How much does Sheetful cost compared to Copilot Money?

Sheetful is $79/year, which is $16 less than Copilot's $95/year as of August 2026.

Does Sheetful have a free tier?

Yes: 1 bank connection with manual sync. Copilot Money has no free tier.

Does Sheetful work on Android?

Yes. Sheetful works on every device, including Android. Copilot has no Android app.

Does Sheetful use AI to categorize transactions?

No. Sheetful uses 200+ built-in merchant rules over Plaid's categories, with custom rules coming. Copilot offers AI insights and predictions.

Where does your data live with Sheetful?

Your transactions land in a Google Sheet or Excel workbook you own and can export at any time. Copilot keeps your data on its own platform.

Sheetful vs Copilot Money: Which is right for you?

Two different approaches to budgeting: AI-powered automation vs spreadsheet ownership. Here's an honest comparison to help you choose.

Feature comparison

Feature	Sheetful	Copilot Money
Annual Price	$79	$95 (as of August 2026)
Free Tier	Yes: 1 bank connection, manual sync	No
Data Ownership	Your spreadsheet	Their platform
AI Features	200+ merchant rules; custom rules coming	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 August 2026)

Works on every device, including Android. Copilot has no Android app.
Your transactions land in a Google Sheet or Excel workbook you own and can export at any time.
$79/year, which is $16 less than Copilot's $95 as of August 2026.
A free tier that runs on your real transactions, so you can judge the product before you pay.
200+ merchant rules built in, category editing on Premium, and custom rules coming so miscategorized rows are not permanent.

What Sheetful does not do

No native mobile app. Sheetful is a web app, and your spreadsheet has its own apps on every platform.
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.

Sync a bank to Microsoft Excel

Same walkthrough for OneDrive and Excel.

Read the FAQ

Security, data handling, pricing, and cancellation.

Competitor pricing and features as published by each vendor, checked August 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.

Start with the free tier

Start free with 1 bank connection and sync your transactions to your spreadsheet today. Upgrade to Premium when you want unlimited banks and automatic sync.

Get started with Sheetful See pricing

Free tier: 1 bank connection, manual sync. Premium: $79/year, unlimited banks, automatic sync.

14-day free trial. Card required at checkout. After your trial, you will be charged $9.99/month or $79/year, and your subscription renews automatically at that rate until you cancel. A price change takes effect at your next renewal, never mid-cycle. Cancel anytime in Settings; cancel before day 14 to avoid the first charge.