Copilot Money vs Luna Budgeting
Comprehensive comparison to help you choose the best budgeting tool for your needs
Copilot Money
Premium iOS budgeting app with AI-powered categorization and beautiful design for Apple users.
Luna Budgeting
Beautiful manual budgeting app focused on spending awareness through intentional tracking
Feature Comparison
| Aspect | Copilot Money | Luna Budgeting |
|---|---|---|
| Starting Price | $95/year ($7.92/month) or $13/month | Monthly $4.99/month |
| Platforms | iOSMaciPadApple Watch | iOS |
| Key Features |
|
|
| Best For | Apple ecosystem users who value premium design and AI-powered automation over manual budgeting. | Manual budgeting enthusiasts, design-focused users, privacy-conscious individuals |
Pros and Cons
Copilot Money
Pros
- Beautiful design
- Excellent AI features
- Apple Design Award finalist
- Great automation
- Responsive support
Cons
- iOS only
- No web version
- Higher price point
- No collaboration
- Limited reporting
Luna Budgeting
Pros
- Beautiful, minimalist interface
- Promotes mindful spending
- One-time purchase option
- Privacy-focused with local storage
- Highly customizable
- No ads or upsells
- Price lock for subscribers
Cons
- iOS only
- No bank connections
- Manual entry required
- No cloud sync
- Limited reporting features
- No web version
Which Should You Choose?
Choose Copilot Money if you apple ecosystem users who value premium design and ai-powered automation over manual budgeting. and value beautiful design.
Choose Luna Budgeting if you manual budgeting enthusiasts, design-focused users, privacy-conscious individuals and prefer beautiful, minimalist interface.
Both tools excel in the budgeting space, but serve slightly different needs. Consider starting with free trials of both to see which interface and workflow suits you better.