Cross-platform subscription tracker vs Apple-only finance app
Copilot Money is a beautifully designed finance app, but it costs $13/mo, only works on Apple devices, and has no free tier. SubHorizon gives you dedicated subscription intelligence on any platform — starting free.
- Free tier (5 subscriptions)
- Pro: unlimited subs, analytics, multi-currency
- Max: AI parsing, smart recommendations
Beautiful AI-powered finance app for Apple devices
Feature comparison
| Feature | SubHorizon | Copilot Money |
|---|---|---|
| Focus | 100% subscription management | Full personal finance |
| Pricing | Free / $1.99/mo / $5.99/mo | $13/mo ($95/yr) |
| Free tier | Yes (5 subscriptions) | No (trial only) |
| Platforms | Web (any device, any OS) | iOS, Mac, Web (no Android) |
| AI receipt parsing | Yes (Max plan) | No |
| AI categorization | Pre-seeded catalog (18+ tools) | Yes (auto-categorization) |
| Bank login required | No (privacy-first) | Yes (Plaid) |
| Multi-currency | 20+ currencies | Limited |
| Investment tracking | No | Yes |
| Renewal alerts | 30/60/90-day proactive | Recurring transaction detection |
| Spending analytics | Subscription-focused insights | Full financial analytics |
| Budget goals | Yes | Yes |
| Calendar view | Yes | No |
| Export (PDF/CSV) | Yes | Limited |
The verdict
Copilot Money is a premium, beautifully designed finance app — but at $13/mo with no free tier and no Android support, it's a steep commitment. SubHorizon delivers dedicated subscription intelligence on any platform for free or $1.99/mo, making it the smarter choice for subscription tracking.
Choose SubHorizon if you want a free tier, use Android or Windows, need AI receipt parsing for subscriptions, prefer privacy (no bank login), or find $13/mo too steep for subscription tracking alone.
Choose Copilot Money if you're all-in on Apple, want investment tracking alongside subscriptions, prefer a polished native app experience, and don't mind paying $13/mo with bank account linking.
Frequently asked questions
Can I use Copilot Money on Android?
No. Copilot Money is only available on iOS, Mac, and web as of 2026 — there is no Android app. SubHorizon works on any device with a browser, including Android, Windows, Linux, and Chromebooks.
Is SubHorizon cheaper than Copilot Money?
Yes. SubHorizon's Free tier costs nothing. Pro at $1.99/mo is 85% cheaper than Copilot Money's $13/mo. Even Max at $5.99/mo with AI parsing is less than half the cost. Copilot Money has no free tier — just a trial period.
Does Copilot Money have better AI features than SubHorizon?
Copilot Money uses AI for automatic transaction categorization based on bank data. SubHorizon uses AI differently — receipt parsing (extract subscription details from screenshots or emails) and a pre-seeded catalog of 18+ AI tools. They solve different problems.
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