Copilot Money is a full-featured budgeting app where subscription tracking is one of many tools. SubTracker is a focused, privacy-first subscription tracker that costs a fraction of the price. Choose based on whether you need budgeting or just subscription management.
| Feature | SubTracker | Copilot Money |
|---|---|---|
| Price (Free tier) | Free (up to 3 subscriptions) | None — no free tier |
| Price (Paid) | $1.99/mo or $14.99/yr | $9.99/mo or $69.99/yr |
| Platforms | iOS (iPhone & iPad) | iOS, Mac |
| Privacy model | 100% on-device — no bank linking | Cloud-based — requires bank linking |
| Works offline | Yes, fully functional | Limited — bank sync needs internet |
| Cancel guides | 600+ step-by-step guides | None |
| Family sharing | Yes (via iCloud Family) | No |
| Budgeting tools | No (focused on subscriptions) | Yes — full budgeting, spending categories, investments |
| Bank linking | Not required | Required for core features |
| Availability | Worldwide | US only |
| Languages | 10 languages | English only |
People who specifically want to track subscriptions, get renewal reminders, and access cancel guides — without paying $70+/year or sharing bank data. Perfect for users outside the US, families who share via iCloud, and anyone who values privacy.
US-based users who want a premium, all-in-one financial dashboard. Copilot Money is genuinely excellent at what it does — beautiful design, investment tracking, budgeting, and smart subscription detection from bank transactions. Worth the price if you'll use all its features.
SubTracker keeps everything on your device — no accounts, no bank linking, no cloud processing. Copilot Money requires linking your bank accounts (US banks only, via Plaid) and stores your financial data on their servers to provide its budgeting and tracking features. Copilot is built by a reputable team with good security practices, but if you prefer not sharing bank data with any third party, SubTracker is the obvious choice.
The price difference is dramatic. SubTracker Pro costs $14.99/year. Copilot Money costs $69.99/year or $9.99/month ($119.88/year). That's 4.7x more expensive annually. The question is what you're paying for: Copilot gives you comprehensive budgeting, spending analysis, and investment tracking alongside subscription management. SubTracker focuses purely on subscriptions and does that one thing well at a much lower price. Copilot also has no free tier — you must pay to use it at all.
Yes, because Copilot links to your bank accounts, it can automatically identify recurring charges. SubTracker requires manual entry or selection from 600+ templates. Copilot's auto-detection is convenient but requires sharing your bank data.
No, Copilot Money only supports US bank accounts. SubTracker works worldwide and supports multiple currencies, making it the better choice for international users.
Copilot Money is a full financial management platform — budgeting, investment tracking, spending categories, and subscription detection from bank data. SubTracker is focused specifically on subscription tracking. You're paying for very different scopes of features. If you only need subscription tracking, SubTracker Pro at $14.99/year is significantly better value.
Currently, SubTracker is available on iPhone and iPad with iCloud sync between them. Copilot Money offers a native Mac app in addition to iOS. If you want a desktop subscription dashboard, Copilot has the advantage here.
Free to download. Track up to 3 subscriptions at no cost. No bank linking, no accounts — your data stays on your device.
Download SubTracker — FreeRequires iOS 17 or later
Need help cancelling a subscription? Check our step-by-step guides.