Actual Budget vs Copilot Money
as AI assistants see them, week of 2026-10-12
Actual Budget and Copilot Money tie overall at 23 out of 100, but they earn it differently. Actual Budget shows up in 18 of 64 answers, leaning hardest on open-source, self-hosted, privacy, and envelope-budgeting questions, where it's named in all 3 answers each. Copilot Money is named more often overall, 22 of 64 answers, and leads on questions about paying for a budgeting app, mobile experience (3 of 3), and 2026's best app. Head-to-head, Copilot Money is named more often across 10 questions versus Actual Budget's 6, with 4 ties. By AI assistant, Claude rates Actual Budget higher (36) while ChatGPT favors Copilot Money (31 vs 20).
Head to head
| metric | Actual Budget | Copilot Money |
|---|---|---|
| score | 20 | 23 |
| questions won | 13 | 17 |
By assistant
Actual Budget
| assistant | score | named in, this week | usual spot, this week |
|---|---|---|---|
| ChatGPT | 17 | 15% of answers | #1.7 |
| Claude | 34 | 45% of answers | #3.7 |
| Gemini | not sampled this week | ||
| Perplexity | 9 | 5% of answers | #1.0 |
Copilot Money
| assistant | score | named in, this week | usual spot, this week |
|---|---|---|---|
| ChatGPT | 23 | 20% of answers | #3.3 |
| Claude | 35 | 55% of answers | #4.2 |
| Gemini | not sampled this week | ||
| Perplexity | 9 | 20% of answers | #4.3 |
Where they differ
Only Actual Budget gets named for
- What's the best open-source or self-hosted budgeting app?
- What's the best budgeting app that works outside the US?
- What are the best alternatives to Copilot Money?
- What's the best budgeting app that works with a spreadsheet?
Only Copilot Money gets named for
- Which budgeting app has the best mobile experience?
- What's the best app to track spending automatically from my bank accounts?
- What's the best app to find and cancel unwanted subscriptions?
- What's the best personal finance app to see all my accounts in one place?
- What's the best app to track net worth and investments alongside a budget?
- What's the best budgeting app for a freelancer or self-employed person?
- What's the best simple budgeting app for someone who has never budgeted?
- What are the best alternatives to Actual Budget?
More comparisons
- Actual Budget vs Goodbudget
- Actual Budget vs Empower
- Actual Budget vs EveryDollar
- Actual Budget vs Rocket Money
- Copilot Money vs Empower
- Copilot Money vs Goodbudget
Not sold on either?
Scores count how often each assistant names a product, weighted by position. How the score works · Full Budgeting apps leaderboard