Sheetful vs Copilot Money: Which is right for you?
Copilot leans on AI inside its app. Sheetful puts your transactions in a spreadsheet you own.
Feature comparison
| Feature | Sheetful | Copilot Money |
|---|---|---|
| Annual price | $79 | $95 (as of October 2026) |
| Free tier | Yes, 1 bank connection and a weekly sync | No |
| Data ownership | Your spreadsheet | Their platform |
| AI features | 200+ merchant rules plus your own custom rules | AI insights and predictions |
| Sync frequency | Plaid webhooks + daily schedule (Premium) | Daily |
| Budgeting approach | Build your own | AI-powered suggestions |
| Platform | Google Sheets & Excel (iOS, Android, Mac, Windows, Linux) | iOS, macOS, and web (no Android) |
Annual price
Sheetful
$79
Copilot
$95 (as of October 2026)
Free tier
Sheetful
Yes, 1 bank connection and a weekly sync
Copilot
No
Data ownership
Sheetful
Your spreadsheet
Copilot
Their platform
AI features
Sheetful
200+ merchant rules plus your own custom rules
Copilot
AI insights and predictions
Sync frequency
Sheetful
Plaid webhooks + daily schedule (Premium)
Copilot
Daily
Budgeting approach
Sheetful
Build your own
Copilot
AI-powered suggestions
Platform
Sheetful
Google Sheets & Excel (iOS, Android, Mac, Windows, Linux)
Copilot
iOS, macOS, and web (no Android)
What Sheetful does not do
- No predictive spending models. Sheetful summarizes what already happened.
- Plaid backfills roughly 90 days on connect and syncs forward from there. Older history comes in through CSV import.
- Recurring-charge alerts are a template formula, not a managed subscription-cancellation service.
Want the detail?
Browse the templates
See the sheets before you connect anything.
Sync a bank to Google Sheets
Step-by-step walkthrough of the Google path.
Competitor pricing and features as published by each vendor, checked October 2026. Prices change; check the vendor's own site before you decide. Sheetful is not affiliated with them. Sheetful uses Plaid, Google, and Microsoft APIs and is not affiliated with Plaid, Google, or Microsoft.