# Copilot Money vs Hiatus

> Copilot Money scores 16.3 (F) to Hiatus's 14.3 (F) for budgets. Prices, MCP, x402, uptime and agent notes side by side.

- Canonical: https://www.anchorterminal.com/compare/copilot-money-vs-hiatus
- Markdown: https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.md (~1,900 tokens)
- Slim: https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.min.md (~580 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-14

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.

- Copilot Money: grade F, 16.3/100, rank #1049 of 1076. Markdown https://www.anchorterminal.com/tools/copilot-money.md · JSON https://www.anchorterminal.com/api/v1/tools/copilot-money.json
- Hiatus: grade F, 14.3/100, rank #1054 of 1076. Markdown https://www.anchorterminal.com/tools/hiatus.md · JSON https://www.anchorterminal.com/api/v1/tools/hiatus.json
- Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md
- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md

## Which one, for what

### Copilot Money (F)

Good 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)

Good 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

| Category | Weight | Copilot Money | Hiatus | Edge |
| --- | --- | --- | --- | --- |
| Reliability | 16% (20 this run) | 5 | 15 | Hiatus +10 |
| Performance | 10%, pending | pending | pending | not scored in this run |
| Schema & documentation | 13% (16.2 this run) | 10 | 0 | Copilot Money +10 |
| Agent ergonomics | 13% (16.2 this run) | 0 | 0 | even |
| Security & auth | 14% (17.5 this run) | 8 | 0 | Copilot Money +8 |
| Payments & pricing | 10% (12.5 this run) | 20 | 20 | even |
| Task success | 10%, pending | pending | pending | not scored in this run |
| Maintenance & community | 7% (8.8 this run) | 60 | 54 | Copilot Money +6 |
| Transparency & trust | 7% (8.8 this run) | 52 | 47 | Copilot Money +5 |
| Negative events | ≤15 | 0 | 0 | |
| **Total** | | **16.3 · F** | **14.3 · F** | |

## Facts side by side

| Fact | Copilot Money | Hiatus |
| --- | --- | --- |
| Kind | Platform | Platform |
| Vendor | Copilot Money, Inc. | Hiatus Inc. |
| Hosted endpoint | no (local only) | no (local only) |
| Transports |  |  |
| Auth | OAuth or key | OAuth or key |
| Pricing | Paid | Freemium |
| x402 | no | no |
| Licence | Closed 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 documented | yes | no |
| llms.txt | yes | no |
| Last release | 2026-10-08 | 2026-10-06 |
| Terms last updated | 2026-05-06 | 2026-02-27 |
| Privacy policy last updated | 2026-05-06 | 2026-02-27 |
| Customer content may train models | yes | not found in the text |
| Terms restrict automated access | yes | yes |
| Terms restrict benchmarking | yes | not found in the text |
| Terms or service can change without notice | yes | yes |
| Arbitration or class-action waiver | yes | yes |

## 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.


## For agents

- This comparison as JSON: https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.json, and with the fewest tokens: https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.min.md
- Over MCP at https://www.anchorterminal.com/mcp (no key): `compare_tools {"a": "copilot-money", "b": "hiatus"}`. From a terminal: `anchor compare copilot-money hiatus`
- Each listing in full: https://www.anchorterminal.com/api/v1/tools/copilot-money.json and https://www.anchorterminal.com/api/v1/tools/hiatus.json

## Other comparisons with Copilot Money or Hiatus

- [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md)
- [Emma vs Hiatus](https://www.anchorterminal.com/compare/emma-vs-hiatus.md)
- [Hiatus vs PocketGuard](https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.md)
- [Hiatus vs Quicken Simplifi](https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.md)
- [Hiatus vs Rocket Money](https://www.anchorterminal.com/compare/hiatus-vs-rocket-money.md)
- [Hiatus vs ScribeUp](https://www.anchorterminal.com/compare/hiatus-vs-scribeup.md)
- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-vs-snoop.md)
- [Copilot Money vs Emma](https://www.anchorterminal.com/compare/copilot-money-vs-emma.md)
- [Copilot Money vs PocketGuard](https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.md)
- [Copilot Money vs Quicken Simplifi](https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.md)
- [Copilot Money vs Rocket Money](https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.md)
- [Copilot Money vs Snoop](https://www.anchorterminal.com/compare/copilot-money-vs-snoop.md)
- [Copilot Money vs YNAB](https://www.anchorterminal.com/compare/copilot-money-vs-ynab.md)
- [Hiatus vs YNAB](https://www.anchorterminal.com/compare/hiatus-vs-ynab.md)
- [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md)
- [Hiatus vs Plum](https://www.anchorterminal.com/compare/hiatus-vs-plum.md)