Loam vs Copilot Money: a Copilot alternative for iPhone and Android

Copilot Money is a polished budgeting app for Apple devices and the web, built around linked US bank accounts. Loam shares its taste for calm design, but runs on Android as well as iPhone, works outside the US, and never sends you a notification.

Feature by feature

	Loam	Copilot
Price
Price	$30 a year or $3 a month	$95 a year or $13 a month
Free trial	30 days, no payment details needed	1 month
Free plan	No, the trial is the free part	No
Ads	None	None in the app
Privacy and your data
Account required	None, not even an email	Yes, Apple sign-in or email
Bank login	Never	Yes, the core flow: Plaid, MX, Finicity or Akoya
Where your data lives	On your phone, plus your own iCloud or Google device backup	Copilot’s servers on Google Cloud, in the US
AI and your finances	Never sees your finances. Only a bank text format Loam has never seen goes out, until Loam learns its pattern	In-house AI categorising and a beta assistant; outside model vendors not named
Analytics and tracking	None	Google Analytics, Amplitude and tracking pixels; ad partners may use identifiers from your hashed email
App lock	Face ID, Touch ID or fingerprint	Face ID; Touch ID or password on Mac
Export	CSV or JSON	CSV of transactions
Getting transactions in
Bank sync	No, by design	Yes, 10,000+ US institutions
Bank text messages	Yes, read on the phone. Automatic on Android; a Shortcut on iPhone	No
Manual entry	Yes	Yes
Voice entry	Siri, without opening the app	Not advertised
Receipt scanning	No	Not advertised
Categorising	Merchant rules you set, suggested once you file a shop by hand twice	Machine learning plus name rules
What it tracks
Credit cards	Yes, with statements and installment plans	Balances; no statement cycles
Deposits and CDs	Yes: interest payouts, floating rates and maturity	As plain linked or manual accounts
Stocks and ETFs	Yes, with average cost and gain	Yes, near real-time estimates
Crypto	Yes, priced for you	Yes, exchange links or manual
Gold and silver	Gold by karat and silver by fineness, priced off spot	Manual cash account only
Property	Yes	Yes, Zillow or RentCast value
Loans and mortgages	Mortgages, loans and installment plans	Yes, linked or manual
Currencies	80, and totals also readable in a steadier one, such as USD	US dollars only
Planning
Budgets	Monthly category budgets, tagged needs or wants	Monthly category budgets with rollovers
Spending insights	Per category, five months back, with what to do	Cash flow and category trends
Net worth over time	No; the forecast looks forward instead	Yes
Long-term forecast	5, 10 or 20 years of your deposits and investments, with your own return per holding	No
Inflation-adjusted view	Consumer prices, monetary debasement and currency devaluation, filled in for you	No
Runway	Yes: months of your budget the assets you choose would cover	No
Savings goals	No goals; a monthly savings target and savings rate	Yes
Recurring charges	Spots monthly charges, their yearly cost and when one goes up	Yes, detected automatically
Everyday use
Apps	iPhone and Android	iPhone, iPad and Mac; no Android app
Web app	No	Yes
Sharing with a partner	No	Not advertised
Notifications	None, ever	Budget, big expense and weekly alerts
Languages	English and Arabic	English
Where it works	Anywhere, with banks that text in English or Arabic	US only

Which should you pick?

Copilot is stronger at	Loam is stronger at
Automatic sync with 10,000+ US banks, cards and brokerages. Native apps on iPhone, iPad and Mac, plus a web app. Automatic home values, savings goals and subscription detection. A partner can sign in to the same account.	An Android app, and the app in English or Arabic, laid out right to left. Works outside the US, in 80 currencies. Copilot is US dollars only. Gold and silver, fixed deposits with interest payouts, and credit card statements with installment plans. Calm by design: no notifications, and a home screen that opens on one number.

Pick Copilot if you are all-Apple, bank in the US and want every account synced. Pick Loam if you use Android, live outside the US, or want an app that never pings you.

More comparisons

Try Loam free for 30 days.

In beta now on iPhone and Android. No account, no bank login, no payment details for the trial. Then $30 a year or $3 a month.

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Copilot Money details are taken from its own website and app store listings in September 2026 and may have changed since. Copilot Money is a trademark of its owner; Loam is not affiliated with it.