Comparison
Thermal vs Copilot Money
Copilot is a beautifully designed finance app with strong investment tracking. Thermal adds Monte Carlo retirement planning, spending flow visualizations, receipt scanning, and household sharing -- with support for every platform, not just Apple.
| Feature | Thermal | Copilot |
|---|---|---|
| Transaction categorization | ||
| AI auto-categorization | ||
| Custom categories | ||
| Transaction rules (auto-apply) | Limited | |
| Spending flows / Sankey | ||
| Treemap spending visualization | ||
| Budget tracking | ||
| Receipt scanning | ||
| Portfolio tracking | ||
| Multi-brokerage consolidation | ||
| Investment benchmarking | 10 indexes | |
| Tax-lot tracking | ||
| Monte Carlo simulation | 10K runs | |
| Retirement planning | Comprehensive | Basic 401k calc |
| Withdrawal strategies | 8 | |
| Spending-to-retirement bridge | ||
| Net worth tracking | ||
| Household / couples support | ||
| Android support | Web (any device) |
Why switch from Copilot?
Monte Carlo retirement planning instead of a basic calculator
Copilot offers a basic 401k payout estimator. Thermal runs 10,000 Monte Carlo simulations across eight withdrawal strategies, models Social Security timing, Roth conversion ladders, and tax-aware drawdown sequencing. If you're thinking about retirement, even decades from now, Thermal gives you the tools Copilot doesn't have.
Spending flow diagrams that reveal where your money goes
Copilot has clean charts, but no Sankey flow diagrams or treemap spending visualizations. Thermal's Sankey diagram traces money from income sources through spending categories, making invisible leaks obvious. The treemap lets you see the proportional weight of every category at a glance.
Household support and broader platform reach
Copilot is designed for individual use on Apple devices. No household or partner sharing, and no Android app. Thermal works on any device with a browser, supports household sharing for couples managing finances together, and includes receipt scanning for capturing paper expenses.
Ready to go beyond transactions?
Everything Copilot offers, plus retirement planning, spending flow diagrams, and household support. One dollar more per month.
Try Thermal Free for 14 Days14-day free trial · No credit card required
Frequently Asked Questions
- Can I import my Copilot data into Thermal?
- Yes. Export your transactions from Copilot as CSV and use Thermal's CSV import wizard. Categories are mapped automatically, and you can adjust any that don't align.
- Is Copilot cheaper than Thermal?
- Copilot is $13.99 per month. Thermal's Standard plan is $14.99 per month. For one dollar more you get Monte Carlo retirement planning, eight withdrawal strategies, Sankey and treemap visualizations, receipt scanning, household support, and Android access. The cost difference is negligible; the feature difference is significant.
- Doesn't Copilot already have investment tracking?
- Yes, Copilot has solid investment tracking with portfolio value, performance, benchmarking against 10 indexes, and allocation breakdowns. Thermal matches these features and adds tax-lot tracking across brokerages, which Copilot doesn't offer. Where Thermal goes further is connecting your investment data to Monte Carlo retirement projections.
- Does Thermal work on iOS like Copilot?
- Thermal is a web app designed to work on any device. On iOS, add it to your home screen for an app-like experience. Copilot's advantage is its native iOS and Mac design with Apple-first polish. Thermal's advantage is working on Android, Windows, and any browser.
- What does Copilot do better?
- Copilot has a polished Apple-native experience across iOS, iPad, Mac, and now web. Their investment benchmarking against 10 indexes is more extensive, and their AI categorization is well-tuned. If you're firmly in the Apple ecosystem, want beautiful investment dashboards, and don't need retirement planning or household support, Copilot is an excellent choice.