Copilot is the iOS-first design-led tracker with US Plaid sync, ML categorization, and a $95/year price tag. Capi is the Telegram-first multi-currency tracker that costs $0 to $99/year and works in any country. The choice comes down to platform and where you bank.
Pick Copilot if you live on apple devices, bank in the us, and the polish of a hand-crafted ios app matters to you.
Pick Capi if you want cross-platform telegram input, multi-currency native, or you bank outside plaid coverage.
I am the founder of Capi, so this comparison cannot be neutral. I have tried to be fair where the rival is stronger and explicit where Capi is. If you spot a place I got something wrong, write to me and I will correct it.
Copilot is $13/month or $95/year. There is no permanent free tier; a free trial lasts 30 days before the subscription kicks in. Capi has a permanent free tier ($0), Core at $9.90/month or $69.90/year, and Together for couples at $99/year. Over three years: Copilot $285, Capi Free $0, Capi Core $209.70, Capi Together $297.
Copilot was iOS-only at launch and added macOS, and a web version is now available. There is no native Android app as of 2026. Capi runs anywhere Telegram does (iOS, Android, macOS, Windows, web, Linux) plus a web mini-app for dashboards. If you are an iPhone-and-Mac user, Copilot's native polish is a real advantage. If anyone on your account uses Android, Copilot is not an option.
Copilot supports a primary currency per account and limited foreign-transaction tracking, but it is built for USD-primary users with US accounts. Multi-currency primary support (earning in USD, spending in BRL) is not native. Capi commits each transaction in its native currency at entry time, rolls up to a chosen main currency, and supports seven currencies plus crypto rails.
Copilot uses Plaid for US bank sync, including major brokerages. Outside the US, manual CSV upload only. Capi has no Plaid; accepts CSV and PDF from any bank globally, parses installments natively, and deduplicates via source_row_hash. Same trade-off as with Monarch: US automation vs international coverage.
Copilot has no first-class couple feature; a household either shares one login (visibility only, no per-person attribution) or runs two separate $95/year accounts ($190/year). Capi Together at $99/year supports household sharing with per-person tx attribution, a #mine flag for private purchases, and joint goal tracking. Together is significantly cheaper and more couple-specific.
Copilot has strong ML auto-categorization that learns from your corrections. Capi has a learned categorizer plus a chat advisor that answers questions in seven languages ("how much did I spend on rideshare last month?", "where could I trim?"). Different surfaces: Copilot's ML is invisible and works inside the dashboard, Capi's chat advisor is explicit and conversational.
Native iOS/macOS polish, design quality, ML auto-categorization, US bank sync. Copilot is one of the best-designed finance apps ever shipped. If you are aesthetic-driven and Apple-native, it is hard to top.
Cost, cross-platform (Telegram is everywhere), multi-currency native, voice and photo input, parcela parsing, Telegram-first means no notification fatigue. International coverage. Permanent free tier.
Choose Copilot if you live in the Apple ecosystem, bank in the US, and design matters. Choose Capi if you cross platforms, cross currencies, or split money with a partner. The dimension that decides: do you want a beautiful app, or do you want a chat inbox that notices?
Free forever. No card required. Type a transaction in Telegram, Capi notices the pattern. Multi-currency by default. 7-day trial of Core for the chat advisor.
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