Worthy vs Copilot
The Copilot alternative with no subscription
Worthy
$16.99
One-time purchase. Free for up to 5 assets.
Copilot
$14.99/mo
~$180/year
| Total cost | Worthy | Copilot |
|---|---|---|
| After 1 year | $17 | $180 |
| After 3 years | $17 | $540 |
| After 5 years | $17 | $899 |
Based on Copilot's $14.99/mo plan at today's price. Prices in USD.
What Copilot is, honestly
Copilot is a beautifully designed finance app, but at $14.99/month it's one of the most expensive options. Worthy offers core net worth tracking for a one-time purchase, with equal attention to design and privacy.
Where Copilot wins
Real strengths, no hedging.
Transaction categorization
Spending insights
Where Worthy wins
Also no hedging.
One-time purchase (no subscription)
100% offline & private
No bank connection required
Android support
Side by side
| Feature | Worthy | Copilot |
|---|---|---|
| One-time purchase (no subscription) | ||
| 100% offline & private | ||
| No bank connection required | ||
| Android support | ||
| Net worth tracking | ||
| Asset & liability tracking | ||
| Beautiful, modern UI | ||
| Transaction categorization | ||
| Spending insights |
Which one is for you
Choose Worthy if
- You want your net worth kept current without linking your bank
- You want your financial data to stay on your device
- You prefer a one-time purchase to a subscription
Choose Copilot if
- You need transaction categorization
- You need spending insights
Switching from Copilot
- 1
Note your current balances
You only need today's numbers to start: each account, investment, property and debt.
- 2
Add them to Worthy once
Stocks, ETFs and crypto update their prices automatically, mortgages amortize on schedule and savings accrue interest, so most numbers stay current without any bank connection.
- 3
Backfill the history you care about
Add past values month by month on the history timeline, so your net worth chart shows the journey you were on before you switched.
Copilot vs Worthy FAQ
Why is Copilot so expensive?
Copilot is venture-backed and positioned as a premium product. At $14.99/month, you're paying for polish and transaction tracking features. Worthy delivers beautiful net worth tracking for a one-time $16.99 payment.
Is Copilot available on Android?
No, Copilot is iOS only. Worthy is available on Android with the same beautiful design and comprehensive net worth tracking features.
Does Worthy look as good as Copilot?
Worthy is designed with the same attention to aesthetics - clean typography, smooth animations, and intuitive navigation. The difference is Worthy focuses on net worth rather than transaction tracking.
Can I track spending in Worthy like Copilot?
Worthy doesn't track individual transactions. It's focused on the bigger picture - your total net worth over time. If transaction tracking is essential, Copilot does that well (at a price).