Head-to-Head Comparison · Alternative to Copilot Money · 💰 personal finance
Copilot Money vs Wealthfolio
Portfolio, net worth, spending and budgets on your own device; automatic broker sync is the paid convenience. Here is how Wealthfolio ($0/mo open source) stacks up against Copilot Money ($13/mo) across cost, hosting, data privacy, and real-world trade-offs.
Wealthfolio
$0.00/mo · AGPL-3.0
Copilot Money vs Wealthfolio Specification Matrix
facts verified 2026-08-11
| Dimension | Copilot Money (Paid) | Wealthfolio (Replacement) |
|---|---|---|
| Monthly Price | $13 / mo | $0 / mo |
| 1-Year Cost (1 seat) | $156 / yr | $0 / yr (Save $156) |
| 1-Year Cost (5 seats) | $780 / yr | $0 / yr (Save $780) |
| 1-Year Cost (10 seats) | $1,560 / yr | $0 / yr (Save $1,560) |
| Source & License | Proprietary SaaS | open source AGPL-3.0 |
| Where It Runs | Vendor Cloud | Local or hosted (your machine or their cloud) |
| Platforms | Web / Cloud | desktopmobilewebself-hostedone-click install |
| GitHub Stars | — | ★ 8.5k (active aug 2026) |
Deep Dive: Switching from Copilot Money to Wealthfolio
Trade-offs, installation & data architecture
What you trade away
Wealthfolio cannot match Copilot's turnkey US account and card aggregation, automatic categorization, transaction cleanup, and consistently polished mobile-first daily-money workflow without paid sync.
How to deploy Wealthfolio
Native desktop or iOS app, or the official Docker image/Compose deployment for web mode
Where your data lives
Desktop and self-hosted modes use a local SQLite database (the web server exposes a configurable app.db path); optional Wealthfolio Connect and encrypted device sync send selected holdings/account data through the vendor service.
Why fork Wealthfolio instead of vibe-coding a Copilot Money clone?
A beautiful spending dashboard can be vibecoded, but Copilot's bank/investment sync, categorization, native Apple apps, and data-security posture are the product.
Copilot Money vs Wealthfolio FAQ
Is Wealthfolio a good free alternative to Copilot Money?+
Yes. Wealthfolio is a verified open-source (AGPL-3.0) replacement for Copilot Money. Portfolio, net worth, spending and budgets on your own device; automatic broker sync is the paid convenience.
What is the catch when switching from Copilot Money to Wealthfolio?+
Wealthfolio cannot match Copilot's turnkey US account and card aggregation, automatic categorization, transaction cleanup, and consistently polished mobile-first daily-money workflow without paid sync.
How much do you save switching from Copilot Money to Wealthfolio?+
Copilot Money costs $13/mo ($156/yr) per seat, whereas Wealthfolio is $0/mo. Switching saves $156/yr for a solo user, $780/yr for a 5-person team, and $1,560/yr for a 10-person team.
How do I install or self-host Wealthfolio instead of Copilot Money?+
Install: Native desktop or iOS app, or the official Docker image/Compose deployment for web mode.
