rilio.A Copilot Money alternative that runs on Android
Need a Copilot Money alternative that works on Android? Rilio is a private expense tracker for iPhone & Android, no bank login. $4.99/mo, not $95/yr.
- 🤖 Works on Android (Copilot doesn't)
- 💸 $4.99/mo, not $95/yr
- 🔒 No bank login, ever
- 📱 iOS & Android
The best Copilot Money alternative — especially if you're on Android — is Rilio, a private expense tracker for iPhone and Android. Copilot is beautifully designed but Apple-only (no native Android app in 2026), it costs $13/mo or $95/yr, and it requires linking your bank. Rilio works on both platforms, costs a flat $4.99/mo (7-day free trial), and has no bank login — you log a spend in five seconds and AI sorts it. If you're all-in on Apple and want best-in-class design and automation, Copilot is genuinely lovely.
Copilot Money vs Rilio
| Feature | Copilot Money | Rilio |
|---|---|---|
| Android app | No — Apple-only (iPhone/iPad/Mac) | Yes — full Android app |
| Price | $13/mo · $95/yr | $4.99/mo |
| Bank login required | Yes — via Plaid | Never asks for it |
| Add an expense | Automatic bank sync | ~5 sec — type, say it, or paste a bank text |
| Split bills with friends | Not supported | Built in |
| AI chat | Beta only (waitlist) | Yes — built-in, live today |
| Bulk-import statement | Automatic sync only | Upload a PDF, AI reads months of history |
| Free tier | None — 30-day trial | 7-day free trial, then $4.99/mo |
| Works on | iPhone, iPad, Mac (+ limited web) | iPhone & Android |
| Design & automation | Best-in-class | Simple and fast |
| Investment tracking | Yes | Focused on spending |
Why people look for a Copilot Money alternative
Copilot is one of the best-looking money apps around — but a few hard limits push people to look elsewhere.
No Android app
Copilot is Apple-only. There's no native Android app in 2026 — a dealbreaker for Android users and for mixed-device households where one partner isn't on iPhone.
It's expensive
At $13/mo or $95/yr, Copilot sits at the premium end. That's a lot for an app you can only use on Apple devices.
Bank linking is required
Copilot runs on Plaid connections, so it only works once you've handed over your bank logins — with the usual sync and privacy tradeoffs.
No free tier
There's a 30-day trial, but no free plan — and the old “free year for Mint refugees” promo has ended.
How Rilio is different from Copilot
It actually works on Android
Rilio has a full Android app as well as iOS — so it works for you, your partner, and anyone not on an iPhone.
A fraction of the price
$4.99/mo versus $13/mo (or $95/yr). Same everyday clarity, far less money.
No bank login, ever
Rilio never links your accounts. You capture spends yourself, so there's nothing to connect or expose.
Five seconds a day
Type a spend, say it, or paste your bank's SMS and AI files it — quick, no matter the phone.
Split with friends, built in
Rilio also splits bills and group expenses, which Copilot doesn't.
AI chat that's live today
Rilio's built-in AI chat answers plain-English questions — “How much did I spend on food this month?” — right now. Copilot's own “Money Assistant” is still in a waitlist beta.
Bring your history in one upload
Have a bank or card statement PDF? Upload it and Rilio's AI pulls out every transaction — merchant, amount, category — flags duplicates, and lets you review before importing.
Private and ad-free
No ads and nothing sold — just a clean, flat subscription.
Copilot's way vs. the Rilio way
Copilot is gorgeous — if you're on an iPhone and happy to pay for it.
Which phone you have
Copilot MoneyNo native Android app — only a limited browser-based web app.
RilioA full native app on both iPhone and Android.
The best app is useless on a phone it doesn't support.
What it costs
Copilot Money$13/mo or $95/yr — premium pricing.
RilioA flat $4.99/mo.
Roughly a third of the price for the everyday job.
Getting your spending in
Copilot MoneyLink your bank via Plaid; it's required.
RilioType it, say it, or paste a bank text — nothing linked.
No credentials handed over, no sync to babysit.
How it feels to use
Copilot MoneyPolished automation you configure and maintain.
RilioA five-second logging habit that stays out of your way.
Fast and simple keeps the habit alive.
Pricing: Copilot Money vs Rilio
Copilot is $13/mo or $95/yr with a 30-day trial and no free tier — and there's no native Android app, just a limited web app in a browser. Rilio is a flat $4.99/mo with a 7-day free trial, with a full native app on both iPhone and Android. You give up Copilot's polish and investment tracking; you gain a real Android app, a lower price, and no bank login.
How to switch from Copilot to Rilio
- 1
Note the categories you rely on
Copilot's categorization is great — jot down the categories you actually watch so you can recreate the useful ones.
- 2
Download Rilio
Install Rilio on iPhone or Android and start the 7-day free trial. No accounts to link.
- 3
Log spends in seconds
Type, speak, or paste your bank's transaction text and let AI categorize it.
- 4
Set your monthly budgets
Add the categories that matter and track them — now on whatever phone you (or your partner) carry.
Who should — and shouldn't — pick Rilio
- You're on Android, or share money across iPhone and Android
- You don't want to pay $95/yr
- You'd rather not link a bank account
- You want simple, fast, private tracking
- You occasionally split costs with friends
- You're all-Apple and want the most polished design
- You want built-in investment tracking
- You love Copilot's automation and are happy to pay for it
Copilot Money alternative — FAQ
Is Rilio the right Copilot Money alternative for you?
Copilot Money is one of the most beautiful budgeting apps out there — as long as you're on Apple and comfortable paying $95/yr and linking your bank. If you're on Android, splitting money across platforms, or just want something cheaper and private, Copilot has no native app for you and Rilio does: both platforms, $4.99/mo, no bank login. Pick Copilot for Apple polish; pick Rilio for reach and value.
Know where your money actually goes
The private, no-bank-login expense tracker. Log a spend in five seconds; the AI does the rest.
7-day free trial · No bank login, ever · On iOS & Android
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Last reviewed 2026-07-07. Competitor pricing and availability can change — verify on the provider's site.