Plata vs Copilot Money
Copilot Money is the prettiest budget app on iOS — but it's iOS-only, English-only, and $13/month. Plata works on every device, in two languages, with a real AI assistant, at $3.99/month.
Plata vs Copilot Money, in one table.
| Feature | Plata | Copilot Money |
|---|---|---|
| Available on Android | Yes | No |
| Available on web | Yes | No |
| Bilingual EN/ES | Yes | No |
| AI assistant (real Q&A) | Yes | No |
| Zombie subscription detection | Yes | Limited |
| 90-day forecast | Yes | Yes |
| Shared budgets (couples) | Yes | Yes |
| Privacy / no data selling | Yes | Yes |
| Bank sync | Q2 2026 | Yes |
| Price | $3.99/mo | $13/mo |
| Annual price | $39.99/yr | $95/yr |
Sources: public information from Copilot Money.com and our own docs. Last updated April 2026.
What Copilot Money doesn't give you.
Copilot is iOS-exclusive. If you have an Android phone — like 41% of Americans — Copilot literally won't run for you. Plata works on every device through the browser plus an installable PWA.
Copilot has zero Spanish support. For a Hispanic household where one partner is more comfortable in Spanish, Copilot is unusable. Plata is built bilingual.
Copilot is $95/year. Plata is $39.99/year. Same modern UX, two languages, real AI — for $55 less.
Ready to switch?
If you tried Copilot, fell in love with the design, but found yourself locked out by iOS or English-only — Plata is the same gestalt with none of the artificial limits, at $3.99/month.