TallyMap vs
Copilot Money.
two different questions. copilot answers "how am I doing" with budgets, cash flow and net worth, beautifully. tallymap answers "where does it go" with a map. here is the honest side by side.
Side by side
| Copilot Money | TallyMap | |
|---|---|---|
| price | $13/month or $95/year, 1-month trial, no free tier | free to count by hand; Core $3.99/month or $29.99/year, no trial |
| built around | budgets, cash flow, net worth, investments | a map of where you spend, counted in tally marks |
| bank sync | Plaid and Finicity, many accounts | Plaid, Core only |
| platforms | iPhone, iPad, Mac | iPhone (App Clip, iMessage, widgets) |
| where your transactions live | synced through their service so every device agrees | on the iPhone; the server holds the account, subscription and bank connection |
| with friends | no | dares and crews; friends see counts, never amounts |
| without a bank | no | yes, drop strokes by hand, forever free |
| net worth, investments | yes | no |
| category budgets | yes, smart and rollover | weekly caps per place or category, counted in strokes |
Copilot facts as listed on 2026-10-09; check copilot.money before you decide.
Pick Copilot if
- you want one place for budgets, net worth and investments, and you will keep it updated;
- you use a Mac or iPad for money and want the same data everywhere;
- $95 a year is fine for a tool you open every week.
Pick TallyMap if
- the question you keep asking is where, not what category;
- you want your bank data on your phone, not on a service;
- you don't want a bank connected at all, or you want to pay a third of the price for the sync;
- a dare with a friend works better on you than a budget line.
Both apps read your bank through an aggregator, and both depend on what your bank sends. For TallyMap that matters twice: a bank that strips the city from a statement leaves a pin as a "near?" guess until you fix it once. Here is why.
Can you use both?
Yes, and some people will: Copilot for the plan, TallyMap for the map. Nothing in TallyMap needs to replace a budget. It shows you the place behind the number, which is usually the thing that moves.
Get TallyMap for iPhone