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Big Numbers

Big Numbers vs Copilot Money: which iPhone spending app should you use?

Steven Zhang · October 17, 2026

Short answer: Choose Copilot Money if you want one app for budgets, categories, investments, and net worth across iPhone, iPad, Mac, and the web. Choose Big Numbers if you only want to know how much you spent today, this week, and this month, on your iPhone and in a widget, with nothing to set up. Copilot does far more. Big Numbers does one thing.

At a glance

Big Numbers Copilot Money
Main idea Three spending totals: today, this week, this month Budgets, spending, investments, and net worth in one app
Price Free download, $0.99/week $13/mo, or $95/yr ($7.92/mo)
Free tier Free to download No
Trial Free trial mentioned on the App Store listing; length not published there 1 month, payment method required
Platforms iPhone only (iOS 26 or later) iPhone, iPad, Mac, web
Availability Available on iPhone in the US and Canada US accounts only
Bank connection Connects to 19,000+ US banks Mostly Plaid; Mastercard, MX, Akoya for some banks; direct links for Apple, Capital One, Public, Coinbase
Budgets and categories None to set up Yes, with AI categorization and rollovers
Investments and net worth Not a feature Yes
Widgets Home Screen and Lock Screen: daily, weekly, or monthly total Daily Spending, Budgets, Net Worth, Accounts, Transactions, and more

How they differ

Copilot Money is a complete personal finance app. It sorts transactions into categories with AI, tracks budgets with rollovers, shows cash flow, watches subscriptions, and tracks investments and net worth. It also has a chat assistant in beta.

Big Numbers skips all of that. You connect a bank and see three large numbers. There are no categories, no budgets, and no charts to read. You can hide a transaction from the totals and pick calendar or rolling weeks and months. That is about it, on purpose.

Who should choose Copilot Money

  • You want budgets by category and like reviewing transactions each week.
  • You track investments, crypto, or home value and want net worth in the same app.
  • You use a Mac or iPad and want the app there too.
  • You want more widget types, like budgets or net worth.

Copilot wins on depth, platforms, and features. If you need any of the above, Big Numbers is not a replacement.

Who should choose Big Numbers

  • You tried a budgeting app and stopped opening it.
  • You want one question answered: how much have I spent?
  • You want that answer on your Home Screen or Lock Screen without opening anything.
  • You don't want to sort categories or set budgets.

Big Numbers is a free download on the App Store, with an in-app subscription of $0.99/week. A separate read-only Grok connector is billed on its own Subscribe plans.

FAQ

Is there a simpler alternative to Copilot Money?

Yes. Big Numbers is a simpler option on iPhone. It shows only your daily, weekly, and monthly spending totals and has no budgets or categories.

Does Copilot Money have a free version?

No. Copilot's FAQ says there is no permanent free tier. New users get a one-month free trial.

How much does Copilot Money cost compared to Big Numbers?

Copilot is $13 a month or $95 a year. Big Numbers is a free download with a $0.99/week in-app subscription.

Does Big Numbers work on Mac or Android?

No. Big Numbers is iPhone only. Copilot runs on iPhone, iPad, Mac, and the web. Neither has an Android app.

Which app has a spending widget for iPhone?

Both. Copilot has a Daily Spending widget among others. Big Numbers' widgets show your daily, weekly, or monthly total on the Home Screen or Lock Screen.

Can either app move money?

Big Numbers says it is read-only and never moves money. Copilot describes its integrations as read-only.

Sources

All accessed 2026-10-17.