Karchu
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Karchu vs Copilot Money

Copilot is an Apple-flavored budgeting app that emphasizes design and lives primarily on iOS. Karchu is a browser-first analyzer for individuals and teams, works on every device, and stays out of your bank login entirely.

Feature comparison

FeatureKarchuCopilot
iOS app No Yes
Web app on any device Yes Partial
PDF statement import Yes No
OCR for scanned statements Yes No
Direct bank feeds No Yes
Rule-based, retroactive categorization Yes Partial
Team workspaces with roles Yes No
Business workflows Yes No
Starting priceFree trial, then $9/mo$13/mo
Best forStatement analysis, business useiOS budgeting

When Copilot Money is the better fit

  • You are all-in on Apple and want a native iOS budgeting app.
  • You are comfortable connecting bank accounts through Plaid.
  • Design polish is a primary buying factor.
  • Personal finance is the only use case you care about.

When Karchu is the better fit

  • You want a browser-first tool that works on any device.
  • You need PDF or scanned statement support.
  • You want deterministic, editable categorization rules.
  • You need business or accountant workflows and multi-workspace support.

Frequently asked

Does Karchu have a mobile app?

Karchu is a responsive web app that runs in mobile browsers. A dedicated native app is not on the roadmap; the web version already handles uploads and dashboards on phone-sized screens.

Which is cheaper?

Karchu paid plans start below $10/month. Copilot is around $13/month. Karchu offers a 30-day free trial with no credit card.

Popular bank statement analyzers

Bring a real statement to see how Karchu handles it. These bank pages walk through export steps and quirks for the most searched banks in this comparison's market.

See Karchu on your own statement

30-day free trial. No credit card. Upload a CSV, Excel, or PDF and get categorized results in minutes.