OmniAccount vs Copilot Money
Beautiful design meets
real enforcement.
Copilot shows you stunning charts of where money went. OmniAccount controls where it goes. Why not have both?
Copilot nails the experience
If you chose Copilot, you have good taste. It's legitimately one of the best-designed finance apps:
- ✓ Gorgeous interface built with Apple's design frameworks
- ✓ Privacy-focused (paid app, no ads, no data selling)
- ✓ Copilot Intelligence—personalized ML that learns your categorization patterns
- ✓ Smart goal suggestions based on your cash flow and spending
- ✓ Seamless sync across Mac, iPhone, and iPad
But beautiful tracking is still just tracking:
"Your spending on dining increased 23% this month."
Stunning chart. Unhelpful for the money already spent.
- ✗ Apple ecosystem only. No Android, no web-only access. Your partner on Android is locked out.
- ✗ No spending controls. You see where money went, but you can't stop it from going there.
- ✗ No family controls. Great for individuals, but no parent/child spending management.
What if beautiful could be powerful?
OmniAccount combines polished design with actual spending control.
Copilot
"Your grocery spending is trending up. Here's a beautiful chart."
OmniAccount
"You've spent $480 of your $500 grocery budget. $20 remaining this month. Card declined for $45 purchase."
The key differences
Cross-Platform Freedom
Copilot is Apple-only. OmniAccount works on iPhone, Android, and any web browser. Your whole household can use it regardless of device preferences.
Virtual Cards That Enforce
Copilot tracks spending after it happens. OmniAccount gives you virtual cards that stop spending when you hit your limit. Real enforcement, not just reporting.
Built for Families
Copilot is designed for individuals. OmniAccount supports couples, kids, and teens with appropriate controls and visibility for each family member.
Privacy Through Design
Both apps are privacy-focused with no ads or data selling. OmniAccount adds an extra layer: virtual cards mean merchants never see your real account numbers.
Feature Comparison
Side-by-side: what each platform offers.
Copilot
$13/mo
Platform
Tracking
Control
OmniAccount
$9.99/mo founding
Platform
Tracking
Control
| Feature | Copilot | OmniAccount |
|---|---|---|
| Platform | ||
| iOS / iPhone | ✓ | ✓ |
| Android | ✗ | ✓ |
| Web browser | ✗ | ✓ |
| Mac app | ✓ | Web |
| Tracking & Visibility | ||
| Bank account aggregation | ✓ 10,000+ | ✓ 12,000+ |
| AI categorization | ✓ Intelligence | ✓ |
| Net worth tracking | ✓ | ✓ |
| Investment tracking | ✓ | ✓ |
| Subscription detection | ✓ | ✓ |
| Cash flow visualization | ✓ | ✓ |
| Budgeting & Control | ||
| Budget categories | ✓ | ✓ |
| Budget alerts | ✓ | ✓ |
| Goals | ✓ | ✓ + AI suggestions |
| Real-time budget enforcement | ✗ | ✓ |
| Transaction blocking at limit | ✗ | ✓ |
| Cards & Control | ||
| Virtual card issuance | ✗ | ✓ |
| Per-category cards | ✗ | ✓ |
| Spending limits on cards | ✗ | ✓ |
| Merchant category blocking | ✗ | ✓ |
| Physical card | ✗ | 1 per member |
| Family | ||
| Shared access for couples | ✗ | ✓ |
| Kids/teen accounts | ✗ | ✓ |
| Parental controls | ✗ | ✓ |
| Pricing | ||
| Monthly price | $13/mo | $14.99/mo |
| Annual price | $95/year ($7.92/mo) | — |
| Founding member price | — | $9.99/mo forever |
| Free trial | 30 days | 30 days |
Which is right for you?
Honest guidance on which platform fits your needs.
Stick with Copilot if...
- • You're Apple-only and have no Android users in your household
- • Beautiful charts and visualizations are enough to change your behavior
- • You don't need family accounts or spending controls for kids
- • You have the discipline to stop spending when you see alerts
- • You love Copilot's specific Mac app experience
Choose OmniAccount if...
- ✓ You need cross-platform support (Android, web, mixed household)
- ✓ You want your budget to actually prevent overspending
- ✓ You have kids or teens who need controlled spending cards
- ✓ You want virtual cards that protect your real account numbers
- ✓ Pretty charts aren't enough to change your spending habits
Frequently Asked Questions
What's the difference between OmniAccount and Copilot?
▾
Copilot excels at beautifully visualizing your finances on Apple devices. OmniAccount adds real-time enforcement through virtual cards that decline transactions when you hit budget limits. Both track spending; only OmniAccount controls it.
Is Copilot available on Android?
▾
No. Copilot is exclusively for Apple devices (iPhone, iPad, Mac). If you have Android users in your household or want web-only access, OmniAccount works across all platforms.
Which is more expensive?
▾
Copilot costs $13/month or $95/year ($7.92/month). OmniAccount is $14.99/month, with founding members locked in at $9.99/month forever. OmniAccount includes virtual cards for budget enforcement, family accounts, and cross-platform access that Copilot doesn't offer.
Does Copilot have virtual cards?
▾
No. Copilot is purely a tracking and visualization app. It connects to your existing accounts and shows you spending patterns. OmniAccount issues virtual cards linked to budget categories that automatically enforce spending limits.
What is Copilot Intelligence?
▾
Copilot Intelligence is their AI-powered categorization system. It learns from your behavior to automatically categorize transactions, with a personalized ML model for each user. It's genuinely impressive for tracking. The key difference is that Copilot's AI tells you what happened after you spent money. OmniAccount's AI helps categorize too, but our virtual cards can actually prevent overspending before it happens.
Is OmniAccount's design as good as Copilot's?
▾
Copilot is an Apple Design Award finalist, so design is genuinely their strength. OmniAccount prioritizes clean, functional design that works across all platforms. If native Mac-specific design is your top priority and you don't need enforcement, Copilot may feel more polished.
Can I use both Copilot and OmniAccount?
▾
Technically yes, but there's little reason to. Both connect to your bank accounts and track spending. If you love Copilot's visualizations, you could use it for reporting while using OmniAccount's virtual cards for enforcement, but that's an expensive combination.
Ready for beauty with power?
Join the waitlist for early access. Founding members lock in $9.99/month forever.
Be first in line when we launch.