Do I need to connect my bank?

No. Never. You add subscriptions manually, which means Subkept never gets your bank credentials, transaction feed, or card history.

No. We are not an ad business and we do not sell personal data. The product works because people pay for the product, not because we squeeze value out of their information.

What happens if I cancel?

You can export your data, and when you close the account we delete the data associated with it. There is no dark-pattern off-ramp.

How is this different from Rocket Money or Mint?

Those tools lean on bank connections and transaction scraping. Subkept does not. You tell us what matters, we help you manage it, and your bank stays out of the loop.

Is Copilot Money free?

Copilot Money has a free trial, but there is no permanent free tier. After the trial, the product requires a paid plan at approximately $13.99 per month or $95.99 per year.

Does Copilot Money have a web app?

No. Copilot is iOS and macOS only. If you use Android or work primarily on Windows, Copilot is not available. Subkept runs in any browser.

Can I use Subkept instead of Copilot for subscription tracking?

Yes. Subkept handles subscription tracking at a third of the price without bank access. The tradeoff is no automatic transaction detection and no budgeting or investment tools.

Does Subkept have a free trial?

Subkept has a permanent free tier for up to 3 subscriptions — no time limit, no bank link required. Copilot has a time-limited trial and then requires a paid plan.

Which is better for privacy?

Subkept wins on privacy by design: no bank link, no transaction data, manual entry only. Copilot requires full financial account access to function.

Subkept vs Copilot Money

Subkept

Privacy-first

VSUpdated May 2026

Copilot Money

Premium bank-linked finance

Subkept vs Copilot Money: privacy-first or premium Apple finance

Copilot Money is a beautifully designed, premium-priced finance app for iPhone and Mac that connects to your bank. Subkept is a manual subscription tracker that never touches your accounts. They target different users: Copilot is for people who want a premium all-in-one finance experience; Subkept is for people who want focused subscription tracking without sharing their banking data.

Copilot Money has earned a loyal following among iPhone and Mac users who want a polished, data-rich view of their entire financial picture. It pulls from connected bank, investment, and card accounts to show spending trends, net worth, and — as part of that — subscription detection. It is a premium product at a premium price: around $14 per month with no real free tier after a trial.

Subkept does one thing. It tracks subscriptions. You add them manually, the app surfaces price changes and upcoming renewals, and it never needs access to any account. The price is $5 per month or $35 per year, with a free tier for up to 3 subscriptions. There is no bank connection to set up, no financial data to share, and no iOS-only restriction.

The gap between these two products is wider than it looks on a features list. Copilot is a lifestyle product for people who want to see everything. Subkept is a narrow tool for people who trust themselves to manage their money but want help with the one category — subscriptions — where charges hide in plain sight.

Side-by-side: 16 features

Every row reflects the feature's status on each product's current public release.

Feature	Subkept	C Copilot Money
Bank connection required	No	Yes
Manual entry	Yes	limited
Subscription tracking	Yes	Yes
Renewal reminders	Yes	Yes
Price-hike alerts	Yes	limited
Trial countdown	Yes	No
Calendar view	Yes	No
Worth-It scoring	Yes	No
Bill negotiation	No	No
Cancellation service	No	No
Multi-currency	Yes	No
Household sharing	Yes	No
Data export	Yes	Yes
Free tier (no time limit)	Yes	No
Dark mode	Yes	Yes
Works offline / PWA	Yes	No

Swipe to see all columns →

Who should choose which

Choose Subkept if you...

You want focused subscription tracking without the overhead of a full finance app.
You do not want to connect bank or investment accounts to a third-party app.
You use Android, Windows, or want a web dashboard accessible from any device.
You want a flat $5/month price rather than ~$14/month for features you may not need.

Choose Copilot Money if you...

You want a premium, beautifully designed finance app on iPhone and Mac.
You want your entire financial picture — subscriptions, budgets, investments, net worth — in one place.
You are comfortable with full bank and investment access.
You consider ~$14/month a reasonable price for a polished all-in-one experience.

Honest tradeoffs

Things neither product's marketing page will tell you upfront.

Copilot is genuinely beautiful. If product design matters to you and you are in the Apple ecosystem, Copilot is one of the best-looking finance apps available. Subkept does not compete on design in the same category.

Copilot auto-detects subscriptions. Subkept requires manual entry. If you have no idea what is charging you, Copilot's auto-detection is a real advantage.

Copilot costs nearly three times more than Subkept and is Apple-only. If Android, web access, or price matters, Subkept wins on all three.

Frequently asked questions

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