SoloFI vs Copilot
Detailed comparison to help you choose the right financial tool for your freelance business
Copilot is great, but not for freelancers
Copilot is one of the best-designed personal finance apps available. But it treats all income the same—it doesn't understand the unique challenges of self-employment. If you're a freelancer, SoloFI's specialized tools will save you more money.
SoloFI
Financial independence for freelancers
Freebuilt for freelancers
Best for:
- Freelancers and self-employed
- Those focused on tax optimization
- FI-focused solopreneurs
- Anyone with self-employment income
Key advantages:
- Built specifically for freelancers
- Understands SE tax and quarterly payments
- Tax optimization calculators
- S-Corp analysis tools
- Retirement planning for self-employed
- FI-focused features
Copilot
Smart money management app
$10/moor $70/year
Best for:
- People who love great design
- General budgeting and spending tracking
- Investment portfolio monitoring
- Those wanting a modern Mint alternative
Limitations:
- Not designed for self-employed
- No freelancer tax tools
- No SE tax or quarterly payment help
- No retirement optimization for freelancers
- No S-Corp or business structure tools
- Treats all income the same
Feature Comparison
| Feature | SoloFI | Copilot |
|---|---|---|
Bank Account Syncing | coming soon | |
Spending Tracking | ||
Beautiful Design | ||
Investment Tracking | ||
Net Worth Tracking | ||
Budgeting Tools | basic | |
Self-Employment Tax Calc Calculate SE tax on freelance income | ||
Quarterly Tax Estimates | ||
Solo 401k Calculator | ||
S-Corp Analysis | ||
HSA Optimization | ||
FI Number Calculator | ||
Roth Conversion Planning | ||
Business vs Personal Split | ||
iOS App | coming soon | |
Price | Free | $10/mo |
Choose SoloFI if you...
- Have self-employment or freelance income
- Need to estimate quarterly taxes
- Want to optimize Solo 401k contributions
- Are considering S-Corp election
- Focus on financial independence
- Want freelancer-specific features free
Choose Copilot if you...
- Are a W-2 employee (not self-employed)
- Prioritize beautiful app design above all
- Want robust iOS app experience
- Need detailed budgeting categories
- Don't have freelance income