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Head to head · Budgets · October 2026 research run

Copilot Money vs Hiatus

Copilot Money scores 16.3 (F) on agent readiness against Hiatus's 14.3 (F), and leads in 4 of 7 scored categories. Hiatus leads on reliability. Both do budgets.

Best subscription, bill and budgeting tools for AI agents · All 43 personal finance comparisons

Copilot MoneyCopilot Money, Inc. · Platform F16.3/100#1049 of 1076 HiatusHiatus Inc. · Platform F14.3/100#1054 of 1076

Which one, for what

Copilot Money F

Best for Apple users who want budgets, investments and recurring bills in one app.

Ahead on

  • Schema & documentation, 10 against 0
  • Security & auth, 8 against 0
  • Maintenance & community, 60 against 54
  • Transparency & trust, 52 against 47

Watch for

No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only.

Hiatus F

Best for People who want subscriptions found and bills negotiated for them.

Ahead on

  • Reliability, 15 against 5

Watch for

No public API or MCP server an outside agent can call.

Score by category

CategoryWeight this runCopilot MoneyHiatusEdge
Reliability16%20515Hiatus +10
Performance10%pendingpendingpendingnot scored in this run
Schema & documentation13%16.2100Copilot Money +10
Agent ergonomics13%16.200even
Security & auth14%17.580Copilot Money +8
Payments & pricing10%12.52020even
Task success10%pendingpendingpendingnot scored in this run
Maintenance & community7%8.86054Copilot Money +6
Transparency & trust7%8.85247Copilot Money +5
Negative events≤1500
TotalF 16.3/100F 14.3/100

Facts side by side

FactCopilot MoneyHiatus
KindPlatformPlatform
VendorCopilot Money, Inc.Hiatus Inc.
Hosted endpointno (local only)no (local only)
Transports
AuthOAuth or keyOAuth or key
PricingPaidFreemium
x402nono
LicenceClosed service under the Copilot Money Terms of Service (Copilot Money, Inc.).Closed service under the Hiatus Terms of Use (Hiatus Inc., a Delaware corporation).
Read-only variant documentedyesno
llms.txtyesno
Last release2026-10-082026-10-06
Terms last updated2026-05-062026-02-27
Privacy policy last updated2026-05-062026-02-27
Customer content may train modelsyesnot found in the text
Terms restrict automated accessyesyes
Terms restrict benchmarkingyesnot found in the text
Terms or service can change without noticeyesyes
Arbitration or class-action waiveryesyes

Verdicts

Copilot Money

Copilot Money is a subscription budgeting app with a dated public changelog, a published disclosure policy and iOS releases every few weeks. There is no public API, and its MCP server, read-only and in beta since 15 May 2026, is open only through a waitlist, with no public documentation of its tools or connection.

Hiatus

Hiatus covers subscription tracking, cancellation and bill negotiation for people, with dated terms and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today, no developer or partner page, and the terms forbid automated access. Premium prices appear only as App Store in-app purchases.

Before you call either

Copilot Money

  1. Don't plan to call Copilot Money from another agent. The MCP beta is waitlist-only, so ask the person to join at agent.copilot.money and connect it themselves.
  2. Once connected, expect read-only access to categories, transactions, monthly spend and income, recurrings and tags, per the changelog.
  3. Don't treat unofficial Copilot clients that read the local cache or a browser session as Copilot's interface.

Hiatus

  1. Don't plan to call Hiatus from another agent. There is no public API, so hand subscription and bill tasks to the person in the Hiatus app.
  2. Tell the person bill negotiation and cancellation need Hiatus Premium, bought in the app.

Questions

Which is better for AI agents, Copilot Money or Hiatus?

Copilot Money scores 16.3 (F) on agent readiness against Hiatus's 14.3 (F), and leads in 4 of 7 scored categories. Hiatus leads on reliability.

Other comparisons with Copilot Money or Hiatus

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