Kubera vs Copilot Money
The Apple budgeting app, US-only, against the whole balance sheet on any device. Different problems; here is which one is yours.
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about kubera
about kubera
Copilot is the budgeting app Apple users recommend to each other: fast, beautifully designed, $95 a year, and limited to US institutions in US dollars on Apple devices and the web. Kubera is a net-worth tracker with no budget at all, built for people whose money is spread across countries, currencies, exchanges and private deals. They solve different problems, so this page is mostly about which problem is yours.
Facts checked on 5 October 2026. Competitor prices and limits come from their own sites and help centres where they publish them; where they do not, the page says who reported the figure.
| Kubera | Copilot | |
|---|---|---|
| Price | Essentials $250 a year. Black $2,500 a year. 14-day free trial, no card. | $13 a month or $95 a year. One-month free trial. |
| What it is | A net-worth tracker for every asset and debt, with history, performance and forecasts. | A budgeting and spending app with investment and net-worth views. |
| Platforms | Web, installable on iPhone and Android home screens. Mobile is built for viewing. | iPhone, iPad, Mac and web. No Android app. |
| Countries and currencies | Institutions in 40+ countries; any currency; rates refreshed every two hours. | US institutions only, USD only, no conversion. US App Store only. |
| Investments | Ticker, quantity, cost basis; IRR per position; benchmarks; non-US exchanges priced; daily history from day one. | Holdings, allocation, average cost and total return where the institution provides them; benchmarks; holdings refresh once a day; no backfill of history; no CSV import. |
| Crypto | 20+ exchanges, hardware wallets, 18 chains, DeFi positions, NFTs. | API links to Coinbase, Kraken, Gemini, Binance.US and Bitstamp; public BTC and ETH addresses; Ledger and Trezor via xPub. No DeFi or other chains mentioned. |
| Private investments | Commitments, calls and distributions on a schedule; IRR; documents. | A manual account with a value. |
| Manual assets | Homes, cars, collectibles, loans made, gold; live price feeds and an AI appraiser keep values current. | Cars, property, art, jewelry and metals as manual accounts. |
| Household and entities | Collaborators on every plan; nested portfolios and ownership tags on Black. | Single user. |
| AI | Connect to ChatGPT, Claude, Grok and other assistants, read-only. | AI categorisation of transactions. |
| If you die | Dead Man’s Switch sends your data to the person you named. | None. |
| Privacy | No ads, no data sales. | No ads, no data sales; subscriptions only. |
Copilot is a budgeting app, and a good one. It pulls transactions from US banks and cards, categorises them with some help from AI, and shows you spending, recurring charges and a net-worth line. Kubera does none of the first three. It tracks balances, positions and valuations, every day, for everything you own, and leaves the monthly budget to other apps.
So the choice is rarely close. If the thing you want is a budget, Copilot. If the thing you want is a balance sheet, Kubera. If you want both, people run both: Copilot for the month, Kubera for the net worth.
Copilot supports US financial institutions only and shows everything in US dollars; its help centre says foreign-currency transactions arrive at whatever dollar figure the data provider sends, with no conversion. It is sold only in the US App Store, and there is no Android app. For investments, it refreshes holdings once a day, does not backfill history before you connected, and cannot import a CSV.
Kubera connects to institutions in 40+ countries through nine aggregators, holds every asset in its own currency, runs on any device with a browser, and starts a daily history the day you connect. If an account will not connect, Web Sync or AI import keeps it current without re-typing.
Copilot connects to five US exchanges by API, reads public Bitcoin and Ethereum addresses, and supports Ledger and Trezor through xPub keys. That covers most people. Kubera adds the rest: 20+ exchanges, 18 chains by wallet address, DeFi positions on Ethereum, BSC and Polygon, NFTs, staking and lending, with stablecoins treated as cash on your balance sheet.
Copilot is faster, prettier and native on Apple devices; Kubera’s mobile is a web app built for viewing rather than editing. Copilot has a budget, recurring-charge detection and spending insights, none of which Kubera offers. It costs $95 a year against $250. If you are a US-only, Apple-only person who wants to manage the month, Copilot is the right answer and Kubera would be the wrong one.
There is no export to bring across. Connect your institutions in Kubera (most take under a minute), add the things Copilot could not hold, and the history starts that day. The 14-day trial is the full product, no card, and ends by itself if you do nothing.
“Instead of spending hours updating balances and tracking investments, Kubera automates everything, giving me a clear, real-time view of my finances in one place.”
“Before Kubera, I was cobbling together spreadsheets and logging into a dozen different platforms just to answer the basic question: 'What's my actual net worth?'”
“Gives you a 10,000 foot view of all your investments and accounts. Really does a great job surfacing key information. Also love that there is no ads!”
