# Copilot Money (slim)

> 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.

- Full: https://www.anchorterminal.com/tools/copilot-money.md (~5,200 tokens) · this version ~1,230 tokens · JSON https://www.anchorterminal.com/tools/copilot-money.json · canonical https://www.anchorterminal.com/tools/copilot-money
- Index: https://www.anchorterminal.com/llms.txt · API: https://www.anchorterminal.com/api/v1/index.json · Updated: 2026-10-14

**F · 16.3/100 · rank #1049 of 1076 · #7 in Subscriptions, bills & personal finance · not agent-ready · 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

- Kind: Platform · vendor: Copilot Money, Inc. · category: Subscriptions, bills & personal finance · legal entity: Copilot Money, Inc. · provenance 61/100
- Auth: OAuth or key · pricing: Paid · x402: no · licence: Closed service under the Copilot Money Terms of Service (Copilot Money, Inc.).
- Probe metrics: not measured yet (probes haven't run)
- 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/).

- Scores: Reliability 5, Performance pending, Schema & documentation 10, Agent ergonomics 0, Security & auth 8, Payments & pricing 20, Task success pending, Maintenance & community 60, Transparency & trust 52 · total over the 7 assessed categories
- Why: Reliability, Read with the hosted lines. · Schema & documentation, Graded on the interface an outside agent can use. · Agent ergonomics, Graded on the interface an outside agent can use. · Security & auth, Graded on the interface an outside agent can use. · Payments & pricing, Read with the hosted rule. · Maintenance & community, Read for a closed service. · Transparency & trust, Closed service under terms dated 6 May 2026 naming Copilot Money, Inc.
- Sources: 9, open questions: 3, both in the full twin
- Capabilities: finance.budgets, finance.transactions, finance.subscriptions, finance.bills
- JSON: https://www.anchorterminal.com/api/v1/tools/copilot-money.json
- Verify (for the vendor): the badge `https://www.anchorterminal.com/badges/copilot-money.svg` or a link to https://www.anchorterminal.com/tools/copilot-money from a page on copilot.money or one of its subdomains, then `POST https://www.anchorterminal.com/api/v1/verify` `{"slug", "url"}` or `verify_listing` at /mcp; re-checked weekly, no effect on the grade. Snippets in the full twin.

## Before you call it

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

| Tool | Grade | Score | Shared capabilities | Slim |
| --- | --- | --- | --- | --- |
| Snoop | F | 26.7 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | https://www.anchorterminal.com/tools/snoop.min.md |
| Quicken Simplifi | F | 20.7 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | https://www.anchorterminal.com/tools/quicken-simplifi.min.md |
| Emma | F | 17.4 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | https://www.anchorterminal.com/tools/emma.min.md |
| Rocket Money | F | 17 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | https://www.anchorterminal.com/tools/rocket-money.min.md |
| PocketGuard | F | 14.6 | finance.budgets, finance.transactions, finance.bills, finance.subscriptions | https://www.anchorterminal.com/tools/pocketguard.min.md |


## Panel reviews (0, desk reviews from public material, no calls made)