Compare

Tare vs Copilot

Copilot tracks spending against limits. Tare gives every dollar you have a job, with separate logins for couples, subscriptions found for you, and a free plan.

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Checked against Copilot's own website and help center on September 28, 2026, and card rewards on October 4. Prices are in US dollars. Sources

Why people switch from Copilot to Tare

  1. 01Every dollar a job, not just a limit

    Start from the money you have, so what's left to spend is always really there.

  2. 02Two people, two logins

    Personal accounts stay private. Copilot shares one account, and a partner gets full access.

  3. 03Subscriptions found for you

    No setting them up one by one. Tare spots them and flags when a price goes up.

  4. 04A free plan

    Copilot has none. Tare's Manual plan is the whole budget, free for as long as you like.

  5. 05Credit card debt with a plan

    Old balances get their own Debt payoff envelope and a date they'll be gone.

  6. 06Try decisions first

    Model a car payment or a big trip on a copy of your budget before you commit.

Side by side

How you budget

TareZero-based: every dollar you have gets a job

CopilotSpending limits per category

Card spending

TareComes straight out of the category. The money to pay the card is set aside for you; there's no payment category

CopilotCounted as spending; card payments are transfers

Old card balances

TareTheir own Debt payoff envelope per card, kept apart from new spending

CopilotNo dedicated tool

Card rewards

TarePicks the best card for every envelope from what your cards earn, and shows what the last 90 days left unearned. With Autopilot

CopilotNo card suggestions or rewards tracking

Next month's money

TareHold it out of Ready to assign until the 1st, or have new income wait for next month on its own

CopilotDoesn't apply: limits cap spending rather than assigning money you have

Subscriptions

TareFound in your spending, with what each costs a year and a note when a price goes up

CopilotRecurrings you create from a past transaction

Looking ahead

TareCash and debt forecast up to 2 years, and what-if scenarios on a copy of your budget

CopilotCash-flow history and upcoming bills

Couples

TareSeparate logins; each account is joint or personal, and personal categories stay private

CopilotOne shared account; a partner gets full access

Bank sync

TareWith Autopilot

CopilotIncluded (US banks)

Free plan

TareYes: the whole budget, entered by hand

CopilotNo

Free trial

Tare35 days of Autopilot; card required

Copilot1 month; card required

Price

Tare$12/month, dropping to $8 the longer you stay ($132 in year one, $96 a year after)

Copilot$13/month or $95/year

If you stop paying

TareYou move to the free plan. Nothing is locked or deleted

CopilotAccess continues to the end of the paid period

Platforms

TareWeb; iOS and Android coming soon

CopilotWeb, iPhone, iPad, Mac

Where they differ most

A limit, or a job

Copilot gives each category a spending limit and shows how you're tracking against it. Tare starts from the money you already have and gives every dollar a job, so what's left to spend is always money that's really there. Want next month covered before it starts? Hold money back for it.

Holding money for next month

Two people, two logins

Copilot shares one account, and a partner gets full access. In Tare each person has their own login, each account is joint or personal, and Tare works out each person's share of the shared bills.

Budgeting together in Tare

Subscriptions found for you

In Copilot, you create a recurring from a transaction that's already happened. Tare finds charges that come back on a schedule by itself, adds up what they cost a year, and tells you when a price goes up.

Subscription watch

Questions

Switching from Copilot

Can I try Tare without signing up?

Yes. The demo budget runs in your browser with no account, and the Manual plan is free with no card.

How do card payments work in Tare?

Card purchases come out of the category you spent from, and Tare sets aside what you need to pay the card. If you carry a balance, it gets its own Debt payoff envelope. More on cards.

Sources

Copilot's own pricing page and help center. Features and prices change; if something here is out of date, tell us and we'll fix it. Copilot is a trademark of its owner, who isn't affiliated with Tare.

More comparisons

Start with the money you have today.

Budget by hand for free, no card needed. Or try Autopilot free for 35 days: $12/month after that, dropping to $8 the longer you stay.

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