Can I open-source Copilot Money?
YES · mature open-source replacementYes. Firefly III (20k stars), Actual Budget (20k stars), Wealthfolio (9k stars) are mature open-source replacements for Copilot Money — self-host in one command and stop paying $13/mo.
They pay because the app feels native and current financial data appears automatically.
xbank sync
xiOS/Mac polish
xtransaction enrichment
xinvestment tracking
xmobile notifications
xsecurity posture
These projects already replace it, free.
WWealthfolioPortfolio, net worth, spending and budgets on your own device; automatic broker sync is the paid convenience.open source↗GGnuCashSpending, budgets and investments in a serious double-entry desktop; simplicity did not make the balance sheet.open source↗MMoney Manager ExA local ledger with budgets, reports and investments; the interface has no subscription budget.open source↗all 6 open-source alternatives to Copilot Money →· no votes, no pay-to-list · just what's real
Copilot Money pricing
| plan | monthly | annual (per mo) | what you get |
|---|---|---|---|
| copilot money | $13 | $7.92 | All product features; 1 household subscription; no feature-based paid tiers |
free tierno free tier; interactive test drive before signup, then 7-day free trial
billingmonthly + annual (annual $95/year; 39% below monthly)
verified 2026-08-13 · source ↗
Can I open-source Copilot Money?
Yes. Wealthfolio replaces Copilot Money today — self-host it on your own server or machine with no subscription. The full list of open-source alternatives is on this page.
How much does Copilot Money cost?
Copilot Money costs about $13/month (Monthly subscription, checked 2026-07-30), which is $156 per year. That's what you save by replacing it with open source.
What do I lose by replacing Copilot Money?
Honestly: bank sync; iOS/Mac polish; transaction enrichment; investment tracking; mobile notifications; security posture. If any of those are load-bearing for you, keep paying.
Is there an open-source alternative to Copilot Money?
Yes: Wealthfolio (Portfolio, net worth, spending and budgets on your own device; automatic broker sync is the paid convenience.) GnuCash (Spending, budgets and investments in a serious double-entry desktop; simplicity did not make the balance sheet.) Money Manager Ex (A local ledger with budgets, reports and investments; the interface has no subscription budget.) All 6 curated open-source alternatives are at caniopensourceit.online/copilot-money/alternatives.