Copilot Money is, by a distance, the best-looking personal finance app available. The design work is exceptional, the interactions are considered, and its automatic transaction categorization is the sharpest implementation of that idea anyone has shipped. If you have an iPhone and you care about how software feels, you will like using it.
We are not going to pretend otherwise, or invent a category where our design wins. Instead, two questions that a comparison in this genre usually skips: what device are you allowed to be on, and what happens to your data on the way in.
The platform question
Copilot is available on iPhone, iPad, Mac and the web. There is no Android app. For a large part of the world, including most of the market myClerkBook is built for, that is not a preference: it is a wall. A freelancer in Johannesburg, Lagos or Jakarta on an Android phone cannot buy this product regardless of how good it is.
myClerkBook is a web application, which today means it runs anywhere with a browser and installs to a home screen on either platform. That is not us being clever — native apps are on the roadmap and Copilot's are better than the ones we do not have yet. It does mean the answer to "can I use this" is currently yes for everyone.
The data question
Copilot connects your accounts through Plaid, and where Plaid does not reach an institution it uses MX, Mastercard or Akoya. That is four aggregators your financial history may pass through, chosen by connection availability rather than by you. Copilot's own privacy posture is good, and none of this is hidden. It is documented in their help center. But the surface exists, and it exists because the product cannot work without it.
| Dimension | myClerkBook | Copilot Money |
|---|---|---|
| AndroidmyClerkBook | Yes, web app, installable to the home screen | No app |
| Design and polishCopilot Money | Considered, and honestly a step behind | Best in class |
| Aggregators in the pathmyClerkBook | None | Plaid, with MX, Mastercard and Akoya as fallbacks |
| PricemyClerkBook | $5 a month or $50 a year; $10 or $100 for Premium | Around $7.92 a month billed yearly |
| Free trialCopilot Money | 7 days of Premium | 1 month |
| Automatic categorizationCopilot Money | Fields read off documents, with confidence scores, confirmed by you | Learns your patterns and tags transactions on its own |
| Multiple currenciesmyClerkBook | 166, stored as entered and converted daily on Premium | Built around a single-currency user |
| Separate booksmyClerkBook | Up to five, fully isolated from each other | One personal view |
| Native Mac and iOS appsCopilot Money | On the roadmap, not built | Shipped and excellent |
Where Copilot is better
Who each one is for
- Choose Copilot if you are in its supported market, on Apple hardware, tracking personal spending, and you value craft in software highly, which is a completely reasonable thing to value.
- Choose myClerkBook if you are on Android, outside its market, working in several currencies, running more than one set of books, or unwilling to route your financial history through four aggregators to get a nice chart.
- 0
- Bank connections
- 166
- Currencies
- 100
- Parses a day
- 5
- Separate books
No login, no aggregator, no read access. Architectural, not a setting.
Stored exactly as entered, converted daily on Premium.
Receipts, invoices and statements read on Premium. Ten a day on Basic.
Each with its own groups, base currency and alerts, on Premium.
One last thing, and it applies to every comparison on this blog. myClerkBook is not trying to be the product with the most features on the page. It is trying to be the one that never asks you for something it should not need. If automatic bank import is the thing you want most, buy the product that does it well and ignore everything above — that is a real preference and it deserves a real answer rather than a sales rebuttal.