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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 — in any browser, Android included.
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Copilot's AI assistant lives in its iOS app. Treasury's works in any browser, for $95 a year.
Copilot is a design-forward, Apple-first tracker with best-in-class per-user categorization and a new AI assistant on iOS. 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 new AI assistant lives in the iOS app and its web app trails the Apple apps. Treasury’s AI money coach works everywhere you do.
AI advisor
Treasury — shipped on web + iOS, remembers you across sessions.
Copilot — out of beta since October 2026, but on iOS only so far.
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
An AI coach on every device
Ask Treasury’s AI money coach on the web or iPhone. It remembers your goals and past questions across sessions.
AI on iOS only
Copilot’s Money Assistant opened to everyone in October 2026, but only on iOS so far. Copilot says more platforms are coming.
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 an AI money coach you can use in any browser (Copilot’s is iOS-only for now), categorization rules you can see and manage, a full-featured web app, or a lower price: $95 a year against Copilot’s $109 limited-time price. 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. Copilot’s Money Assistant left beta in October 2026 and is open to everyone, but only on iOS so far. You can chat with it, and it lines up edits to your budgets, categories and transactions for you to approve. Treasury’s AI money coach works on the web and iPhone, remembers your goals across every session, and scored 95 on TreasuryBench.
How much does Treasury cost compared to Copilot?
Treasury is $95/year or $12.99/month. Copilot is $109/year at its current limited-time price (usually $119) or $18/month. Treasury’s price includes its AI money coach on the web and iPhone, multi-budget tagging, and a full-featured web app.
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.
Related reading
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