ftrme vs Copilot Money
Copilot is the better pick if you’re on Apple devices and want a beautiful, automatic view of linked accounts and spending. ftrme is for people who want to change one habit at a time without connecting a bank.
By Max, founder of ftrme · Updated | ftrme | Copilot Money | |
|---|---|---|
| Price | $49 for the first year (founding beta price, refundable until your invite) | Reported at $13/month or $95/year, with a trial |
| Needs your bank login? | No. Works in percentages, no bank login or payslip | Built around linked accounts |
| How it works | Present Me / Future Me: see your split, see two futures, one small step a day | Automatic categorization and budgets from linked transactions |
| Tone | No judgment, by design | Polished, neutral |
| Status | Private beta, 50 founding seats | Established. iPhone, iPad, Mac and web, no Android app |
Competitor details last checked October 9, 2026. Copilot price and platforms from current third-party guides. Prices change, so check their site before you buy.
When is Copilot Money the better pick?
If you want automatic categorization of real transactions with a great design and you’re on Apple devices, Copilot is very good at it.
When is ftrme the better pick?
If you don’t want to link accounts, or you need help with the behaviour (the checkout moment, the shame of looking), ftrme is built for that part.
Can you use both?
Yes. Copilot shows what happened. ftrme focuses on the next step.
We make ftrme, so we’re biased. We’ve tried to be fair. If something here is wrong or out of date, email hello@ftrme.com and we’ll fix it.
Quick answers
Is ftrme a Copilot Money alternative?
For some people. ftrme is for people who want to see where their money goes and take one small step a day without linking a bank or keeping a detailed budget. If you want a polished, automatic tracker for linked accounts on Apple devices, Copilot Money is the better tool.
Does ftrme need my bank login?
No. ftrme works in percentages: out of every 100 you earn, how much goes where. No bank login, no payslip.