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Comparison · Budgeting apps

Copilot Money vs Firefly III: which is better in 2026?

Copilot Money84.0#4 in best budgeting appsFirefly III79.0#6 in best budgeting apps

Copilot Money ranks higher in our list of budgeting apps (#4 against #6, score 84.0 against 79.0).

  • 84.0
    Editorial score
    79.0
  • 4
    Platforms
    2
  • No
    Free to use
    Yes
  • No
    Open source
    Yes

Which should you choose?

Choose Copilot Money if you want

Apple users who want automatic categories.

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.

Choose Firefly III if you want

Self-hosted double-entry bookkeeping.

A free, open-source double-entry ledger that you run on your own server with Docker or a self-managed install. It rewards accounting-minded users, but setup, backups and upgrades are the owner's job.

The main differences

  • Only Copilot Money runs on macOS.
  • Only Copilot Money runs on iOS.
  • Firefly III is open source; Copilot Money is not.
  • Firefly III can be used for free; Copilot Money requires payment.

Side by side

Copilot MoneyFirefly III
Score84.079.0
Rank in list#4 of 6#6 of 6
PriceSubscriptionSubscription after a one-month free trialFree and open sourceFree and open source; you host it on your own server
Free to useNoYes
Open sourceNoYes
PlatformsWebiOS, iPadOSmacOSWeb, iOS, iPadOS, macOSWebSelf-hostedWeb, Self-hosted
Made byCopilot MoneyNot stated
Self-hosted optionNoYes
Bank connectionsYes, linked accountsManual entry and imports
Budgeting methodCategory budgets with AI taggingDouble-entry ledger
Best forApple users who want automatic categoriesSelf-hosted double-entry bookkeeping
Strengths
  • AI tagging of transactions
  • Native apps for iPhone, iPad and Mac
  • Web app alongside the Apple apps
  • Double-entry bookkeeping for accurate ledgers
  • AGPL-3.0 open-source code
  • Installs with Docker or on a self-managed server
Limits
  • No Android app
  • Subscription after the one-month trial
  • Owner runs servers, backups and upgrades
  • Setup needs more technical skill than hosted apps
LinksVisit site Visit site

Questions about Copilot Money vs Firefly III

Is Copilot Money better than Firefly III?
Copilot Money ranks higher in our list of budgeting apps (#4 against #6, score 84.0 against 79.0). Copilot Money is best for: apple users who want automatic categories. Firefly III is best for: self-hosted double-entry bookkeeping.
Which is cheaper, Copilot Money or Firefly III?
Copilot Money: Subscription after a one-month free trial. Firefly III: Free and open source; you host it on your own server.
Do Copilot Money and Firefly III run on the same platforms?
Copilot Money supports Web, iOS, iPadOS, macOS. Firefly III supports Web, Self-hosted.