Free
$0/month
Everything you need to get started with AI expense tracking.
- Natural-language expense logging
- Category & monthly summaries
- Limited spending history
- Works with any MCP client
Smarter money starts here
Your money.
Your money.
Smarter decisions.
Powered by AI.
Money Copilot AI helps you track expenses, ask AI questions, find savings, and set budgets — all in one private money copilot working for your financial goals.
What Money Copilot AI does
-
Chat with AI About Your Money
Ask anything and get instant, personalized insights.
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Find Savings Opportunities
Discover ways to cut costs and grow your savings.
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Track & Analyze Spending
See where your money goes with smart insights.
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Set Budgets & Achieve Goals
Plan better, spend smarter, and reach your goals.
Your Data, Your Control
No bank connections required. 100% data privacy.
Private by design.
No data sharing. No selling. Ever.
Hi! I'm
Money Copilot AI.
Ask me anything
about your money.
Money Copilot AI.
Ask me anything
about your money.
Money Copilot AI
Where did my money go this month?
You spent $1,284.75 this month. Food & Dining and Shopping are the top categories.
Top Spending Categories
- Food & Dining$412 (32%)
- Shopping$367 (29%)
- Bills & Utilities$205 (16%)
- Transportation$169 (13%)
- Others$40 (3%)
Which subscriptions can I cut?
You're spending $312 on subscriptions this month. Here are some options you can consider:
- Netflix – $15.99 (can be shared)
- Spotify – $9.99 (check if you still need it)
- App Store – $3.49 (review your usage)
Ask anything about your money...
This Month
You're doing great, Tanvi!
You've spent $4,229 which is 88% of your budget.
You still have $6,081 left for the rest of the month.
$42,929Spent
$6,081Left in Budget
Smart Savings Suggestions
See all- Cancel 2 unused subscriptionsSave $24/month
- Lower dining out by 20%Save $48/month
- Review auto insuranceSave up to $360/month
Where did I spend the most?
Show my top category
How can I save more?
Predict my next bill
Perfect for every money journey
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Employees
Track & grow
Stay on top of your pay, bills, and savings with ease.
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Families
Manage together
Plan, budget, and build a secure future—together.
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Freelancers
Track cash flow
Monitor income, expenses, and tax-ready reports.
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Small Business Owners
Spend smarter
Control costs and grow your business with confidence.
Your AI Money Assistant
Your AI Money Assistant.
Your AI Money Assistant.
Use It Your Way.
Money Copilot AI Assistant is your personal finance companion. Track expenses, manage budgets, get insights, and save money through natural conversation.
Use it as a standalone AI assistant or connect it to ChatGPT, Claude, Gemini, Cursor, VS Code, and other MCP-compatible apps.
ChatGPT
Claude
Gemini
Cursor
VS Code- MCP
- + and more
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01
Built-in AI Assistant
Chat naturally and get instant answers about your money.
How much did I spend on food this month? You spent $1,284.75 on Food & Dining. -
02
Optional Integrations
Connect seamlessly with your favorite AI tools and platforms.
-
03
Smart Expense Tracking
Automatic logging, receipts, categorization, and monthly summaries.
Receipt Scanned
- Total
- $45.80
- Food & Dining
- $45.80
- Aug 4, 2025
-
04
AI Financial Insights
Discover patterns, find saving opportunities, and make smarter decisions.
Savings Opportunity
You can save up to $230 this month by reducing dining out
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05
Privacy First
No bank connection. Your data stays private, secure, and always in your control.
No Bank Connection
100% Private
Secure Cloud Sync
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06
For Everyone
A simple way for students, professionals, families, and small businesses to manage money.
Perfect for
- Students
- Professionals
- Freelancers
- Families
- Small Business Owners
Use Money Copilot AI Assistant
Standalone AI assistant • Expense tracking • Budget management
- Standalone AI assistant
- Optional integrations
- MCP compatible
- No bank connection
- Privacy first
- Secure cloud sync
Pricing
Start Budgeting in Minutes
Choose the plan that fits your needs. All plans include AI-powered expense tracking that understands your spending.
Pro
Coming soon
Pro pricing will be announced before paid upgrades open.
- Unlimited spending history
- Receipt photo scanning
- Budgets & category-based alerts
- Priority support
Business
Custom
For teams, firms, and organizations managing shared spending workflows.
- Team Copilot Spaces
- Shared budgets & approvals
- Role-based access
- Admin reporting
- No bank connection requiredYour data stays in your control.
- Privacy firstWe never sell your data.
- MCP compatibleWorks with any MCP client.
- Cloud syncAccess your data anywhere.
FAQ
Questions,
Questions,
answered.
Everything you need to know about tracking your spending with Money Copilot AI, before you connect.
Still need a hand?
Our support team can help with setup, access, and account questions.
Visit support centre
01 What is Money Copilot AI?
Money Copilot AI is your AI-powered personal finance assistant that helps you log expenses, track budgets, and get smart insights — all through chat.
02 How does Money Copilot AI work?
Connect it to an AI assistant you already use, or open the built-in Copilot AI. Type what you spent in plain language and it categorises, tracks and summarises it for you.
03 Is Money Copilot AI free?
Yes. The free plan covers natural-language expense logging, category and monthly summaries, and works with any MCP client. Pro pricing is announced before paid upgrades open.
04 Is my financial data secure?
There is no bank connection to make. Your data stays in your control, is never sold, and syncs only to the account you sign in with.
05 Which AI assistants does Money Copilot AI work with?
ChatGPT, Claude, Gemini, Cursor, VS Code and any other MCP-compatible client — or use the built-in assistant on its own.
06 Does Money Copilot AI read receipts?
Yes. Send a receipt photo and it reads the total, picks the category and files the expense with the date.
Money Copilot AI overview
What is Money Copilot AI?
Money Copilot AI is a private AI money copilot operated by My Copilot AI LLC. It turns everyday financial tracking into a conversation: tell it what you spent, ask where your money went, set a budget, or request a report. You can use the web dashboard directly or connect the same private ledger to AI assistants you already use.
Track money by talking or typing
Record an expense in plain language instead of filling out a long form. Money Copilot AI can organize amounts, dates, categories, merchants, notes, and tags while keeping the final record visible in your dashboard.
Ask questions grounded in your records
Use your own expense and budget history to review category totals, monthly patterns, recurring costs, cash flow, and savings opportunities. The answers come from the financial information you choose to store.
Connect without sharing bank credentials
No bank connection is required. Through the Model Context Protocol, you can connect Money Copilot AI to supported clients such as Claude, ChatGPT, Cursor, Windsurf, and VS Code while keeping each account isolated.
How the money copilot works
- Create your private account. Start free and choose how you want to use the service.
- Add the records you want tracked. Enter expenses and budgets in the dashboard or through a connected AI assistant.
- Ask for useful answers. Review spending, compare budgets, find recurring charges, or produce reports from the records in your account.
Money Copilot AI at a glance
- Product
- AI-powered personal finance assistant
- Operator
- My Copilot AI LLC
- Access
- Web dashboard and supported MCP clients
- Bank login
- Not required
- Core tools
- 26 expense, budget, analysis, automation, resource, and prompt tools
Common questions about Money Copilot AI
Is Money Copilot AI the same as Copilot Money or Microsoft Copilot?
No. Money Copilot AI is an independent product operated by My Copilot AI LLC. It is not affiliated with Copilot Money or Microsoft Copilot.
Does Money Copilot AI connect to my bank?
A bank connection is not required. You decide which expenses, budgets, and other financial records to add to your private ledger.
Can I use Money Copilot AI with Claude or ChatGPT?
Yes. Follow the connection guides for supported AI clients, or use the browser dashboard without connecting another assistant.