A Copilot Money alternative without a bank link: Sorayli vs Copilot

Copilot Money and Sorayli both show you where your money went. They get there from opposite ends. Copilot connects to your bank and card accounts and pulls in their transactions for you. Sorayli never connects to a bank: you scan a receipt, type a purchase or import a file, and it records each item on the receipt with its own category. That one difference decides most of what follows.

Copilot's column below comes only from Copilot's own website and help center, read on September 28, 2026, with its price, devices, currencies and export checked again on October 6, 2026. Where its pages say nothing about something, we say so rather than guess. Sorayli is not affiliated with Copilot Money.

01Copilot Money alternative at a glance

02Feature by feature

03One receipt, seen two ways

The difference is easiest to see on a single shopping trip. Here is a mixed basket from a corner store: food, toiletries, a charger and a birthday card.

A bank feed sees one thing: a $44.68 card charge from Harbor Street Market on September 12. Copilot would pull that in, give it one category, and learn from how you recategorize it. If you want the charge divided, Copilot lets you split it across categories yourself, setting each part's amount with the receipt in your hand.

Sorayli starts from the paper. A scan reads all eight lines and saves each item as its own transaction with its own category, so the $12.93 of food is filed under Food & Dining and the charger under Shopping. It also reads the coupon, the tax and the total, and uses them to check that the receipt adds up. You can change any item's category before you save.

That matters most for the stores where one trip covers several kinds of spending: supermarkets, pharmacies, big-box stores. It matters least for a streaming bill or a rent payment, where one charge is one thing and a bank feed already says everything a receipt would.

04What each costs for a year

Billed yearly, Sorayli Pro costs $25.01 less than Copilot: $69.99 against $95. Billed monthly, the gap is $36.12 over a year: $119.88 against $156. Copilot has no free tier; it offers a 1-month free trial and a demo you can try before you connect an account. Sorayli's Free plan is not a trial and needs no card to sign up. It includes 10 receipt scans and 10 spending questions a month, 2 budgets, and as many typed-in purchases as you like.

Pro removes the monthly limits on scans and spending questions, with a fair-use cap of 300 scans a month. Family is $17.99 a month or $129.99 a year for up to 5 people, each with a private ledger, sharing a cap of 800 scans a month. Copilot's pages describe sharing through a sign-in link to your own account, which gives the other person full control of it, rather than separate ledgers.

05Where Copilot Money is the better choice

For a lot of people in the US, Copilot is the better fit, and it is worth being plain about when.

• You want your cards and accounts tracked without typing purchases in. Copilot pulls transactions in from over 10,000 US institutions. Sorayli only knows what you scan, type or import.
• You care about balances, investments and net worth. Copilot tracks stocks, crypto and a home's value next to your spending. Sorayli has no accounts at all.
• You want budget rollovers. Copilot can carry unspent or overspent money into the next month. Sorayli's budgets start from zero each month.
• You want account alerts such as a low balance, high credit use or an unusually large purchase. Copilot sends those because it can see your accounts.
• You use an iPad or a Mac. Copilot has apps for both. Sorayli runs on the web, iPhone and Android.
• Most of your spending is single-item charges, bills and online orders, where the bank line already tells the whole story.

06Where Sorayli fits better

• You do not want to link a bank. Sorayli never asks for a bank login and has no connection to one. Our guide to tracking expenses without linking your bank sets out a weekly routine.
• Your bank is outside the US. Copilot says it supports US accounts only and is only in the US App Store. Sorayli does not depend on a bank, so the country does not matter.
• You spend in more than one currency. Copilot works in US dollars and does not convert. Sorayli keeps what you paid in the currency you paid it and converts it to your base currency at a daily rate.
• You want to know what was in the bag, not only what the store charged. Sorayli files each receipt item under its own category.
• You pay cash often. Cash never reaches a bank feed; a receipt or a typed entry is how it gets recorded in either app, and Sorayli is built around that. Our guide to tracking cash spending covers the habit.
• You want to pay nothing, or less. Sorayli has a Free plan, and Pro costs less than Copilot, monthly or yearly.

07Three questions that decide it

You can settle this in ten minutes with last month's bank statement, whichever app you end up using.

1. 1Is every account you spend from at a US bank, and in dollars? If not, Copilot cannot see it, and the choice leans to Sorayli.
2. 2Count the charges from stores where one trip covers different kinds of spending. If there are only a few, a bank feed tells you almost everything. If there are many, each one hides a split you would otherwise have to type in by hand.
3. 3Add up the cash you spent. None of it is on the statement. If it is a real share of your month, you will be entering it by hand in either app, so pick the one that makes that quick.

If the answers point both ways, that is common: a bank feed for bills and a receipt habit for the weekly shop. See how Sorayli compares with a business-expense tool in Sorayli vs Expensify.

08Moving from Copilot Money to Sorayli

Copilot exports all your transactions to a CSV file: on iPhone from Settings, and on iPad, Mac and the web from the Transactions tab. Each row has the date, name, amount, category, account and notes, among other columns. Sorayli's CSV import, on the web and in the iPhone app, finds columns by their headings: Date, Title, Amount, Currency, Type, Category, Description and Notes. Before you import, open the file in a spreadsheet and:

1. 1Rename the Name column to Title.
2. 2Add a column headed Type with expense or income on each row; Sorayli does not read Copilot's Transaction Type column. A row with no type comes in as an expense.
3. 3Make every amount positive. Sorayli needs a positive amount on each row, and the type says which way the money went.
4. 4Leave out Currency if everything is in your base currency; rows without one use it.
5. 5Rename categories that Sorayli does not have, or they come in uncategorized. Columns it does not recognize are ignored.

Your old transactions arrive as whole charges, as they were in Copilot. From then on, scanned receipts are split into items.