Copilot Money alternatives: 4 free & open-source picks
Curated, verified, and actually free. No trials, no crippled tiers. Star counts and last-activity dates checked by hand, not scraped and forgotten.
Portfolio, net worth, spending and budgets on your own device; automatic broker sync is the paid convenience.
licenseAGPL-3.0
runsyour machine or their cloud
installNative desktop or iOS app, or the official Docker image/Compose deployment for web mode
dataDesktop 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.
vs Copilot MoneyWealthfolio 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.
setupno real blockers; verified to install clean
facts verified 2026-08-11
Spending, budgets and investments in a serious double-entry desktop; simplicity did not make the balance sheet.
licenseGPL-2.0+
runson your machine
installNative desktop installer or operating-system package
dataThe default book is a local compressed XML .gnucash file; SQLite, MySQL, and PostgreSQL backends are optional, but the documentation warns that database storage does not make GnuCash a true multi-user application.
vs Copilot MoneyGnuCash demands double-entry bookkeeping and manual imports, giving up Copilot's automatic account aggregation, approachable categorization, mobile polish, and unified investment dashboard.
setupno real blockers; verified to install clean
facts verified 2026-08-11
A local ledger with budgets, reports and investments; the interface has no subscription budget.
licenseGPL-2.0
runson your machine
installNative or portable desktop package for Windows, macOS, or Linux; mobile builds are also published
dataAccounts and transactions live in a user-chosen local SQLite .mmb database, with optional database encryption; CSV, QIF, and other interchange formats are available.
vs Copilot MoneyMoney Manager Ex is a manual desktop ledger with a dated interface, not Copilot's automatically synced, mobile-first view of spending, investments, subscriptions, and net worth.
setupno real blockers; verified to install clean
facts verified 2026-08-11
Budgets, investments and cash-flow forecasts on the desktop; delight was not in the KDE requirements.
licenseGPL-2.0+
runson your machine
installInstall a distribution package, Flatpak/AppImage, or the published Windows/macOS desktop build
dataThe normal .kmy file is compressed XML on the user's disk and can be GPG-encrypted; KMyMoney also supports SQL storage and imports such as QIF, OFX, and GnuCash XML.
vs Copilot MoneyKMyMoney's desktop workflow and uneven bank connectivity are much less automatic and polished than Copilot's account aggregation, categorization, subscription detection, and mobile net-worth view.
setupno real blockers; verified to install clean
facts verified 2026-08-11
last updated 2026-08-11 · no votes, no pay-to-list · just what's real
| tool | license | running it | platforms | stars | active |
|---|---|---|---|---|---|
| Wealthfolio | AGPL-3.0 | one-click install | web, macos, windows, linux, ios, self-hosted | 8,500 | 2026-08 |
| GnuCash | GPL-2.0+ | one-click install | macos, windows, linux | 4,300 | 2026-06 |
| Money Manager Ex | GPL-2.0 | one-click install | macos, windows, linux, ios, android | 2,200 | 2026-08 |
| KMyMoney | GPL-2.0+ | one-click install | macos, windows, linux | 202 | 2026-07 |
They pay because the app feels native and current financial data appears automatically. If none of that applies to you, any pick above saves $156 a year.
Is there a free alternative to Copilot Money?
Yes: Wealthfolio, GnuCash, Money Manager Ex and 1 more. Every tool on this page is either open source or genuinely free to use long-term: no trials, no crippled tiers.
Should I just build my own Copilot Money?
Our verdict is KINDA. A beautiful spending dashboard can be vibecoded, but Copilot's bank/investment sync, categorization, native Apple apps, and data-security posture are the product. If you'd rather build, the exact one-shot prompt is free at canivibecodeit.com/copilot-money.
