Actual Budget vs Copilot Money
Copilot Money takes the higher SoftwareScore, 76 to 71. That's a real but not decisive edge. Both are scored on the same public formula. See how.
Actual Budget vs Copilot Money: our take
Copilot Money takes the higher SoftwareScore, 76 to 71. That's a real but not decisive edge.
Actual Budget pulls ahead on Ownership and Value (Ownership 10 vs 5), which makes it the stronger pick for privacy and data control.
Copilot Money pulls ahead on Auto and Ease (Auto 9 vs 5), which makes it the stronger pick for people who want something simple.
The clearest divide is Ownership (Actual Budget 10, Copilot Money 5). If that axis is central to how you work, let it settle the choice.
On lock-in, Actual Budget is the safer bet: it scores 10/10 on data ownership to Copilot Money's 5, so weigh how easily you could move your notes out later.