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.
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 the other kind of app looks likeLink to this section
Once bank connections are off the table - because your bank is not in the US, or because you would rather not share a login - an app lives or dies on two things: how fast an entry goes in, and whether it treats currencies properly.
Getting entries in. In Hundo: type the amount first and pick from suggestions ranked out of your own history; 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. Typing and file import are free and uncapped; photographs, forwarded email and the assistant are part of Pro.
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.
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.
Where Copilot stays aheadLink to this section
- Automatic entry. Connected accounts fill the ledger in for you. Nothing here matches that, 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.
Where we are a different answerLink to this section
- No bank connection at all, so there is no country list and no credential to store. Why that is a feature for some people.
- Every currency treated as a currency, not converted away or displayed with the wrong symbol.
- Free forever for the tracker, nothing capped. The AI layer 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.
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.