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Treasury vs Copilot
The honest comparison — and why people switch from Copilot.
Copilot's AI assistant is an iOS-only beta you have to join a waitlist for — and it has no memory of who you are.
Copilot is a design-forward, Apple-focused tracker with best-in-class per-user categorization — its AI assistant is still an iOS-only, waitlisted beta. Treasury is an AI money coach and personal-finance command center that answers your money questions in plain English.
Bottom line: Treasury is the AI-first Copilot alternative — an AI money coach at $12.99/mo (or $95/yr). Copilot still wins in places — Beautiful native iOS / iPad / Mac apps, for one.
Beautiful — if you're all-in on Apple.
Copilot is a gorgeous tracker, but its AI is still a waitlisted beta and it barely runs outside Apple. Treasury ships a real AI advisor everywhere.
AI advisor
Treasury — shipped on web + iOS, remembers you across sessions.
Copilot — iOS-only waitlist beta, with no memory between chats.
Where it runs
Treasury — full-featured on the web, iPhone and iPad.
Copilot — iPhone, iPad, Mac; limited web; no Android after years of promises.
Why people switch from Copilot to Treasury
A shipped AI money coach
Treasury’s AI advisor is live for everyone and remembers your goals and past questions across sessions.
AI still in beta
Copilot’s assistant is an iOS-only, waitlisted beta with no memory between conversations.
Categorization you can manage
Treasury learns your categories and lets you see and edit the rules.
Black-box rules
Copilot's ML rules are a black box and can silently override the corrections you make.
Works on the web
Use Treasury from any device, not just Apple.
Apple-only
No Android after a 2023 promise, and the new web app is missing Goals, Cash Flow, and more.
Multiple budgets
Tag one transaction across separate budgets — personal, wedding, business — at once.
Single monthly budget
A one-budget model — 348+ user requests ask for more.
Treasury vs Copilot, feature by feature
| Feature | Treasury | Copilot |
|---|---|---|
| Price | $7.92 /mo $95/yr | $7.92 /mo $95/yr |
| AI Financial Advisor Chat with your finances, get personalized answers | Yes | Partial |
| AI Memory & Context Remembers your goals, patterns, and past conversations | Yes | No |
| AI Auto-Categorize ML learns your custom categories, not just presets | Yes | Yes |
| Turbo Review Keyboard shortcuts for rapid transaction categorization | Yes | No |
| Multiple Budgets Independent budgets per life chapter (wedding, trip, etc.) | Yes | No |
| Net Worth Tracking | Yes | Yes |
| Subscription Detection | Yes | Yes |
| Auto Bank Sync | Yes | Yes |
| Bank Connections | 12,000+ | 10,000+ |
| Platforms | Web, iPhone, iPad | iPhone, iPad, Mac, Web (limited) |
Monthly figures are the effective rate on an annual plan, where one is offered.
Where Copilot is the better pick
No tool wins for everyone. Choose Copilot if you need:
Treasury vs Copilot questions.
Is Treasury a good Copilot alternative?
Yes — especially if you want a shipped AI advisor (Copilot’s is still a waitlisted, iOS-only beta with no persistent memory), categorization rules you can see and manage, or a full-featured web experience. Treasury runs fully on the web; Copilot’s web app is limited and there’s still no Android.
Does Copilot have an AI chat advisor?
As of April 2026, Copilot has “Your Money Assistant” — but it’s an iOS-only, waitlisted beta with no persistent memory across sessions. Treasury’s AI money coach is fully shipped on web and iOS, remembers your goals across every session, and scored 86 on TreasuryBench.
How much does Treasury cost compared to Copilot?
Both are $95/year. Treasury adds an AI advisor, multi-budget tagging, and web access for the same price.
Can I fix Treasury’s categorization?
Yes. Unlike Copilot’s invisible rules, Treasury’s AI learns from your corrections and lets you see and manage how it categorizes.
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