Compare

Copilot Money alternatives without bank sync (2026)

Copilot Money is built around linking your bank accounts. If you’d rather not hand over bank credentials, these are the options, with what each one actually does.

Checked on October 25, 2026 against each company’s own pricing and help pages, linked below. Prices and features change; follow the links before you decide. We make Headroom, so weigh our row accordingly.

Why people look for an alternative

Bank sync runs through data aggregators. It means storing credentials or tokens with a third party, and connections break when a bank changes its login or adds a security step. Some people simply don’t want a company holding a live link to every account they own.

The trade-off is real: without sync, data arrives when you bring it. The apps below handle that differently, from manual accounts to statement imports.

What you’re comparing against

Copilot Money

Price: $95/year or $13/month
Without linking a bank: Built around bank sync (Plaid, Finicity, MX, Akoya). Manual accounts exist, without balance-history import.
Statement files: CSV/XLS import isn’t supported for investment accounts; CSV export is available.
Looking ahead: The cash-flow view reports past months.
Good fit for: People happy to link every account, mostly on Apple devices.

Sources: Pricing · How Copilot gets your data · Manual accounts · Cash flow tab

The alternatives

Headroom (in beta)

Price: Free during the beta; Pro planned at $89.99/year
Without linking a bank: Never asks for bank credentials; there is no sync to turn on.
Statement files: CSV, OFX, QFX, XLSX and PDF statements on the web; screenshots read on your iPhone. You review every row first.
Looking ahead: 12–36 month cash-flow projection with low, base and high cases, built for bonus, RSU, commission and self-employed income.
Good fit for: High earners with lumpy income who want a plan, not a tracker.

Monarch Money

Price: $99.99/year or $14.99/month (Core)
Without linking a bank: Manual accounts are supported.
Statement files: CSV import on the web (account, date and amount columns).
Looking ahead: Net worth and cash-flow forecasting on the Plus plan, web only.
Good fit for: People open to linking accounts who want a forecast on the web.

Sources: Pricing · Manual accounts · Importing transactions · Forecasting

YNAB

Price: $109/year or $14.99/month
Without linking a bank: Unlinked accounts are supported.
Statement files: CSV, OFX, QFX and QIF on the web and iPad.
Looking ahead: Assigns this month’s dollars to jobs; no multi-month projection.
Good fit for: People who want to give every dollar a job each month.

Sources: Pricing · Adding transactions · File import

Lunch Money

Price: $10/month, or pay-what-you-want yearly from $60
Without linking a bank: Manually managed accounts are supported.
Statement files: CSV and PDF statement import on the web, plus an API.
Looking ahead: Projected income and expenses from recurring items.
Good fit for: People who want an API and are comfortable on the web.

Sources: Annual plan minimum · Import transactions · Calendar

ProjectionLab

Price: Free Basic; Premium $129/year
Without linking a bank: No bank sync; you enter balances.
Statement files: It plans with balances; it isn’t a transaction tracker.
Looking ahead: Long-range plans to retirement, including RSU grants and taxes.
Good fit for: Decade-scale planning (FIRE, retirement) rather than this year’s cash flow.

Sources: Pricing · Linking accounts · RSUs

A spreadsheet

Price: Free
Without linking a bank: Nothing to link.
Statement files: Paste in whatever your bank exports.
Looking ahead: Whatever formulas you build and keep up.
Good fit for: People who enjoy maintaining it, until the first bonus or vest breaks it.

How to choose

You want every dollar assigned: YNAB.
You’re planning decades out: ProjectionLab.
You want an API: Lunch Money.
Your pay is lumpy and you want the next 12 months planned: that’s what we’re building Headroom for. Try the bonus take-home or quarterly tax calculator to see how it thinks.