Comparing money apps? Here's where Skycopia fits.
Mint, Rocket Money, YNAB, Copilot Money, and Monarch are all real, capable apps — and none of them are trying to do what Skycopia does. Skycopia is a free, purpose-built subscription audit: find every recurring charge, get the exact cancel steps, and get alerted if a cancelled service quietly bills you again.
Free audit · Takes about a minute · Read-only bank access via Plaid · No credit card
Real numbers from one user's own account, July 2026 — yours will vary.
Here's what the audit finds
A sample household's audit — demo data, not a real account. It flagged $2,159/yr in likely waste across unused apps, price hikes, and overlapping services:
- Peloton Appunused 4 mo$528/yr
- LinkedIn Premiumunused 5 mo$480/yr
- Planet Fitnessunused 3 mo$300/yr
- Audibleunused$179/yr
- Netflix Premiumprice ↑ 15%$276/yr
- The New York Timesprice ↑ 21%$204/yr
- HBO Maxoverlaps Disney+$192/yr
One user's own audit flagged $19,207/yr across 62 recurring charges — real numbers, July 2026. Yours will vary; that's the point.
Five apps, side by side
| App | Price | Platforms | Finds subscriptions | Cancellation help |
|---|---|---|---|---|
| Skycopia | Free — full audit, no card | Web-based, any device | Yes (Plaid, read-only) — dedicated audit | Step-by-step playbook + re-charge alerts |
| Mint (→ Credit Karma) | Free (Credit Karma) | iOS, Android, web | Credit Karma dropped Mint's dedicated subscription tracking | Not a feature |
| Rocket Money | "Pay what you want" $6–12/mo for premium | iOS, Android, web | Yes (bank connection) | Concierge cancels for you on paid tiers, 35–60% cut of savings |
| YNAB | $109/yr or $14.99/mo (34-day trial, no free tier) | iOS, Android, web | Syncs transactions, no dedicated subscription-finder | Not a feature |
| Copilot Money | $95/yr (1-month trial, no free tier) | iPhone, iPad, Mac, web — no Android | Yes — AI-tagged transactions surface forgotten subscriptions | Not a feature |
| Monarch | $14.99/mo or $99.99/yr (Plus: $199/yr); 7-day trial, no free tier | iOS, Android, web, desktop | Yes — automatically detects recurring subscriptions | Not a feature |
Each app's details reflect its publicly documented state as of mid-2026 and may change — see that app's own comparison page below for the full breakdown and sourcing. All names are trademarks of their respective owners; Skycopia is not affiliated with any of them.
More free subscription tools
Cancellation guides
Step-by-step cancel steps for 566+ services.
🧮Subscription calculator
Add up what your whole stack really costs.
👯Duplicate checker
Find out if you're paying twice for the same thing.
⏰Free-trial reminder
Know the exact day a trial turns into a charge.
📺Streaming cost calculator
Total just your streaming stack — the fastest-growing slice.
📈Price-hike tracker
See which subscriptions quietly raised their prices.
🔍Find my subscriptions
The full playbook for surfacing every recurring charge.
Skip the trial-and-error. Run the audit.
No separate signup page — create your account below and Skycopia finds every subscription across your accounts, free.
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Up and running in minutes
No accountant required.
Connect your bank
Read-only via Plaid, two minutes — Skycopia pulls up to 24 months of history. Or start with a CSV upload, free.
Rule on your audit deck
Sky lines up every charge that looks off, one at a time, receipts included. Cancel, review, or monitor — the whole deck takes minutes.
Sky stands guard
Follow the cancel playbook, then Protection watches forever — zombie rebills, price hikes, and re-charges get flagged within a day.
That's the whole process — ready to see your own audit?
Run your free auditFAQ
What's the best free alternative to a paid budgeting app?
It depends what you actually use the app for. Rocket Money, YNAB, Copilot Money, and Monarch all have real strengths — bill negotiation, envelope budgeting, AI-tagged budgets, or all-in-one net worth tracking. If what you mainly want is to find and cancel subscriptions you forgot about, Skycopia does that one job for free, with a real cancel playbook and re-charge protection none of the five above build in.
Do any of these apps already find my subscriptions?
Rocket Money, Copilot Money, and Monarch all detect recurring charges as part of their normal transaction tracking, and Mint used to as a dedicated feature before Intuit shut it down. Where all of them stop is the next step: none hand you the actual cancel steps for what they find, and none watch afterward to catch a cancelled service quietly billing you again — the two things Skycopia is built specifically to do.
Is Skycopia trying to replace my budgeting app?
No. Skycopia is deliberately narrow — a free subscription audit, not a full budgeting or net-worth suite. If you want envelope budgeting (YNAB), bill negotiation (Rocket Money), or an all-in-one net-worth dashboard (Copilot Money, Monarch), those apps do that job better. Skycopia is worth running alongside whichever one you pick, or on its own if subscriptions are your actual problem.
How much does Skycopia cost?
The audit is free — connect your bank and see everything Skycopia finds, no credit card. Pro ($15/month) adds Protection guarding, refund tracking, and the shared household. Insider ($25/month) unlocks everything in beta, including Sky AI chat. See the full plan comparison for what's included at each tier.
Is Skycopia safe to connect to my bank?
Bank access is read-only through Plaid — the same connection used by apps like Venmo and Robinhood. Skycopia can see transactions to find subscriptions; it can't move money. Your transactions are never used to train AI, and there are no advertising or credit-offer partners looking at your data.
See what you're paying for — free
Connect your bank read-only and Skycopia finds every subscription, forgotten trial, and price hike, with the cancel steps for each. No card, no ads on your data.
One user's own audit flagged $19,207/yr — real numbers, July 2026. Yours will vary; that's the point.
Run your free audit