Honest Comparison

nint vs. Copilot Money

Polished iOS finance tracker — how nint's free, private approach compares

Copilot Money is a polished, Apple-only personal finance tracker known for its clean design, automatic bank sync, and smart transaction categorization. It connects to your accounts, pulls in transactions, and gives you a unified dashboard of spending, budgets, and net worth. nint takes a fundamentally different approach — keeping your financial data on your device, offering a free tier, and running its AI on-device rather than in the cloud.

The core difference: Copilot Money is a cloud-first, subscription-only app available only on iPhone, iPad, and Mac, while nint is privacy-first, has a free tier, and keeps your data in a local, encrypted vault.

Where nint is stronger

Free tier available

nint's core budgeting is free forever. Copilot Money has no free tier — after a short trial it requires a subscription (around $95/year or roughly $13/month).

Privacy-first architecture

Your financial data stays on your device in an AES-256 encrypted vault. Copilot is cloud-first and syncs your transaction data to its servers.

On-device AI coach

nint's AI money coach runs entirely on your device and is off by default. Copilot's categorization and insights process your data in the cloud.

No bank connection required

nint is manual-first with CSV/OFX import, so you can budget without ever linking a bank account. Copilot's experience is built around Plaid bank connections.

Price lock guarantee

Your nint subscription price won't increase after signup. Copilot's price has climbed over time.

Instant data deletion

Delete your data anytime and it's gone — there are no cloud copies to chase down.

Where Copilot Money is stronger

Automatic bank sync

Copilot connects to thousands of banks and card issuers via Plaid (and MX), importing and categorizing transactions automatically with little manual effort.

Investment and net worth tracking

Copilot tracks brokerage accounts, investments, and net worth over time. nint focuses on budgeting and does not track investments.

Refined, award-winning design

Copilot's interface is widely praised and feels native to Apple platforms, with smooth animations and a strong dashboard.

Mature automatic categorization

Copilot's categorization engine is well-regarded and learns from your corrections across your connected accounts.

nint is NOT for you if…

You want fully automatic bank sync across all your accounts — nint is manual-first and does not connect to banks via Plaid.

You need investment and net worth tracking alongside your budget — nint focuses on budgeting, not portfolio management.

You only ever use Apple devices and want the most polished native dashboard — Copilot is purpose-built for that experience.

You prefer a hands-off app that imports and categorizes everything for you with no manual entry.

Feature Comparison

Feature	nint	Copilot Money
Local-first data storage	✅	❌
End-to-end encrypted sync	✅	❌
No data selling	✅	⚠️ Partial
On-device AI coach	✅	❌
Free tier available	✅	❌
Android availability	⚠️ Coming	❌
Price lock guarantee	✅	❌
Transaction tracking	✅	✅
Budget management	✅	✅
Goal tracking	✅	✅
Recurring transactions	✅	✅
Reports & analytics	✅	✅
Manual transaction entry	✅	⚠️ Partial
CSV/OFX import	✅	⚠️ Partial
Bank sync (Plaid)	❌	✅
Investment tracking	❌	✅
Net worth tracking	❌	✅
Smart categorization	✅	✅
Spending insights	✅	✅

Ready to try nint?

If privacy matters to you and you prefer keeping your financial data on your device, nint might be the right fit. Start with the free tier — no credit card required.