Only if you bank in the United States, because Copilot Money supports only US banks and dollars. There it sorts your spending automatically and itemises Amazon orders, and it points out subscriptions without cancelling them.
| Stage | Copilot Money | Mind My Money |
|---|---|---|
| Before | You install it from the US App Store and connect your US accounts, mostly through Plaid.1 | You install it on your computer and sign in to your bank yourself, in a browser window it opens. It helps you download the transactions. |
| During | Transactions are categorised automatically. On iPhone, iPad and Mac it can show your Amazon orders item by item, and it spots and monitors subscriptions.2 | It names every payment, including the shop behind a payment your bank only calls Klarna or PayPal, and sorts them. Then it goes through the recurring ones with you and asks whether to keep each. It cancels the ones you say no to in a browser on your computer, and checks the account page afterwards to see that each one took.3 |
| After | Your spending, budgets and subscriptions in the app, kept up to date by the connection. | A report of the month, what changed since the month before, and a running total of what it has saved you, checked against your own statements. |
1 Also Mastercard, MX and Akoya, with "direct integrations with Apple, Capital One, Public, and Coinbase". 2 The Amazon integration excludes Amazon Fresh and Whole Foods. Venmo works through "the emails you forward to us". 3 It names the shop from your own receipts, messages and photos, on your computer, looking only at the few days around each payment.
The checkable parts. Numbers point to the fine print under each table.
| Fact | Copilot Money | Mind My Money | Our reading |
|---|---|---|---|
| Who can use it | US banks and accounts, in US dollars4 | Anyone with a bank they can sign in to in a browser | |
| How it reaches your bank | A connection, mostly through Plaid | You sign in yourself, in a browser on your computer | |
| Runs on | iPhone, iPad, Mac and the web | Your Mac | Copilot Money |
4 "Not available outside the US." It is "only available in the US App Store" and "only supports USD and does not convert foreign currency transactions".
| Fact | Copilot Money | Mind My Money | Our reading |
|---|---|---|---|
| Sorts your spending | Yes, automatically5 | Yes, automatically, and it asks when it is unsure | |
| A payment called PayPal or Klarna | Not something it claims to look up6 | Named from your own receipts, messages and photos | Mind My Money |
| What was in the shopping | Amazon orders, item by item | Yes, from your receipts | |
| Cancels subscriptions | No. It spots and monitors them7 | Yes, once you say yes, and it checks afterwards that it took | Mind My Money |
5 "Copilot Intelligence: handles automatic transaction categorization." 6 It itemises Amazon orders and reads Venmo from forwarded emails. 7 Their site: "Monitor subscriptions including the ones you forgot about." Cancelling is not claimed.
| Fact | Copilot Money | Mind My Money | Our reading |
|---|---|---|---|
| Price | $13 a month or $95 a year8 | Pay what you decide, including nothing | |
| AI subscription | Not needed | Your own Claude, about €18 a month |
8 The US App Store's prices. A one-month trial, and no free tier.
| Fact | Copilot Money | Mind My Money | Our reading |
|---|---|---|---|
| Your transactions | On their servers9 | On your computer10 | Mind My Money |
| Access to your bank | A standing connection through a data provider11 | No connection; you sign in yourself, in your own browser window | Mind My Money |
9 "Copilot's infrastructure is built on the Google Cloud Platform (GCP)." 10 The step that reasons about your spending goes to a model, under your own account with the provider. 11 For Amazon, "we either send your login session from your device's keychain to our backend… or navigate Amazon's orders pages directly on your device".
Every cell above is quoted from Copilot Money's own material and dated. The reading column is ours: our judgement of those cells, not a fact about them. Where a row has no reading, the two are not answering the same question.
Runs on your own computer. Pay what you decide, including nothing.