EasyFin vs Copilot Money
The same automation on Android, and in more than one currency
EasyFin is a Copilot Money alternative for people who are not entirely on Apple devices or who hold money in more than one currency. Both use machine learning to categorize spending and both track investment holdings. Copilot is iOS, iPad and Mac only, is sold only in the US App Store, and supports USD alone. EasyFin runs on iOS, Android and web, works in Canada and Ukraine as well as the US, and converts each transaction at its own rate.
Key takeaways
- Copilot supports USD only and does not convert foreign currency transactions, per its own help centre.
- Copilot is sold only in the US App Store and connects only to US institutions — it is not available to buy elsewhere.
- There is no Android app, so a household on mixed hardware cannot share it.
- Copilot is the better-designed product on Apple platforms and updates investment prices intra-day, where EasyFin revalues nightly.
What is Copilot Money?
Copilot is a subscription personal finance app for Apple platforms, widely regarded as the best-designed product in the category. Its categorization learns from your corrections rather than applying a fixed taxonomy, it detects recurring payments reliably, it tracks investment holdings with cost basis and intra-day price updates, and it covers crypto. It runs on iPhone, iPad, Mac and web, with no Android app. Pricing is $95 a year or $13 a month with a 30-day trial that requires a card, and there is no free tier. It also ships an MCP server, so an AI assistant can answer questions about your finances — one of the few apps here that does. Its limits are geographic and monetary: US institutions, US App Store, US dollars.
Does Copilot Money support foreign currencies?
No. Copilot supports US dollars and performs no conversion of foreign-currency transactions, and it connects only to US financial institutions. It is also only sold through the US App Store, which means the restriction is not merely a feature gap you could work around with manual entry — for most people outside the United States the app is not purchasable at all. Taken together with the absence of an Android app, Copilot has drawn its boundary tightly and deliberately: US, Apple, dollars. Within that boundary it is excellent, which is the honest summary of this comparison.
“Copilot only supports USD and does not convert foreign currency transactions.”
“we only support US financial institutions and as such are only available in the US App Store”
What both apps do
- Machine-learning categorization that improves as you correct it
- Automatic bank sync with recurring-payment detection
- Monthly budgets with rollover
- Investment portfolio with holdings and cost basis
- Crypto tracking
- An MCP server for asking an AI assistant about your finances
Where they differ
| Feature | EasyFin | Copilot Money |
|---|---|---|
| Android app | Yes | No |
| Web app | Yes | Yes |
| Free plan | Yes | No |
| Multi-currency accounts | Yes | No — USD only |
| Available outside the US | Yes | No |
| Voice transaction entry | Yes | No |
| Household sharing | Yes | No |
| Intra-day investment prices | No — nightly | Yes |
Android app
Copilot has none and has given no indication one is coming. EasyFin ships native iOS and Android apps plus web. For a household where one person is on iPhone and the other on Android, Copilot is not a shared-finances option regardless of how good the iOS app is — and Copilot has no household sharing either, so this compounds.
Multi-currency accounts
EasyFin holds accounts in different currencies simultaneously and converts into one preferred currency using each transaction's own historical rate. Copilot holds dollars. A foreign transaction arriving through a US card is recorded at whatever the card issuer settled it at, which is fine for occasional travel and useless for anyone actually holding money in two places.
Available outside the US
EasyFin covers the United States and Canada through Plaid and Ukraine through Monobank, and is sold in every store region. Copilot is a US App Store product connecting to US institutions. This is the row that ends the comparison for most non-US readers before any feature question arises.
Household sharing
Copilot is a single-user product; there is no partner or household mode. EasyFin supports partner sharing on Pro. For couples managing money jointly this is a structural difference, not a preference — in Copilot the second person either has no visibility or shares a login.
Free plan
Copilot has none. Its 30-day trial is long, and it requires a card. EasyFin's free plan is permanent at 3 accounts and 300 transactions a month, with a 14-day Pro trial on top of it. Copilot's trial is more generous; EasyFin's floor is lower.
Voice transaction entry
Copilot has no voice entry. Its conversational assistant is a waitlist beta for asking questions about your data, which is a different thing from logging a transaction by speaking it. EasyFin's voice entry produces a draft with amount, merchant and category extracted, which you confirm before it saves.
Intra-day investment prices
Copilot updates security prices through the trading day; EasyFin revalues nightly. If you watch a portfolio intra-day, this is a real advantage and EasyFin does not claim otherwise. EasyFin's investment strength is elsewhere — holdings valued at each transaction's own exchange rate, which matters for a portfolio held across currencies.
How each app handles more than one currency
Copilot works in US dollars. A foreign purchase on a US card arrives already converted by the issuer, at the issuer's rate, and Copilot records the dollar figure — there is no original amount, no original currency and no conversion of its own. EasyFin records the amount and currency you actually paid in, stores the exchange rate for that date, and converts into your preferred currency using the stored rate. The original transaction remains visible in its own currency, which is what makes a foreign account reconcilable against its own statement.
Price
| Monthly | $10 vs $13 |
|---|---|
| Annual | $90 vs $95 |
| Free plan | EasyFin yes · Copilot no |
| Trial | EasyFin 14 days · Copilot 30 days, card required |
Copilot Money pricing verified against the vendor's own pricing page on . Prices in USD.
$90 against $95 a year makes price a rounding difference between these two. Everything meaningful is structural: Copilot has no Android app, no household sharing, no currencies beyond the dollar, no institutions outside the United States, and no free tier — but within its boundary it is the most polished product in this comparison, and its intra-day investment pricing beats EasyFin's nightly revaluation outright. Choose on whether your household fits inside that boundary, not on the five dollars.
Where Copilot Money is the better choice
Copilot is the best-designed money app on Apple platforms and its investment tracking updates prices through the trading day, where EasyFin revalues nightly. If everyone in your household is on Apple hardware, you bank in US dollars and you watch your portfolio intra-day, Copilot is the better product.
Moving from Copilot Money to EasyFin
- Export your transactions from Copilot. Copilot provides a CSV export of transaction history from its settings.
- Install EasyFin — on iOS, Android or web — and set your preferred currency. If you are leaving Copilot because of currency, this is where that changes.
- Create accounts with the correct currency on each. Copilot's export is dollar-denominated throughout, so foreign accounts will need their currency set before import.
- Import the CSV. Historical rows keep their recorded amounts; new transactions from here will carry their own currency and stored rate.
- Connect banks through Plaid for US and Canadian institutions, and Monobank for Ukrainian accounts.
- Set up budgets with rollover, and invite your partner if you share finances — the thing Copilot had no mechanism for.
Frequently asked questions
- Does Copilot Money work on Android?
- No. Copilot runs on iPhone, iPad, Mac and web, with no Android app, so a household with mixed devices cannot share it. EasyFin runs on iOS, Android and web.
- Does Copilot Money support foreign currencies?
- No. Copilot's help documentation states it supports USD only and does not convert foreign currency transactions. EasyFin holds accounts in multiple currencies and converts at the rate on each transaction's date.
- How much does Copilot Money cost compared to EasyFin?
- Copilot is $95 a year or $13 a month with a 30-day trial that requires a card and no free tier. EasyFin is $90 a year or $10 a month with a 14-day trial above a permanent free plan. The price difference is negligible; the structural differences are not.
- Can I use Copilot Money outside the United States?
- Generally no. Copilot's help centre states it supports only US financial institutions and is sold only in the US App Store, so for most people outside the United States the app cannot be purchased, let alone connected to a bank.
- Does Copilot Money support household or partner sharing?
- No. Copilot is a single-user product with no partner or household mode, so a couple managing money jointly either shares a login or one person has no visibility. EasyFin supports partner sharing on Pro.
- Is EasyFin as well designed as Copilot?
- Copilot is widely regarded as the best-designed money app on Apple platforms, and it updates investment prices intra-day where EasyFin revalues nightly. EasyFin's advantages are Android, household sharing, multi-currency and availability outside the US — not visual polish.
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