Is Copilot Money available outside the US?

No. Copilot is US-only — its bank sync is built around US institutions via Plaid. WealthMap works worldwide because it doesn't depend on bank integrations.

Can WealthMap import my transactions from Copilot?

No. WealthMap is asset-balance-focused, not transaction-focused. You enter account balances, not individual transactions.

Does Copilot have a FIRE calculator?

No. Copilot focuses on budgeting and month-to-month cash flow. For FIRE projections and a What-If slider linked to your portfolio, WealthMap is the option.

Which one is more private?

WealthMap. It has no server, no accounts, and no bank sync — data lives on your iPhone with optional E2E-encrypted iCloud sync. Copilot requires Plaid, which means your transactions flow through Plaid's and Copilot's infrastructure.

Are both apps iOS-native?

Yes — both are iOS-native and well-designed. Copilot recently added macOS support too. WealthMap is iOS-only for now.

WealthMap vs Copilot Money — 2026 iOS Comparison

On paper they sound similar — two beautifully designed iOS finance apps. In practice they solve completely different problems. Here's how to figure out which one you actually want, or whether you want both.

Feature	WealthMap	Copilot
Net worth tracking	✓	Partial
Budgeting & transaction categorization	—	✓
Automatic bank sync (Plaid)	—	✓
Privacy-first (no bank sync required)	✓	—
FIRE Calculator with What-If slider	✓	—
Wealth Age behavioral score	✓	—
National Property Index (40+ countries)	✓	—
Pension tracking	✓	—
On-device AI	✓	(AI categorization)
Multi-currency	✓ (16)	Partial
Lifetime purchase option	✓ (€69.99)	—
Annual price	€34.99	$95
Monthly price	€5.99	$13
iOS-native	✓	✓
Available outside US	✓	x (US-only)

They're not actually competing

Copilot Money is a budgeting app. Its core loop is: connect your accounts via Plaid, watch transactions flow in, categorize them (with AI assistance), see how this month compares to last month, decide if you're spending too much on takeout.

WealthMap is a net worth tracker. Its core loop is: enter your assets once, refresh balances occasionally, watch your net worth chart grow, check your FIRE date, see what your Wealth Age says about your habits.

Copilot answers 'where did my money go this month?'. WealthMap answers 'am I building wealth fast enough to retire when I want?'. If you only ever ask one of those questions, you only need one app.

Where Copilot Money is better

Automatic transaction import. Copilot uses Plaid to pull every transaction from every account. WealthMap doesn't import transactions at all — it's not what it's built for.

AI categorization. Copilot's transaction categorization is the best in the category. It learns from your corrections and gets noticeably smarter over time.

Budgeting UI. Per-category budgets, rollover, recurring detection, subscription tracking. If you want to budget month-to-month, Copilot is excellent.

Spending insights. Cash flow, monthly comparisons, merchant breakdowns — the standard budgeting toolkit, executed beautifully.

Where WealthMap is better

Privacy-first. WealthMap never touches your bank. No Plaid, no accounts, no server. Copilot requires Plaid to function.

FIRE Calculator. WealthMap's FIRE calculator knows your real portfolio and lets you drag a What-If slider to see how saving more (or less) changes your retirement year. Copilot doesn't do retirement projection.

Property and pensions. WealthMap tracks property against official national indices for 40+ countries, and supports pensions. Copilot's data model is built around transactions, not assets like these.

Wealth Age. A behavioral score showing whether your finances are 'younger' or 'older' than you are. Copilot doesn't have anything like it.

International. Copilot is US-only. WealthMap works worldwide, with 16 currencies and country-specific data sources.

Pay once. Copilot is subscription-only. WealthMap has a €69.99 Lifetime tier.

Pricing

Copilot Money is $13/month or $95/year. There's no lifetime option.

WealthMap is €5.99/month, €34.99/year, or €69.99 once for Lifetime.

If you commit to one app for five years: Copilot costs $475. WealthMap Lifetime costs €69.99 once. Copilot's price reflects its bank-sync infrastructure and Plaid fees — WealthMap doesn't pay those because it doesn't sync.

The honest answer: use both, maybe

A lot of WealthMap users also use Copilot, or YNAB, or Monarch. Budgeting and net worth tracking are two different jobs, and the best tool for each is different.

If you want one app for both, you'll compromise on one side. Copilot will give you a weak net worth picture (no property tracking, no FIRE, no pensions). WealthMap will give you no budgeting at all.

If you must pick one: choose Copilot if your problem is overspending and you live in the US. Choose WealthMap if your problem is 'I don't know if I'm on track for retirement' and you care about privacy or live outside the US.

WealthMap vs Copilot Money: which iOS finance app do you actually need?