Why Our Members Switched
Amadae vs Copilot Money
Amadae is best for
- Creators and self-employed people who need books, banking, and tax filing
- Households that want forecasting connected to business cash flow
- Anyone not exclusively on Apple devices
Copilot Money is best for
- Apple-first users who want the most polished personal spending tracker
- W-2 households that want insights rather than a full budgeting method
The verdict
Copilot is arguably the best-designed personal finance tracker on iPhone and Mac. It is also strictly a tracker: personal accounts, spending insights, and net worth, with no business accounting, no invoicing, no taxes, and no Android or full web parity. Creators and the self-employed need the business half that Copilot deliberately does not build. Choose Copilot as a beautiful window into personal spending. Choose Amadae to actually run the business and taxes behind that spending.
Personal finance tracker (Apple) · Updated 2026-08-19
Copilot Money pricing vs Amadae
Amadae
All plans 100% deductible
- LLC plan from $249/month: monthly bookkeeping, quarterly estimates, business and personal returns, real accountants
- S corp plan from $349/month: adds payroll, reasonable salary and the S corp return
- A free financial review comes first, so you know what you would save before paying
Copilot Money
- About $95/year, Apple platforms
Copilot pricing is as published as of August 2026.
Feature comparison
| Amadae | Copilot Money | |
|---|---|---|
| Automated bookkeeping on its own ledger | ||
| Business and personal tax filing | Included with Amadae Accounting | |
| Quarterly estimated taxes | Calculated and scheduled for you | |
| S-corp formation and election | ||
| Business banking and cards | Aggregates personal accounts, read-only | |
| Invoicing and payments | ||
| Intelligent Assistant (Mozart) | Included in every module | AI-assisted categorization |
| Personal finance and forecasting | Spending insights and net worth, the core product |
Not sure if Copilot Money or Amadae fits better? A 30-minute call tells you exactly where you stand.
Learn MoreFree 30-minute review. No pitch deck.
Pros and cons
Amadae
Pros
- Full business layer: banking, books, invoicing, payroll, and tax filing
- Personal finance and forecasting included alongside the business
- Works on the web, not gated to one device ecosystem
- Mozart, the Intelligent Assistant, executes tasks rather than just categorizing
Cons
- A full platform is more than a pure spending tracker if that is all you want
Copilot Money
Pros
- Best-in-class design and categorization experience
- Fast, native Apple apps
- Simple flat annual pricing
Cons
- Apple-only, with limited web functionality
- No business accounting, invoicing, or banking
- No tax features of any kind
What Copilot does well
Copilot wins on craft. Categorization is smart, the design is genuinely pleasant, and for a personal spending tracker on Apple devices it is probably the category leader. If you want to glance at your phone and understand your spending, it delivers.
Where Amadae is different
A tracker reports; it does not run anything. For the self-employed, the money that matters is generated, taxed, and moved in the business, and that is the layer Amadae operates: native banking and cards, books kept for you, invoicing, payroll, quarterly estimates, and filed returns, with personal finance and forecasting connected on top. Copilot can show you the aftermath; Amadae runs the machine.
How to choose
W-2 household, Apple devices, want a beautiful tracker: choose Copilot. Business or 1099 income anywhere in the picture: the tracker stops answering the important questions, and Amadae's business-plus-personal platform is built for exactly that gap.
What you get with Amadae
One flat monthly price. Real accountants who know how creators get paid.
- Automated bookkeeping on its own ledger
- Business and personal tax filing
- Quarterly estimated taxes, calculated and scheduled
- S-corp formation and election
- Business banking and cards, built in
- Intelligent Assistant (Mozart) included in every module
Free 30-minute review. Transparent pricing.
Plans from
$249/mo
If you make $40K - $69K. Flat, no hourly bills.
- Monthly profit and loss reports
- Tax set-aside management
- Expense categorization
- Real-time financial dashboard
- Business bank account connections
- Individual tax return included*
Common questions
Copilot Money vs Amadae FAQ
Does Copilot Money handle business finances or taxes?+
No. Copilot is a personal spending tracker. It has no business accounting, invoicing, payroll, or tax features. Amadae covers all of those plus personal finance.
Is Copilot available outside Apple devices?+
Copilot is built for iPhone and Mac with limited web functionality. Amadae runs fully on the web.
Can I keep Copilot for personal tracking and use Amadae for business?+
Yes, they coexist fine. Many members eventually consolidate because Amadae's personal finance layer sees the business cash flow that a standalone tracker cannot.
Which is cheaper?+
Copilot, at about $95 per year, because it only tracks. Amadae software modules start at $10 per month and full-service accounting is quoted after a free review.
See how Amadae compares to Copilot Money
Free 30-minute review. We tell you exactly what you would save.