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Copilot vs Treasury

Stop reading dashboards. Start getting answers.

Copilot is a beautiful place to see what happened. Treasury tells you what to do next — on Android too.

14-day free trial · cancel anytime

Copilot's AI assistant is still a beta you join through a waitlist. Treasury's is live for every subscriber.

Copilot is a design-forward, Apple-first tracker with best-in-class per-user categorization — its AI assistant is still a beta you join through a waitlist. 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 is built for Apple. Treasury runs everywhere.

Copilot is a gorgeous tracker, but its AI is still a waitlisted beta and its web app trails the Apple apps. Treasury ships a real AI advisor everywhere.

AI advisor

Treasury — shipped on web + iOS, remembers you across sessions.

Copilot — a public beta you join through a waitlist.

Where it runs

Treasury — full-featured on the web, iPhone and iPad.

Copilot — iPhone, iPad, Mac; a web app without Goals or Cash Flow; no Android app.

What Copilot can't do

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 Money Assistant opened as a public beta in April 2026, with access through a waitlist.

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.

Full-featured on the web

Every Treasury feature works in the browser, on any device.

Web app still catching up

Copilot’s web app, launched December 2025, still lacks Goals, Cash Flow, and more — and there’s no Android app.

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 questions

Is Treasury a good Copilot alternative?

Yes — especially if you want a shipped AI advisor (Copilot’s is still a beta with waitlisted access), categorization rules you can see and manage, or a full-featured web experience. Copilot’s web app, launched in December 2025, still lacks Goals and Cash Flow, and there’s no Android app.

Does Copilot have an AI chat advisor?

Yes, in beta. Copilot opened a public beta of its Money Assistant in April 2026, with access through a waitlist; it suggests edits to your budgets, categories and transactions for you to approve. Treasury’s AI money coach is fully shipped on web and iOS, remembers your goals across every session, and scored 95 on TreasuryBench.

How much does Treasury cost compared to Copilot?

Both are $95/year. Treasury adds a fully shipped AI advisor, multi-budget tagging, and a full-featured web app 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.