A Copilot Money alternative, when Copilot is US-only and USD-only
Copilot is well made and says plainly that it supports US institutions and US dollars only. That makes the alternative question simple: if you are outside that, you are not comparing features, you are looking for a different kind of app.
Stay with Copilot Money if you live in the US, bank with US institutions and keep your money in US dollars, because that is exactly who Copilot is built for and it fills the ledger in for you. Hundo fits if any of your money sits outside the United States or in another currency, because Copilot supports only US institutions and USD: in Hundo each account keeps its own currency, in 166 of them, one net worth adds them all up, and suggestions from your own history fill an entry in one tap.
Copilot Money is one of the best-looking finance apps anyone has built, and the people who like it really like it.
It is also, by its own documentation, for one country and one currency. That makes this comparison unusually clear-cut, so let us do the facts first and the opinions after.
What Copilot says about itselfLink to this section
The price is published. Copilot's pricing page shows $7.92 a month, billed $95 yearly, or $13 a month paid monthly, with a free trial.
The country is published. Its help centre says: "At this time, we only support US financial institutions and as such are only available in the US App Store." (International Currency)
The currency is published. The same article says: "Copilot only supports USD and does not convert foreign currency transactions. Any transactions in other currencies will appear in USD based on the amount received from the data provider."
Credit where it is due: publishing those limits plainly, in the help centre, is more honest than most.
So there are two different questionsLink to this section
If you are in the US, banking in dollars, and you want a connected app, Copilot is a strong choice and the alternatives worth your time are its peers: Monarch, Quicken Simplifi, Rocket Money, YNAB if you want the envelope method. Our Mint guide has that list, and none of them is us.
If any part of your money lives outside the United States, the comparison is not about design. Copilot cannot connect your bank, and a transaction in another currency arrives as a dollar figure it will not convert. That is not a flaw to work around. It is the product's stated scope.
What is Hundo like for money that is not all in dollars?Link to this section
Outside Copilot's map you put the entries in yourself, so two things decide whether an app is worth opening every day: how fast an entry goes in, and whether it treats currencies properly.
Getting entries in. Open "add transaction" and Hundo already shows the entries you are likely to make, ranked from your own history: a subscription on its usual day, a regular bill, a usual amount. One tap fills the name, the amount, the category and the account. You can also photograph a receipt; forward an email receipt to your own address; import CSV, TSV or Excel with column mapping and duplicate detection; or tell the assistant "spent 45 on groceries yesterday" and confirm the draft. The suggestions, typing and file import are free and uncapped; photographs, forwarded email and the assistant are part of Pro. How to keep tracking by hand after the novelty wears off covers the habit side.
Currencies, properly. Each account, asset and budget keeps its own currency, in 166 of them. A transaction can be in a currency its account does not hold, and the rate for that date is stored with it, so old months keep their old rates. Net worth reports in the currency you think in, and can split a period into the part that was the market and the part that was the exchange rate. Which exchange rate to record covers card charges, fees and refunds.
Two free calculators, no account needed, if you want to see the arithmetic first:
- Add up a net worth across several currencies at today's rates.
- See how much of an investment's return was the exchange rate.
What does Copilot do better than Hundo?Link to this section
- Automatic entry. Connected accounts fill the ledger in for you. Hundo has no bank connection, so every entry is one you add. Suggestions make that quick, but nothing here matches automatic entry, and we are not going to pretend otherwise.
- Design. It is a beautifully made app, and taste is a real feature.
- Investment tracking from the source. Holdings that arrive from the broker beat holdings you maintain by hand.
How is Hundo different from Copilot?Link to this section
- Every currency treated as a currency, not converted away or displayed with the wrong symbol.
- One net worth that shows what moved it. Accounts, investments, property, debts and money owed between people add up in the currency you think in, and the chart splits a change into your money and the exchange rate.
- Your usual entries, one tap away. Suggestions from your own history are waiting when you open the form, and one tap fills the whole entry. How to log every expense yourself without it becoming a chore.
- Free forever for the tracker, nothing capped. Pro, the AI assistant and your collectibles, is pay what you want: $36 a year at the floor, $72 if you take the suggested amount, or $8 a month.
- Your own AI assistant, pointed at your own ledger. Hundo publishes an MCP server, so Claude or ChatGPT can read your accounts and draft changes that you confirm. How to connect one.
Copilot Money vs Hundo at a glanceLink to this section
| Copilot Money | Hundo | |
|---|---|---|
| Price | $95 a year ($7.92 a month), or $13 a month | Tracker free forever. Pro is pay what you want from $36 a year (suggested $72), or $8 a month |
| Free option | A free trial | The tracker, free forever with nothing capped |
| Bank connection | Yes, US financial institutions only | None |
| Countries | United States only, and only in the US App Store | No country list |
| Currencies | USD only. Does not convert foreign currency transactions | 166. Each account, asset and budget keeps its own, and each transaction stores the rate for its own date |
| Apps | iPhone, iPad, Mac and web | Web app you can install as a PWA. No app-store app |
| AI assistant | Copilot Assistant is behind a waitlist | Yes, in Pro |
| MCP server | Behind the same waitlist | Yes, in Pro |
Copilot column checked 15 September 2026 against copilot.money and its pricing section, the International Currency help article, and agent.copilot.money.
The short versionLink to this section
Copilot tells you exactly who it is for: someone in the United States, with US institutions, in dollars.
If that is you, use it, and enjoy it.
If it is not, no amount of comparison closes that gap, and what you want is an app built for money that does not sit in one country.
Common questionsLink to this section
Does Copilot Money work outside the United States?Link to this section
No. Copilot's help centre says it supports only US financial institutions and is only available in the US App Store.
Can Copilot Money track money in other currencies?Link to this section
Not as other currencies. Copilot's help centre says it supports only USD and does not convert foreign currency transactions, so they appear as dollar figures from the data provider. Hundo keeps each account, asset and budget in its own currency and stores the rate for each transaction's date.
How much does Copilot Money cost?Link to this section
Copilot costs $95 a year, shown as $7.92 a month, or $13 a month paid monthly, with a free trial. The Hundo tracker is free forever, and Hundo Pro, the AI assistant and your collectibles, is pay what you want from $36 a year, or $8 a month.
Does Hundo connect to banks like Copilot Money does?Link to this section
No. Hundo does not connect to banks, so every entry is one you add, and it keeps that quick: suggestions from your own history fill an entry in one tap, and you can also import a CSV, TSV or Excel file or, in Pro, photograph a receipt, forward an email receipt, or have the assistant draft the entry for you to confirm.