, FTX US, Gemini and Kraken on its Apple apps (a shorter list on web), automatic tracking of Bitcoin and Ethereum addresses, and Bitcoin extended public keys for some hardware wallets. Lunch Money syncs balances only for Coinbase, Kraken and Ethereum addresses, and says wallet transactions are not supported, with over 300 coins trackable manually.

For export, Copilot's help says iOS can export all transactions as CSV, while iPad, Mac and web export filtered views; fields include date, name, amount, category, account, notes and recurrings. Lunch Money exports the current filtered view to CSV and offers a v2 developer API authenticated by an access token. We found no public API on the Copilot pages we read.

Who fits each, and who should skip

Choose Copilot if your household is US-only, on Apple devices, and wants a polished app with one price. Skip Copilot if you rely on an Android phone, if you bank outside the US, or if you need a partner to have their own login today, since its FAQ and pricing page list households and partner invites as coming soon.

Choose Lunch Money if you need multi-currency, non-US banks, an API, or several separate budgets under one subscription. Skip Lunch Money if you mainly budget on your phone and want the app to feel native first; its own FAQ calls it web-first.

• Android phone as your main device: Lunch Money.
• Accounts outside the US or in non-USD currencies: Lunch Money.
• US-only, Apple devices, single user: Copilot is worth a trial.
• Need a developer API: Lunch Money.