Copilot Money is iOS and Mac only. Harbor Money works everywhere.
Copilot Money is $13/month (or $95/year) and runs on iPhone, iPad, and Mac — there's no Android app, and its new web app isn't a full replacement yet. If anyone in your household is on Android, Copilot simply doesn't work for them. Harbor Money runs in any browser, free during beta.
No app store. No platform to be locked out of.
Copilot's AI categorization is well reviewed — the platform restriction is the actual problem. Harbor Money runs as a website, installable as a PWA on any phone, Android included.
Works on Android, too
Copilot has no Android app and no announced timeline for one. Harbor Money runs in the browser and installs as a PWA on any phone.
Forward-only email parsing
Copilot connects to accounts through Plaid and direct institution links. Harbor Money just reads the transaction alert email your bank already sends.
AI-assisted categorization
Copilot's per-user ML model gets more accurate as you correct it. Harbor Money's optional AI assist does the same — and you can turn it off.
Goals & recurring bills
Track savings goals and recurring bills without a device restriction on who in your household can see them.
Statement upload fallback
Missed a transaction? Upload a statement and Harbor Money catches anything the email parser missed.
Passkey sign-in
Face ID or a security key instead of a password, on whatever device you're using.
A budgeting app shouldn't care what phone you own.
Copilot Money costs $13/month ($95/year annual) and is Apple-only — iPhone, iPad, and Mac. A limited web app arrived in December 2025, but it's explicitly not a full replacement for the native apps. Android users are out, full stop.
Harbor Money is a website first. It works the same in any modern browser, installs as a PWA on iOS or Android, and never required an app store approval to exist.
- Works on Android, iOS, and desktop equally
- No bank credentials required, ever
- Free during beta, no card required
- Built and run by one operator in Massachusetts
Great app, if you're all-in on Apple.
An honest comparison of what each app actually requires.
| Feature | Harbor Money | Copilot Money |
|---|---|---|
| Price | Free (beta) | $13/mo or $95/yr |
| Android support | Yes, via browser/PWA | No native app |
| Bank connection | Forwarded emails only | Plaid + direct links |
| AI categorization | Yes, optional | Yes, per-user ML |
| Owned by | Solo operator, MA | Copilot Money, Inc. |
No app store.
No platform to be locked out of.
Free during beta. No bank credentials, ever. Works the same on iPhone, Android, or desktop.