Aurum vs Copilot — the detail
Does Copilot Money work in Canada?
No. Copilot Money supports US financial institutions only. It cannot pull transactions from TD, RBC, Scotiabank, BMO, CIBC, EQ Bank, Wealthsimple, Tangerine, or any other Canadian bank or credit union. As of late 2025, Copilot has not signalled Canadian bank support is on the near-term roadmap. For a Canadian household, the app is effectively non-functional — there's nothing for it to connect to. Aurum is built around Canadian banks, with Plaid Canada integration on the roadmap.
Is Copilot available on Android or web?
No. Copilot is iOS and macOS only. There is no Android app, no Windows app, and no web version. If you share finances with a partner on Android, or you simply prefer the browser, Copilot isn't an option. Aurum is web-first today, which means it works on any device with a browser — Mac, Windows, Linux, ChromeOS, or any phone. Native iOS and Android apps are on the roadmap, sharing the same data with the web app.
Does Copilot track TFSA, RRSP, or FHSA?
Copilot's tax-aware logic was built around US accounts — 401(k), Roth IRA, HSA. It does not understand TFSA, RRSP, or FHSA, has no concept of Canadian contribution room, no carry-forward math, and no FHSA dual-cap tracking. For Canadians, the entire registered-account layer of personal finance is invisible to Copilot. Aurum is built specifically around that layer — automatic lifetime-room calculation, 18% RRSP earned-income math, and the FHSA's parallel $8,000-annual and $40,000-lifetime caps tracked side-by-side.
What's the best Canadian alternative to Copilot Money?
For Canadians who admired Copilot's design language but need an app that actually works with Canadian banks and registered accounts, Aurum is the closest equivalent. The design quality is comparable — editorial typography, real motion design, considered details — but the substrate underneath is built for the CRA, not the IRS. Real-time TFSA, RRSP, and FHSA room. March 1 RRSP deadline reminders. Over-contribution warnings before the 1% monthly penalty hits.