Outside the US.
Its FAQ says it works with US-based accounts only, and its help centre says it supports US dollars only and doesn’t convert foreign transactions.
cent4cent vs Copilot
Copilot learns your labels. cent4cent keeps your books.
A polished, feed-based app for US accounts. Each person gets their own AI model, which learns from their edits and holds back a guess it isn’t confident about. Of the feed-based apps, it’s the most careful about guessing.
Claims about Copilot come from its own help centre and pricing page, as read in September 2026, paraphrased and rounded, with links below. Something wrong? support@cent4cent.com.
When Copilot is the better choice.
Someone in the US with one currency who wants bank feeds, sorting that learns, and the best-looking dashboard in the category.
Where Copilot runs out.
Holdings and money owed.
A reimbursement is netted into the category of the original purchase, and a private holding is a manual account at a value you type. What someone owes you is never a figure of its own.
A label, not a place.
Its AI learns your labels well, and leaves the ones it isn’t sure of for you to review. Underneath, each transaction is still one row with one label, and nothing checks an account against its statement.
Copilot Money and cent4cent, side by side.
| Copilot Money | cent4cent | |
|---|---|---|
| Sorting your transactions | Its own AI model for you, learning from your edits | Done for you, and re-sorted back through your history as it learns |
| When it isn’t sure | Holds back guesses it isn’t sure of, for you to review | Asks you in plain words, and keeps the answer as a rule |
| Money owed to you | Netted into the original category | Kept by person, and closed automatically when they pay you back |
| A private holding and its terms | A balance you update, and a mortgage linked to a home | Your figure, with its terms said in a sentence: a co-owner, a loan against it, tax to come |
| A second currency | No, US dollars only | Each account in its own currency, with what the rate did on its own line |
| What moved your net worth | A chart, with investment returns shown apart | Every month split into saved, markets and currency, to the cent |
| Checks every account against your bank | No | Every account, every month, to the cent |
| Australian banks | No, US accounts only | Any bank or fund, from its statements |
| Price | About US$95 a year | A$10 a month or A$100 a year |
The sample month, kept in cent4cent.
In cent4cent the question comes before the label: whose money it was, and where it belongs, with the answer kept as a rule.
See last month in cent4cent, next to Copilot.
Bring last month in and compare the two. 14 days free, no card needed.