Copilot Money vs SmartFolio
Which is better in 2026? Five scores, side by side.
Copilot Money is the better app overall, scoring 8.8 to 8.5. Copilot Money wins on 3 of the 5 scores, SmartFolio on 2.
iPhone and Mac users who want a polished, low-effort spending tracker
Dividend and long-term investors who want a private, free portfolio view
Score by score
The details
| Feature | Copilot Money | SmartFolio |
|---|---|---|
| Category | Money & Investing | Money & Investing |
| Category rank | #3 of 10 | #6 of 10 |
| Developer | Copilot Money | The Big Head |
| Pricing | Subscription | Free |
| Usable for free | No | Yes |
| iPhone & iPad | ✓ | ✓ |
| Mac | ✓ | — |
| Web | ✓ | — |
Strengths and weaknesses
Copilot Money
- Best-in-class design that makes reviewing spending pleasant
- Categorization learns from your corrections
- Strong investment and net worth tracking
- Built around Apple devices first
- Subscription only, with no free tier
Copilot Money is the best-looking finance app on Apple devices. It sorts transactions with categorization that improves as you review them, tracks investments and recurring bills, and shows where your month is heading at a glance. The native Mac app is excellent. The catch: it is built for Apple users first, and there is no free tier once the trial ends.
Full Copilot Money review
SmartFolio
- Free with no ads, no account and no in-app purchases
- Your data never leaves your iPhone or iPad
- Clear history of every trade, even after you sell
- No automatic broker sync, so updates mean re-importing
- iPhone and iPad only
SmartFolio is a portfolio tracker that keeps everything on your device. You import trade history from a long list of brokers or a spreadsheet, then see every buy, sale and dividend per holding, time-weighted returns and expected income. There is no account and no bank connection, which is great for privacy but means imports are manual. For dividend investors who want a free, private overview, it is a strong pick.
Full SmartFolio review
