Choose your tool
SheetLink is better if you…
- Want to pay less ($39.99 a year, against $95 for Copilot)
- Need cross-platform access (Copilot has no Android app)
- Want spreadsheet power for custom analysis
- Use it for business bookkeeping, not just budgets
Copilot is better if you…
- Are an iPhone user who values beautiful design
- Want a polished, guided budgeting experience
- Prefer mobile-first budgeting workflows
- Value UI/UX over price and flexibility
Feature comparison
| Feature | SheetLink | Copilot |
|---|---|---|
| Price | Free (1 bank, last 7 days), Pro $4.99/mo or $39.99/yr | $13/mo or $95/yr |
| Sync method | Manual: you press Sync now | Automatic (background) |
| Free tier | 1 bank, your last 7 days, no expiry | One-month trial only |
| Platform | Chrome + Google Sheets + Excel add-in | iPhone, iPad, Mac and web |
| Android support | In the Google Sheets app (you sync from Chrome on a computer) | |
| Bank sync | Through Plaid | Through Plaid |
| Budgeting approach | DIY in Google Sheets | Guided, category-based |
| Spreadsheet flexibility | Full Google Sheets power, or Excel on Pro and Max | Export to CSV only |
| Business bookkeeping | Personal only | |
| Learning curve | Moderate (you need to know Sheets) | Low (intuitive UI) |
Pricing comparison
| Plan | SheetLink | Copilot |
|---|---|---|
| Free tier | 1 bank, your last 7 days, forever | One-month trial only |
| Monthly | $4.99/mo | $13/mo |
| Annual | $39.99/year ($3.33/mo) | $95/year ($7.92/mo) |
| Annual savings vs monthly | Save $19.89/year (33% off) | Save $61/year (39% off) |
| Annual cost difference | $55/yr less | $55/yr more |
When to choose SheetLink
You want cross-platform access (Copilot has no Android app)
Copilot runs on iPhone, iPad, Mac and the web (its web app launched in late 2025), but there is no Android app. SheetLink works in Chrome on any computer (Mac, Windows, Linux, Chromebook), and your data lives in Google Sheets, which you can open anywhere, Android included. Ideal if you switch between iPhone and Android, or share financial data with a partner on a different platform.
You want spreadsheet power for custom analysis
Copilot has beautiful pre-built budgets and insights, but you’re limited to its features. SheetLink gives you raw transaction data in Google Sheets. Build custom P&L reports, forecasting models, tax categorization or complex multi-year analyses. Far more flexibility than Copilot’s polished but fixed structure.
You need business bookkeeping, not just budgets
Copilot is designed for personal budgeting only. SheetLink works for both personal finance and small business bookkeeping. Freelancers and solopreneurs use SheetLink to track business expenses, categorize transactions for taxes and build simple P&L statements, all in Google Sheets.
You want to save $55 to $116 a year
Copilot costs $95 to $156 a year, depending on billing. SheetLink Pro is $39.99 a year, which saves you $55 to $116 a year. The free tier (one bank, your last 7 days) works forever for weekly tracking.
When to choose Copilot
You’re an iPhone user who values beautiful design
Copilot is one of the most beautifully designed budgeting apps available. The native iOS app is polished, fast, and feels like it belongs on your iPhone. If you live in the Apple ecosystem and appreciate thoughtful UI/UX, Copilot’s design is worth the premium. SheetLink’s interface is Google Sheets.
You want automatic insights without DIY work
Copilot automatically detects recurring subscriptions, breaks down Amazon purchases into individual items and provides spending insights out of the box. SheetLink gives you transaction data, and you build everything else. If you’d rather use a finished product than DIY in spreadsheets, Copilot saves significant setup time.
You prefer mobile-first budgeting
Copilot is designed for mobile budgeting: check spending on your phone, review budgets while shopping, get push notifications for large transactions. SheetLink works through Google Sheets, which has mobile apps but isn’t optimized for quick budgeting checks. If you budget mostly on your phone, Copilot’s mobile experience is better.
How to switch from Copilot to SheetLink
Export your Copilot transaction history
Install SheetLink and start on the free tier
Recreate your budget in Google Sheets
Test for 30 days, then cancel Copilot
Questions
What is the main difference between SheetLink and Copilot?
Copilot is a beautiful iOS-first budgeting app with a polished UI and simple workflows ($13 a month). SheetLink uses privacy-first manual sync to bring bank transactions into Google Sheets for DIY budgeting and analysis ($4.99 a month or $39.99 a year). Copilot runs on iPhone, iPad, Mac and the web, with no Android app; SheetLink works in Chrome on Mac, Windows, Linux and Chromebooks. Choose beautiful simplicity, or spreadsheet power with manual control.
Is SheetLink cheaper than Copilot?
Yes, significantly. Copilot costs $13 a month ($156 a year) or $95 a year. SheetLink Pro is $4.99 a month ($59.88 a year) or $39.99 a year, and there’s a free tier for one bank and your last 7 days. Copilot does offer a more polished budgeting experience.
Does SheetLink work on iPhone like Copilot?
SheetLink is a Chrome extension, so it works on any computer with Chrome (Mac, Windows, Chromebook). You can see your data on iPhone through the Google Sheets mobile app. Copilot has a dedicated iOS app that’s more polished for mobile budgeting, plus iPad, Mac and web apps, but there’s no Android app.
Can SheetLink replace Copilot for budgeting?
It depends on your needs. Copilot provides a beautiful, guided budgeting experience with native iOS apps. SheetLink gives you raw transaction data in Google Sheets, and you build your own budgets. If you value UI/UX and mobile-first design, choose Copilot. If you want flexibility and a lower cost, choose SheetLink.
Why does SheetLink use manual sync instead of automatic?
Privacy and control. Manual sync means you decide when to fetch transactions: in Google Sheets and Excel, SheetLink doesn’t continuously access your bank accounts in the background, and it only fetches transactions when you press Sync now. Plaid handles your bank sign-in, so SheetLink never sees your bank credentials, and the Plaid access tokens that link your accounts are encrypted at rest. That means no background monitoring and complete transparency about when your financial data is accessed.