Is Summa cheaper than Copilot?

Generally yes. Summa has a genuinely usable free tier, paid plans from $6.99 a month or $49.99 a year, a one-time lifetime purchase option, and a 1-month free trial. Copilot has no free tier and costs about $95 a year in the US at the time of writing.

Which app is better for couples?

Summa has shared Spaces built for couples and families: shared accounts and budgets with end-to-end encryption, so not even Summa can read what partners share. Copilot is designed around a single user's accounts.

Does either app work outside the United States?

Summa works worldwide: 17 languages, 75+ currencies, manual and CSV tracking everywhere, and bank sync in the US, UK, Canada and much of Europe. Copilot primarily serves the US market.

Summa vs Copilot Money (2026): an honest comparison

Updated 5 August 2026 · 5-minute read

Full disclosure: we build Summa. Copilot is an excellent app and this page says so where it is true. If you finish reading and Copilot fits you better, that is a good outcome; a comparison you cannot trust is worth nothing.

The short version

Both are design-forward, Apple-native personal finance apps and both are frequently recommended as Mint replacements. The real differences are price and audience. Copilot is a polished, subscription-only app built primarily for US users, with a mature Mac app and years of refinement. Summa costs less, has a real free tier and a one-time lifetime option, works in 17 languages worldwide, adds shared budgets for couples with end-to-end encryption, and runs its AI on your device instead of in the cloud.

	Summa	Copilot Money
Free tier	Yes (manual tracking, CSV import, budgets)	No
Price	$6.99/mo or $49.99/yr (Pro); bank sync tier above that; one-time lifetime purchase available	About $95/yr in the US at time of writing
Free trial	1 month	Shorter by default; varies with promo codes
Bank sync	US, UK, Canada and much of Europe (Open Banking / Plaid), on the Pro+Connect plan	US-focused
Works without bank sync	Yes, fully (manual + CSV + receipt scanning)	Designed around connected accounts
Couples & family	Shared Spaces with end-to-end encryption	Single-user design
AI & privacy	Categorization and forecasting run on your device; shared data is E2E encrypted	Cloud-based intelligence
Languages	17	English
Platforms	iPhone, iPad	iPhone, iPad, Mac
Forecasting	Monte Carlo month simulation with confidence bands	Spending trends and monthly review

Choose Copilot if...

You live in the US, all your accounts are US accounts, and you want the most mature option in the Apple-native category.
A real Mac app matters to you. Copilot's desktop experience is genuinely good and Summa does not have one today.
You do not mind paying roughly $95 a year and never need a free tier.

Choose Summa if...

You budget with a partner. Shared Spaces give you shared accounts and budgets where the encryption means nobody else, including us, can read them.
You want to try before paying (a full month, not a week) or prefer to pay once: Summa offers a lifetime purchase, which no subscription-only competitor does.
You live outside the US, earn in another currency, or simply prefer an app that speaks your language. Summa supports 17 languages including Arabic with full right-to-left charts.
Privacy is the deciding factor: the AI never sends your transactions to a cloud model, and there are no ads and no selling of data.
You track some things manually (cash, informal income, property) and want manual accounts to be a first-class feature rather than a workaround.

What they share

Honest credit where due: both apps care about design in a way most finance software does not. Both are iOS-native with fast, polished interfaces. Both auto-categorize transactions with machine learning and improve with your corrections. Both handle subscriptions and recurring payments well. Whichever you pick, you are getting one of the two most carefully built apps in the category.

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FAQ

Can I import my Copilot data into Summa?

Yes. Export your transactions from Copilot as CSV, then use Summa's Import Check. It maps columns automatically and previews every row before anything is saved.

Is Summa really free?

The free tier is genuinely usable: manual accounts, budgets, CSV import and reporting. Pro adds the forecaster, unlimited goals and more; Pro+Connect adds automatic bank sync. Every new user gets Pro free for a month.

Why should I trust a comparison written by one of the two companies?

You should not trust it blindly, which is why every claim above is specific enough to check. We named the places Copilot wins because they are true, and because readers notice honesty.