{
    "products": [
        {
            "slug": "copilot-money",
            "name": "Copilot Money",
            "kind": "app",
            "website": "https://www.copilot.money/",
            "page": "https://listme.name/software/copilot-money",
            "tagline": "Personal finance app for Apple devices and the web",
            "summary": "Copilot Money is a subscription personal finance app for iPhone, iPad, Mac and the web. It uses AI to tag transactions, tracks budgets and net worth, and offers a one-month free trial.",
            "developer": "Copilot Money",
            "platforms": [
                "web",
                "ios",
                "ipados",
                "macos"
            ],
            "pricing": "subscription",
            "price_note": "Subscription after a one-month free trial",
            "free_to_use": false,
            "open_source": false,
            "strengths": [
                "AI tagging of transactions",
                "Native apps for iPhone, iPad and Mac",
                "Web app alongside the Apple apps"
            ],
            "limits": [
                "No Android app",
                "Subscription after the one-month trial"
            ],
            "checked": "2026-10-10",
            "connected_to_publisher": false,
            "overview": "Copilot Money tracks accounts, transactions, budgets and net worth in one app. Its AI learns spending patterns and tags each transaction, so many transactions are categorized without manual sorting. The app is available on web, iPhone, iPad and Mac, and data stays in step across those devices.\n\nCopilot is a paid subscription after a one-month trial, and the company does not offer an open-source or self-hosted version. It suits people who use Apple devices and want automatic categories with a clean interface. For strict envelope budgeting, YNAB or Actual Budget fits better."
        },
        {
            "slug": "simplifi",
            "name": "Simplifi by Quicken",
            "kind": "app",
            "website": "https://www.quicken.com/products/simplifi/",
            "page": "https://listme.name/software/simplifi",
            "tagline": "Subscription spending plan app with goals and cash-flow projections",
            "summary": "Simplifi by Quicken is a paid personal finance app that builds a spending plan from linked accounts, tracks savings goals and projects cash flow. It runs on mobile and the web, and it is offered alongside Quicken's desktop products.",
            "developer": "Quicken",
            "platforms": [
                "web",
                "ios",
                "android"
            ],
            "pricing": "subscription",
            "price_note": "Paid subscription, billed annually",
            "free_to_use": false,
            "open_source": false,
            "strengths": [
                "Spending plan that updates with transactions",
                "Savings goals and cash-flow projections",
                "Retirement planner and investment views"
            ],
            "limits": [
                "Paid subscription with no open-source option",
                "Less suited to strict envelope budgeting"
            ],
            "checked": "2026-10-10",
            "connected_to_publisher": false,
            "overview": "Simplifi shows what is left to spend after bills and goals, and the spending plan updates as transactions post. Savings goals track progress toward a target, and cash-flow projections show what the coming weeks and months look like. A retirement planner and investment views sit alongside the budget.\n\nSimplifi is a subscription billed annually, according to its pricing listing, and it has no open-source or self-hosted option. Its planning approach suits people who want a spending plan and goals rather than category envelopes. Users who need a free tool or a self-hosted ledger should look at Actual Budget or Firefly III."
        }
    ],
    "differences": [
        "Only Copilot Money runs on macOS.",
        "Only Simplifi by Quicken runs on Android."
    ],
    "shared_rankings": [
        {
            "list": "budgeting-apps",
            "name": "Budgeting apps",
            "page": "https://listme.name/best/budgeting-apps",
            "of": 10,
            "results": [
                {
                    "product": "copilot-money",
                    "rank": 4,
                    "score": 84,
                    "verdict": "Automatic transaction categorization on iPhone, iPad, Mac and the web, with budgets and net worth in one app. It has no Android app, and the subscription follows a one-month trial.",
                    "best_for": "Apple users who want automatic categories",
                    "spec": {
                        "self_hosted": false,
                        "bank_sync": "Yes, linked accounts",
                        "method": "Category budgets with AI tagging"
                    }
                },
                {
                    "product": "simplifi",
                    "rank": 5,
                    "score": 81.5,
                    "verdict": "A spending plan that updates with transactions, with savings goals, cash-flow projections and a retirement planner. It is a paid subscription with no open-source or self-hosted option, and it suits spending plans more than envelopes.",
                    "best_for": "Spending plans with goals and cash-flow views",
                    "spec": {
                        "self_hosted": false,
                        "bank_sync": "Yes, linked accounts",
                        "method": "Spending plan"
                    }
                }
            ]
        }
    ],
    "ranks_higher_in_closest_shared_list": "copilot-money",
    "page": "https://listme.name/compare/copilot-money-vs-simplifi",
    "json": "https://listme.name/api/v1/compare/copilot-money-vs-simplifi.json",
    "notes": [
        "Scores are editorial and only comparable inside one list. Products with connected_to_publisher true receive a disclosed ranking lift: https://listme.name/methodology"
    ],
    "source": "https://listme.name",
    "license": "Free to read and cite with attribution to listme.name.",
    "docs": "https://listme.name/developers"
}