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Zedi vs Copilot Money

Copilot syncs your accounts on iPhone, iPad, Mac and the web; Zedi works in any browser, Android included, and starts free with your files.1,2

Facts about Copilot come from its own site and were checked October 10, 2026. Each one links to its source below.

Start freeSee all seven apps

Pick Copilot if

  • You use an iPhone, iPad or Mac and want an app built for it.1
  • You want accounts to sync on their own through Plaid.2
  • You want optional budgets on top of tracking.3

Pick Zedi if

  • You use an Android phone, or just a web browser.
  • You want receipts sorted item by item and costs split with friends.
  • You want to start free, with nothing linked.
Line by line

Zedi and Copilot, side by side.

A check marks a row an app does well. “Not listed” means we looked on its site and could not find it.

Zedi
Copilot
Price
What it costs to use.
Free; Pro $3.50 a month, plus SimpleFIN’s $1.50 a month

Free with your files. Pro is $3.50 a month to Zedi and SimpleFIN bills $1.50 a month or $15 a year, plus tax, so bank sync is $5 a month all in, before tax.

$13 a month or $95 a year

A 1-month free trial, then $13 a month or $95 a year, as its App Store listing shows.4,1

How data gets in
Bank sync, files or typing.
Files, or read-only sync on Pro

Drop in CSV, PDF or QFX statements, Venmo files and receipt photos. On Pro, accounts can also update on their own: read-only through SimpleFIN, about once a day.

Bank sync through Plaid and others

Copilot links accounts through Plaid and Mastercard Data Connect. Venmo comes in from forwarded email receipts.2,5

Your bank login
Where it goes, if anywhere.
Zedi never sees it

Files link nothing. With sync on Pro, you sign in to your bank through SimpleFIN, and MX or the bank holds that login, so Zedi never sees it.

Goes to Plaid or Mastercard

You sign in to your bank through Plaid or Mastercard Data Connect.2

Copies and transfers
Duplicate rows and card payments.
Counted once: copies out, card payments paired

Upload the same month twice and any row with the same date, amount and description is left out. Card payments and Venmo cash-outs pair up, so they don’t count as spending or income.

Marks internal transfers

Card payments and moves between your accounts are internal transfers, kept out of spending. If one is marked wrong, you fix it by hand.6

Receipts
What a receipt photo becomes.
Every item gets its own category

Snap a receipt and each item lands in its own category, automatically. Split items with friends, and get 10 free receipt scans a month.

Not listed

We found no receipt scanning in its help center. Splits go by amount, percent or month.7,1

Who owes who
Costs you share with people.
Who owes who, kept for you

Receipt splits, Venmo payments and IOUs you jot down roll into one running balance per person. It’s your record, so friends don’t need an account.

Not listed

We found no who-owes-who balances in its FAQ or help center.1

Budgets
Plan what you will spend.
Not yet

Not yet. Today Zedi shows exactly where your money went: top categories, and this month next to last month.

Yes, by category; optional

Copilot sets budgets by category. They are optional: you can turn them off in settings.3

Ads and your data
What they say about both.
No ads; never sold

No ads and no ad trackers. We make money from Pro, not from your data.

Doesn’t sell your data

Copilot says it does not advertise based on, or sell, the money data you enter.2

Where it runs
Apps and browsers.
Any web browser

Runs in any web browser, on a phone or a computer. There is no app in the app stores.

iPhone, iPad, Mac, web

Apps for iPhone, iPad and Mac, plus the web. Android is not on its list.1

Questions

Zedi or Copilot?

Is there a Copilot Money alternative for Android?+
Yes. Zedi runs in any web browser, so it works on Android phones, too. Copilot lists apps for iPhone, iPad and Mac, plus the web.1
How much does Copilot cost next to Zedi?+
Copilot is $13 a month or $95 a year after a 1-month trial. Zedi starts free with your files, and Pro is $3.50 a month.4,1
Can Zedi read my Venmo payments?+
Yes. Upload the CSV statement from Venmo on the web, and Zedi does the rest: each payment is matched to the person on the other side, and cash-outs pair with your bank deposit.

Sources

Pages on Copilot’s own site and help center, checked October 10, 2026. Prices and features change, so check them before you decide.

  1. https://www.copilot.money/faq
  2. https://copilot.money/privacy-and-security
  3. https://help.copilot.money/en/articles/6282850-optional-budgeting
  4. https://apps.apple.com/us/app/copilot-track-budget-money/id1447330651
  5. https://help.copilot.money/en/articles/3971255-venmo-integration-faq
  6. https://help.copilot.money/en/articles/3971267-transaction-types
  7. https://help.copilot.money/en/articles/5325255-splitting-transactions

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