Looking at Copilot Money? Try a free subscription audit first.
Skycopia is a free Copilot Money alternative for subscription tracking — it audits every recurring charge on your bank, gives you the cancel steps, and protects you from re-bills, on any device including Android. Copilot Money is a well-built $95/yr budgeting and net-worth app for iPhone, iPad, Mac, and web; if all you actually want is to stop paying for subscriptions you forgot about, Skycopia does that one job for free.
☁️Hi, I'm Sky. I don't do net worth or budgets — just the recurring charges you forgot to cancel.
Free audit · 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.
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One sample audit flagged $2,159/yr — see yours in about a minute.
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Skycopia vs Copilot Money
| Feature | Skycopia | Copilot Money |
|---|---|---|
| Free to use | Yes — full audit, no card | No — 1-month trial, then $95/yr (~$7.92/mo) |
| Works on Android | Yes — web-based, any device | No — iPhone, iPad, Mac, and web only |
| Finds recurring charges from your bank | Yes (Plaid, read-only) — dedicated subscription audit | Yes — AI-tagged transactions surface forgotten subscriptions |
| Cancellation guidance | Step-by-step playbook for each service | Not a Copilot feature |
| Re-charge protection | Alerts if a cancelled service bills you again | Not a Copilot feature |
| Net worth & investment tracking | Not the focus — subscriptions and recurring spend | Yes — stocks, crypto, real estate, live performance |
| Budgeting | Spending view focused on recurring charges | Automated AI budget tagging with rollover |
| Shared household / couples | Yes — attributed decisions (who cancelled what) | Not built around shared households |
Copilot Money details reflect its publicly documented state as of mid-2026 and may change. Copilot Money is a trademark of its respective owner; Skycopia is not affiliated with it.
What Copilot Money doesn't do
Copilot surfaces recurring charges as part of its AI-tagged budget, which is genuinely useful. But it stops at detection — there's no built-in path from "here's a forgotten subscription" to "here's exactly how to cancel it," and nothing watching to make sure a cancelled service doesn't quietly start billing you again.
Skycopia is built around that specific gap: connect your bank read-only, get every recurring charge surfaced with a one-tap cancel playbook, and have each cancellation guarded afterward. It won't track your net worth or your portfolio — but for the subscription side of what Copilot does, it's free, purpose-built, and works on Android too.
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🔍Find your subscriptions
See every recurring charge hiding in your bank history.
✂️Cancel Copilot Money
Step-by-step steps to cancel your Copilot Money subscription.
📖Cancellation guides
Step-by-step cancel steps for 566+ services.
⚖️Compare all alternatives
See Skycopia vs 5 budgeting apps, side by side.
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 difference between Skycopia and Copilot Money?
Copilot Money is a paid ($95/yr), AI-driven budgeting and net-worth app built for iPhone, iPad, Mac, and web. Skycopia is a free, focused subscription audit that works on any device with a browser: it finds every recurring charge, hands you the exact cancel steps, and guards each cancellation so a merchant can't quietly re-bill you — things Copilot doesn't do.
Does Copilot Money have an Android app?
No — as of mid-2026, Copilot Money is available on iPhone, iPad, Mac, and web only, with no Android app. Skycopia is web-based, so it works the same on any phone, including Android.
Is Copilot Money worth $95 a year?
If you want AI-tagged budgeting, rollover budgets, and one dashboard for your bank accounts, brokerages, crypto, and real estate, Copilot's net-worth tracking genuinely goes further than Skycopia. If what you actually want is to stop paying for subscriptions you forgot about, Skycopia does that specific job for free, with cancellation help Copilot doesn't offer.
Can Skycopia replace Copilot Money?
Not entirely, and it doesn't try to. Skycopia deliberately stays focused on subscriptions and recurring spend rather than replicating Copilot's investment and net-worth tracking. If full wealth tracking across stocks, crypto, and real estate is what you need, Copilot (or a similar app) will serve that better.
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