Premium budgeting app versus net worth tracking. Last reviewed 14 September 2026.
Copilot Money is arguably the best-designed personal finance app on the market, and that deserves to be said first. Its automatic categorisation genuinely learns from your corrections, the iOS and macOS experience is meticulous, and its monthly spending reports are among the best anywhere. If you bank in the United States and your institution is supported, it is an easy recommendation.
The issue outside North America is coverage, not quality. Copilot relies on US bank aggregators, and its institution catalogue is made up of American and Canadian banks and brokers. Without a bank connection the app loses most of its value, because the entire proposition is built on classifying transactions automatically.
eXcenda starts somewhere else. It does not need your bank to be on a list: you can record balances, property, funds and debt by hand and still get a consolidated net worth figure, with financial simulators and macro context on top.
| Feature | eXcenda | Copilot Money |
|---|---|---|
| Coverage | Europe-first, with country-level tax context | United States and Canada |
| Platforms | iOS and Android | iOS, iPadOS and macOS |
| Works without linking a bank | Yes, manual entry is a full mode | Technically yes, but it loses its main strength |
| Property, mortgages and pensions | Part of the balance sheet | Outside the main flow |
| Financial simulators | Compound interest, mortgage and retirement | Not included |
| Macro context | Proprietary Macro Stress Index | Not available |
| Entry price | Free plan for net worth tracking | Paid from day one |
Copilot is a better budgeting app than eXcenda, and there is no point pretending otherwise. It simply solves a different problem in a different market: if you are in Europe and what you want to know is what you are worth and how that is moving, Copilot is not a realistic option and eXcenda is.
You can install it, but its institution catalogue covers US and Canadian banks, so syncing European accounts is not viable in practice. Without syncing, the app loses its core proposition.
Copilot has no Android version. eXcenda runs on both iOS and Android with the same account and the same data.
Copilot is paid from day one, around $13/month or $95/year per its website in September 2026. eXcenda has a free plan covering net worth tracking and the simulators, plus an optional PRO plan.
Download the app, log your assets and liabilities in minutes, and track your true net worth without mandatory Open Banking.