Copilot is the best-looking personal finance app on the iPhone, and its AI categorization is the feature people mention first. It was built for a person, on Apple devices, managing a personal life. The moment that person also owns an LLC, Copilot has a business bank account in a personal budget and no idea what to do with it. This page is for the Copilot user who has started a business, or has two, and is trying to decide whether to bend Copilot around it or move.
Prices and features are from each product's published pages as of September 2026.
| Copilot | HaraPro | |
|---|---|---|
| Built for | Individuals on Apple devices tracking spending and net worth | Owners with personal accounts and one or more businesses, trusts or rentals |
| Price | $13 a month or $95 a year | Free for one business; Starter $29 a month; Pro $79; Unlimited $199 (annual 17% less) |
| Platforms | iPhone, iPad, Mac, web; no Android | Web, on any device |
| AI categorization | Yes, learns your patterns | Yes, by entity, with review queue and rules |
| Business books | No; business accounts sync as personal accounts | Yes, per entity: P&L, draws and distributions labelled, CPA access |
| Loans between entities | Not modeled | Each payment linked to the specific loan |
| Tax | Not a tax product | Live forecast across entities |
| Estate | Not covered | Trusts, wills, powers of attorney, directives |
| Trial | One month free | Free tier, no card, no time limit |
Copilot's categorization is fast and gets better with correction, its subscription tracking catches the things you forgot you pay for, and its budgets, rollovers and cash flow views are as good as any on iOS. Net worth pulls in investment accounts, crypto and a Zillow estimate for the home, and the design is the reason people pay for it. For a W-2 household on iPhones and Macs it is a complete product. The reason someone ends up on this page is not that Copilot got worse; it is that their life added an entity.
Three things. Copilot has one set of books, the person's, so the business checking account either pollutes the personal categories (the $4,000 of software the LLC bought is now "Shopping") or gets excluded, in which case the business is missing from the picture. Transfers from the business to the owner are transfers, not draws, salary or distributions, so the personal side never learns which they were, and the tax forecast, if there were one, could not use them. And there is nothing for the business itself: no P&L, no separation of what the LLC spent from what the family spent, no export a CPA would accept. An owner who runs Copilot ends up with QuickBooks or a spreadsheet beside it, and the two never agree. Our guide to net worth when you own a business walks through what the personal-only apps get wrong.
HaraPro puts each business, trust or rental in its own entity with its own accounts and books, and the owner's personal accounts beside them in one login. Its AI classifies transactions inside the entity they belong to, so the LLC's software spend is the LLC's expense, and money crossing between entities or to the owner is labelled as a draw, salary, distribution, reimbursement or loan payment. Loans between entities are tracked as instruments with each payment linked to the note, so the $25,000 your company lent your rental LLC is one loan seen from both sides rather than two mystery transfers. The tax forecast runs live across the entities: estimated payments, S-Corp salary against distribution, deductions by entity. Net worth looks through the entities to what they hold and separates liquid from illiquid. Estate documents are kept against the entities they concern. Our page on personal finance for owners shows the family view.
Copilot is a native Apple app and it feels like one. HaraPro is a web application that works in any browser on any device, which means it runs on Android and Windows, which Copilot does not, and it does not have a native iPhone app, which Copilot does. If the phone is where you do all of your money, that matters, and you should weigh it. Owners tend to do the books on a bigger screen and check the picture on the phone, and the web app covers that.
| Situation | Copilot | HaraPro |
|---|---|---|
| Personal only, Apple devices | $95 a year | Not the right product; Copilot is |
| Personal plus one business | $95 a year, business tracked as personal accounts | Free, one business with books, forecast and net worth |
| Two or three entities | Not designed for it | Starter, $29 a month or $284 a year |
| Up to ten entities | Not designed for it | Pro, $79 a month or $789 a year |
| Unlimited entities, trusts, estate | Not designed for it | Unlimited, $199 a month or $1,989 a year |
Keep Copilot if your finances are personal and your devices are Apple. Add HaraPro's free tier beside it if you have one business and like Copilot for the personal side: the business gets real books and a tax forecast, and Copilot keeps the budget. Move to HaraPro when the second entity, the rental LLC, the trust or the first loan between things you own shows up, because at that point the picture is the entity picture and a personal app cannot draw it. Testing costs nothing: one business is free forever, no card.
For an owner with a business, trust or rental, yes. For a personal-only household on Apple devices, Copilot is the better fit and HaraPro is more than needed.
It can connect one and show it as another personal account. It does not keep separate books for the business, label draws or distributions, produce a P&L or forecast tax.
HaraPro is a web application that works in the browser on any device, including iPhone and Android. Copilot has native Apple apps and no Android version.
Yes. HaraPro's AI classifies each transaction within the entity it belongs to, with a review queue and rules, and labels money that crosses between entities or to the owner.
Copilot is $13 a month or $95 a year. HaraPro is free for one business, then $29, $79 or $199 a month for three, ten or unlimited entities, with annual plans 17% lower.