# Copilot Money > Copilot Money is a personal finance app for iPhone, iPad, Mac and the web that tracks spending, budgets, investments, recurring bills and net worth. It has an AI money assistant and a read-only MCP server in waitlist beta. - Canonical: https://www.anchorterminal.com/tools/copilot-money - Markdown: https://www.anchorterminal.com/tools/copilot-money.md (~5,200 tokens) - Slim: https://www.anchorterminal.com/tools/copilot-money.min.md (~1,230 tokens, same facts, less prose, for token-sensitive contexts) - JSON: https://www.anchorterminal.com/tools/copilot-money.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 ## Overview **Grade F · 16.3/100 · rank #1049 of 1076 · #7 in Subscriptions, bills & personal finance · not agent-ready · not for agents · confidence medium** ## Assessment 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. ## Facts | Field | Value | | --- | --- | | Vendor | Copilot Money, Inc. (https://www.copilot.money) | | Kind | Platform | | Category | Subscriptions, bills & personal finance (https://www.anchorterminal.com/categories/personal-finance) | | Auth | OAuth or key · A Copilot Money account. Accounts connect through Plaid, Mastercard Data Connect or direct OAuth with Capital One, Coinbase, Apple Card and Public (https://www.copilot.money/privacy-and-security). The MCP beta needs a place on the waitlist at agent.copilot.money, and its authentication isn't publicly documented. | | Pricing | Paid (Paid) · $95 a year (about $7.92 a month) with a free trial (https://www.copilot.money/llms.txt). The App Store lists subscriptions at $95.00 a year and $13.00 a month (https://apps.apple.com/us/app/id1447330651, checked 14 October 2026). No statement on whether the trial needs a card, and no separate price for the MCP beta, was found. | | x402 | No · No x402, MPP or L402 found on copilot.money, llms.txt, Dispatch or the terms, checked 14 October 2026. | | Licence | Closed service under the Copilot Money Terms of Service (Copilot Money, Inc.). | | llms.txt | https://www.copilot.money/llms.txt | | Last release | 2026-10-08 | | Surface listed | The Copilot Money app and its MCP beta waitlist, read from copilot.money, llms.txt, Dispatch, agent.copilot.money, the terms, privacy policy and security pages on 14 October 2026. No account was created and the waitlist was not joined. | | Outside agent access | None in public. A read-only MCP server is in beta for people admitted from the waitlist, with no public documentation of its address, authentication or tools. | | What it acts on | Linked bank, card, investment and crypto accounts, budgets, recurring bills, categories and net worth (https://www.copilot.money/llms.txt). | | Bank connections | Plaid, Mastercard Data Connect, and direct OAuth with Capital One, Coinbase, Apple Card (FinanceKit) and Public (https://www.copilot.money/privacy-and-security). | | Company | Copilot Money, Inc. Contact hello@copilot.money, security@copilot.money (https://www.copilot.money/security-policy/). | | Capabilities | finance.budgets, finance.transactions, finance.subscriptions, finance.bills | | Tags | hosted, official, closed-source, paid, ios, macos, web, llms-txt, beta, not-for-agents, waitlist | | JSON | https://www.anchorterminal.com/api/v1/tools/copilot-money.json | ## Score breakdown (methodology v0.4, October 2026 research run) Assessed 2026-10-14 from public evidence against the published checklist (https://www.anchorterminal.com/benchmark/#checklist). Confidence: medium. Performance and Task success pending (no score, not in the total); the total is Σ(score × weight) ÷ 80 over the 7 assessed categories. "This run" is each category's share of the 100 points. | Category | Weight | This run | Score (0–100) | Points | | --- | --- | --- | --- | --- | | Reliability | 16% | 20 | 5 | 1.0 | | Performance | 10% | pending | pending | n/a | | Schema & documentation | 13% | 16.2 | 10 | 1.6 | | Agent ergonomics | 13% | 16.2 | 0 | 0.0 | | Security & auth | 14% | 17.5 | 8 | 1.4 | | Payments & pricing | 10% | 12.5 | 20 | 2.5 | | Task success | 10% | pending | pending | n/a | | Maintenance & community | 7% | 8.8 | 60 | 5.2 | | Transparency & trust (editorial 43, provenance 61) | 7% | 8.8 | 52 | 4.5 | | Negative events | up to −15 | up to −15 | none recorded | 0 | | **Total** | | | | **16.3 → F** | ### Why each score - Reliability 5: Read with the hosted lines. No status page found, and status.copilot.money has no DNS record (0). No readable incident history (5). No limits published (0). No overload or retry guidance (0). No SLA (0). The only agent surface, the MCP, is a waitlist beta, so the general-availability line scores nothing (0 of 10), though the app itself is generally available. - Performance: Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes. - Schema & documentation 10: Graded on the interface an outside agent can use. The MCP beta has no public tool list or schema, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). copilot.money/llms.txt describes the product and prices in Markdown (10). Dispatch is a dated changelog, but with no public agent interface there is nothing it versions for an agent (0 of 15). - Agent ergonomics 0: Graded on the interface an outside agent can use. With no public interface, context cost, pagination, errors, retries and defaults have nothing to score (0 on each line). The beta is read-only by Copilot's account, which isn't a public interface. - Security & auth 8: Graded on the interface an outside agent can use. With none public, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15). Security programme. A published disclosure policy with targets, rules and security@copilot.money, and a security hall of fame (8). No bug bounty with payouts found. The security page says the certifications listed are Google Cloud's and Copilot isn't certified (8 of 20). - Payments & pricing 20: Read with the hosted rule. No x402, MPP or L402 (0). $95 a year is published in llms.txt and $13 a month on the App Store (10). A free trial, with no statement on whether it needs a card, scored as hedged (10 of 20). A person signs up, and the MCP needs a waitlist place (0). - Task success: Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored. - Maintenance & community 60: Read for a closed service. iOS 8.5.0 on 8 October 2026 (30). Five iOS versions from 3 August to 8 October (20). Dispatch is a public dated changelog, with a help centre at help.copilot.money, untested (10 of 15). No SDK or registry entry (0). No package or CI to judge (0). - Transparency & trust 52: Closed service under terms dated 6 May 2026 naming Copilot Money, Inc. (15). The privacy policy says AI vendors don't train on user data and gives retention while the account is active, and the security page says deleted accounts' financial data isn't kept, with no periods in days (18 of 30). No deprecation policy found (2 of 20). Plaid, Mastercard Data Connect and Google Cloud are named, with no full subprocessor list (8 of 20). Fix list for a coding agent, everything this grade says the listing lacks, the biggest gain first (14 items): https://www.anchorterminal.com/fixes/copilot-money.md (JSON https://www.anchorterminal.com/fixes/copilot-money.json) ### What we couldn't check - unchecked: security.txt, because robots.txt disallows /.well-known/ for every crawler. - The MCP server's address, authentication, tool list and rate limits, which aren't public. - Whether the free trial needs a card. ### Sources - llms.txt: (seen 2026-10-14) - Dispatch changelog: (seen 2026-10-14) - assistant and MCP waitlist page: (seen 2026-10-14) - terms of service: (seen 2026-10-14) - privacy policy: (seen 2026-10-14) - privacy and security page: (seen 2026-10-14) - security disclosure policy: (seen 2026-10-14) - App Store listing and version history: (seen 2026-10-14) - robots.txt: (seen 2026-10-14) ## Who's behind it (provenance 61/100, checked 2026-10-14) | Check | Finding | Points | | --- | --- | --- | | Legal entity named | Copilot Money, Inc. | 20/20 | | Domain age | copilot.money, registered 2018-09-30 (8 years) | 11/15 | | Endpoint on the vendor's domain | no hosted endpoint | n/a | | Terms of service | read, states 6 of the 7 things a reader expects, and has 4 clauses that cost points | 1.1/10 | | Privacy policy | read, states 8 of the 8 things a reader expects | 10/10 | | Status page | not found | 0/10 | | Changelog | published | 10/10 | | security.txt | could not be fetched | 0/10 | The terms and privacy policy were last updated 6 May 2026. copilot.money's robots.txt disallows /.well-known/, so security.txt was not fetched. A disclosure policy is published at /security-policy/. status.copilot.money has no DNS record, and no status page was found. RDAP gives a registration date of 2018-09-30 for copilot.money. ### Terms and privacy, as read A reading by a fixed set of rules, each answered with the vendor's own sentence. Not legal advice. **Terms of service** (https://www.copilot.money/terms-of-service), read 2026-10-14, dated 2026-05-06, states 6 of the 7 things a reader expects. - To know. Says it may use customer content to train or improve models, and no opt-out was found (costs points). "We may use your inputs, Materials, Outputs (defined below), and related interaction data to provide, maintain, secure, improve, and develop the Service and AI features, including quality assurance and model improvement, subject to the Privacy Policy and any settings we make available." - To know. Restricts automated access (costs points). "(8) use any robot, spider, site search/retrieval application, or other manual or automatic device or process to retrieve, index, “data mine,” or in any way reproduce or circumvent the navigational structure or presentation of the Service or its contents;" - To know. Restricts benchmarking or competitive use (costs points). "(18) use or access the Service to build a competing service;" - To know. Says the terms or the service can change without notice (costs points). "Copilot may, at any time and without notice to you: (1) restrict, deactivate, and/or terminate your access to the Service (or any portion thereof); or (2) terminate or modify the Service (or any portion thereof)." - To know. Says access can be ended without notice or for any reason. "Copilot may, at any time and without notice to you: (1) restrict, deactivate, and/or terminate your access to the Service (or any portion thereof);" - To know. Requires arbitration or waives class actions. "AS DESCRIBED BELOW, THESE TERMS PROVIDE FOR THE USE OF ARBITRATION ON AN INDIVIDUAL BASIS TO RESOLVE DISPUTES, RATHER THAN JURY TRIALS OR CLASS ACTIONS, AND LIMIT THE REMEDIES AVAILABLE TO YOU IN THE EVENT OF A DISPUTE." - Gives the date it was last updated. Last updated 2026-05-06. - Names the governing law or courts. The law of the State of New York. - States a limit on its liability. Capped at $100. - Says how changes to the terms are announced. Says it gives notice of a change. - Not found in the text. Refers to a service level or uptime commitment. - Also in the text (2026-10-14). The Service may not be used for commercial purposes. "You may not use the Service for commercial purposes." - Also in the text (2026-10-14). Users may not use the Service in any manner for training or developing artificial intelligence tools or machine learning language models. "(20) use the Service in any manner for training or development of artificial intelligence technologies or tools or machine learning language models;" - Also in the text (2026-10-14). On termination or cancellation of a subscription, the user may lose access to content and work-product created in relation to the Service. "Upon termination or cancellation of your subscription, you may lose access to the products, content, features, and work-product provided to you or created by you in relation to the Service." **Privacy policy** (https://www.copilot.money/privacy-policy), read 2026-10-14, dated 2026-05-06, states 8 of the 8 things a reader expects. - To know. Says it sells personal data or shares it for advertising. "We may also provide certain non-Financial Information, including identifiers, like IP addresses and hashed email addresses, to third-party platforms so that those platforms can display Copilot ads to potentially interested audiences on other services and websites." - Gives the date it was last updated. Last updated 2026-05-06. - Says how long data is kept. For as long as needed, with no period named. - Gives a privacy contact. privacy@amplitude.com. - Says where data is transferred or stored. Data goes to the United States. ## Probe metrics Not measured yet. Our benchmark probes haven't run, so there's no availability, latency or error rate from a run and Performance is pending. Live uptime, where we poll the endpoint, is under Live and doesn't change the score. ## Strengths - A dated public changelog, Dispatch, with entries from 16 April to 8 October 2026. - A published vulnerability disclosure policy naming targets, with security@copilot.money and a hall of fame. - Five iOS releases between 3 August and 8 October 2026. - The privacy policy says AI vendors processing user data don't train their models on it. ## Weaknesses - No public API or MCP server an outside agent can call. The read-only MCP beta is waitlist-only. - No public documentation of the MCP server's address, authentication or tools. - The terms forbid robots, data mining and using the service to train AI. - Copilot itself holds no SOC 2 or ISO 27001 certification, per its security page. - No status page found. ## Before you call it (notes for agents) 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. ## Similar tools Ranked by shared capabilities, then score. Same-category tools with no shared capability key are listed last. | Tool | Grade | Score | Rank | Shared capabilities | x402 | Markdown | | --- | --- | --- | --- | --- | --- | --- | | Snoop | F | 26.7 | 1027 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/snoop.md | | Quicken Simplifi | F | 20.7 | 1037 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | no | https://www.anchorterminal.com/tools/quicken-simplifi.md | | Emma | F | 17.4 | 1044 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | no | https://www.anchorterminal.com/tools/emma.md | | Rocket Money | F | 17 | 1046 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/rocket-money.md | | PocketGuard | F | 14.6 | 1053 | finance.budgets, finance.transactions, finance.bills, finance.subscriptions | no | https://www.anchorterminal.com/tools/pocketguard.md | | Hiatus | F | 14.3 | 1054 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/hiatus.md | ## Panel reviews (0) Reviewed by the Anchor panel (https://www.anchorterminal.com/reviewers/index.md): . Desk reviews, written from public documentation, pricing, terms, source and status history on 1 October 2026. No calls made. For a desk review, the outcome says whether the reviewer's questions could be answered from public material: success, partial or failure. How reviews work: https://www.anchorterminal.com/reviews/how-it-works.md ## Notable - Dispatch, 15 May 2026, announced an MCP in beta, read-only to start and tested for Claude, ChatGPT and Codex CLI, behind a waitlist (source: ) - Dispatch, 12 August 2026, says the MCP can reference categories, transactions, monthly spend and income, recurrings and tags for those with beta access (source: ) - agent.copilot.money takes waitlist sign-ups for the Copilot Assistant and MCP (source: ) - The terms forbid robots, data mining and use of the service to train AI models (source: ) - The security page says Copilot runs on Google Cloud and that the listed certifications are Google's, not Copilot's (source: ) - #7 of 10 in 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 ## Compare - [Copilot Money vs ScribeUp](https://www.anchorterminal.com/compare/copilot-money-vs-scribeup.md): F 16.3 vs F 7.9 - [Copilot Money vs Emma](https://www.anchorterminal.com/compare/copilot-money-vs-emma.md): F 16.3 vs F 17.4 - [Copilot Money vs Hiatus](https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.md): F 16.3 vs F 14.3 - [Copilot Money vs PocketGuard](https://www.anchorterminal.com/compare/copilot-money-vs-pocketguard.md): F 16.3 vs F 14.6 - [Copilot Money vs Quicken Simplifi](https://www.anchorterminal.com/compare/copilot-money-vs-quicken-simplifi.md): F 16.3 vs F 20.7 - [Copilot Money vs Rocket Money](https://www.anchorterminal.com/compare/copilot-money-vs-rocket-money.md): F 16.3 vs F 17 - [Copilot Money vs Snoop](https://www.anchorterminal.com/compare/copilot-money-vs-snoop.md): F 16.3 vs F 26.7 - [Copilot Money vs YNAB](https://www.anchorterminal.com/compare/copilot-money-vs-ynab.md): F 16.3 vs B 65.1 - [Copilot Money vs Plum](https://www.anchorterminal.com/compare/copilot-money-vs-plum.md): F 16.3 vs F 27.4 ## Verify this listing For the vendor. The badge or a plain link to this page verifies the listing, from a page on copilot.money or one of its subdomains. It shows the listing is the vendor's and that the vendor knows it's here, and it never changes a grade, rank or review. The vendor sends the page's address to `POST https://www.anchorterminal.com/api/v1/verify` as `{"slug": "copilot-money", "url": "…"}`, or calls the `verify_listing` tool at https://www.anchorterminal.com/mcp. We fetch the page once, then again every week; two failed checks in a row and the verification lapses, and a later pass restores it. What we check: https://www.anchorterminal.com/builders/index.md#verify HTML badge: ```html Copilot Money on Anchor Terminal ``` Markdown badge, for a README: ```markdown [![Copilot Money on Anchor Terminal](https://www.anchorterminal.com/badges/copilot-money.svg)](https://www.anchorterminal.com/tools/copilot-money) ``` Plain link: ```html Copilot Money on Anchor Terminal ``` ## Share this listing For the vendor. Sharing assets for social media, two PNGs of 1200 × 630 that say Copilot Money is listed on Anchor Terminal, with the vendor's logo and this page's address and no grade or score. - Dark: https://www.anchorterminal.com/assets/share/copilot-money-dark.png - Light: https://www.anchorterminal.com/assets/share/copilot-money-light.png - Create a video and download its frames: https://www.anchorterminal.com/assets/listing-video/index.html?listing=copilot-money