Kemback vs Copilot Money

The verdict

Choose Copilot Money if your household is all on Apple devices, you want transactions and investments updating on their own, and you like AI help with categorizing. It’s a carefully designed app, and $95 a year buys a lot of polish.

Choose Kemback if anyone in your household uses Android or Windows, if each partner should have their own sign-in and their own private accounts, or if you want envelope budgeting and a free plan. The trade-off: you import bank files until Kemback’s Plus plan brings sync, and Kemback doesn’t track investments or use AI.

Who Copilot Money is for

Copilot is built for Apple users. It runs on iPhone, iPad, Mac and the web, and connects to more than 10,000 US institutions, mostly through Plaid and also through Mastercard, MX, Akoya and direct integrations. Investments update during the day, it offers AI categorization and an AI assistant, and it integrates with Amazon and Venmo.

Budgets are category budgets built from your past spending, with optional rollovers. Copilot’s own help centre says it isn’t built specifically as a zero-based budgeting tool. It costs $13 a month or $95 a year after a one-month trial, is US only and works in US dollars.

Who Kemback is for

Kemback is for households that want depth, sharing and a free plan, on whatever devices they already own. It runs in any browser at kemback.com, with an iPhone app in beta that works offline for accounts, the register and the budget. Android and Windows apps are in development.

The Free plan includes unlimited accounts and transactions, a register with splits, linked transfers and statement reconciliation, rules that rename payees and set categories, a review inbox, bills on a calendar with a warning when a bill or subscription goes up, safe to spend, a 90-day projected balance, savings goals, and net worth and spending reports.

Sharing with a partner

This is the clearest difference between the two. Copilot shares your account by sending a link to your own sign-in, and every signed-in device has full control. That’s simple, and fine for a couple who share everything.

Kemback treats a household as several people. Each person has their own sign-in and a role: owner, editor, viewer, or advisor for an accountant who needs view-only access. Any account can be shared or private, so a personal card or a side business stays with its owner while the joint budget still adds up. The household keeps a tamper-evident activity log. The Free plan covers two people; Plus is planned for up to six.

Budgeting: rollovers or envelopes

Copilot’s budgets start from what you’ve spent before and let unspent amounts roll over. Kemback has a category mode, where you set a monthly plan per category and compare spending against it, and an envelope mode in which every dollar of income is assigned before you spend it. You can switch modes at any time without losing anything. If you’ve wanted zero-based budgeting, Kemback’s envelope mode is built for it.

Moving from Copilot Money to Kemback

Kemback has no dedicated Copilot wizard, but Copilot’s export gets your history across:

1. In Copilot, export all your transactions as a CSV file. If the file covers several accounts, split it by account in a spreadsheet first.
2. Create a free Kemback account.
3. Import each CSV file into its account. Kemback’s column mapper lets you say once which columns hold the date, amount, payee and memo, and can save the mapping.
4. Categories don’t come across in a CSV import, so add rules that rename payees and set categories. Then check each account’s balance against your bank.

After that, download OFX, QFX or CSV files from your bank to stay current. Kemback skips anything it has already seen, so overlapping files don’t create duplicates.

Bottom line

Copilot is the more automatic, more polished app for an all-Apple household, with sync, investments and AI today. Kemback is free, runs in any browser, gives each partner their own login and private accounts, and offers envelope budgets. Automatic sync is coming with Plus, which isn’t on sale yet; there’s a waitlist on the pricing page.

Questions

Is Kemback a free Copilot Money alternative?

Yes, for budgeting and tracking. Kemback's Free plan has no time limit and includes budgets, a register, bills, reports, rules, import and export. It doesn't have automatic bank sync, investment tracking or AI categorization, which Copilot has.

Can I use Kemback on Android or Windows?

Yes, in a browser: Kemback runs at kemback.com on any computer or phone. Native Android and Windows apps are in development. Copilot runs on iPhone, iPad, Mac and the web, without an Android or Windows app.

Can I bring my Copilot history to Kemback?

Yes. Export all your transactions from Copilot as a CSV file, then import it into Kemback, matching the date, amount, payee and memo columns once with the column mapper. Categories don't come across in a CSV import, so rules fill them in.

Can my partner have their own login?

In Kemback, yes: each person signs in separately, with a role such as editor or viewer, and any account can stay private. Copilot shares your own sign-in through a link, and every signed-in device has full control.

Does Kemback categorize transactions automatically?

With rules you set: a rule can rename a payee and set a category, and it runs on every import. Kemback doesn't use AI categorization.