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Cryptocurrency & Blockchain · head to head

Alchemy vs Copilot Money

Alchemy logo

Alchemy

Cryptocurrency & Blockchain

The web3 development platform

From
Free
Rated
-
Full reviewWebsite
Copilot Money logo

Copilot Money

Personal Finance

AI-powered personal finance assistant

From
Free
Rated
-
Full reviewWebsite

The short version

  • Each has a real cost: Alchemy the free tier is capped at 30M compute units a month and 25 requests per second; Copilot Money apple only: web, iPhone, iPad and Mac, with no Android app
  • They diverge on capability: Alchemy covers Node APIs, Copilot Money covers AI-powered insights.

Where they differ

Only the attributes on which Alchemy and Copilot Money actually diverge.

Attributes where Alchemy and Copilot Money differ
AttributeAlchemyCopilot Money
PlatformsApi, WebWeb, IOS, Android
CategoryCryptocurrency & BlockchainPersonal Finance
Founded20172020

Identical on both: starting price (Free), pricing model (freemium), free tier (Yes), user rating (Not yet rated).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Alchemy

  • Node APIs
  • Enhanced APIs
  • NFT API
  • Webhooks
  • Mempool
  • 35+ chains
  • SDKs
  • Api support

Only in Copilot Money

  • AI-powered insights
  • Spending analysis
  • Budget optimization
  • Financial planning
  • Bank accounts
  • Credit cards
  • IOS support
  • Android support

Both cover

  • Web support

What people use each for

The jobs each tool is most often brought in to do.

Alchemy

  • Hosted blockchain node access across mainnets and testnetsnot Copilot Money
  • Backing a production web3 application without running nodesnot Copilot Money
  • Webhook-driven notifications for on-chain eventsnot Copilot Money
  • Scaling read throughput beyond self-hosted node limitsnot Copilot Money

Copilot Money

  • Tracking spending across connected accountsnot Alchemy
  • Budgeting by category with automatic transaction taggingnot Alchemy
  • Investment and net worth trackingnot Alchemy
  • Reviewing recurring subscriptionsnot Alchemy

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Alchemy

  • The free tier is capped at 30M compute units a month and 25 requests per second
  • Free accounts are limited to 5 apps and 5 webhooks
  • Beyond the free allowance it is $0.45 per 1M compute units for the first 300M a month
  • Request cost varies by call complexity, from around 10 compute units to over 100, so spend is hard to predict from request counts alone
  • Signed SLAs and priority support require an Enterprise contract

Copilot Money

  • Apple only: web, iPhone, iPad and Mac, with no Android app
  • No free tier; $95 a year billed annually, which works out at $7.92 a month
  • The trial only starts once accounts are connected

Pricing, plan by plan

Alchemy

Free
  • FreeFree
    • 300M compute units
    • 5 apps
    • Core APIs
  • Growth$49/month
    • 400M compute units
    • 15 apps
    • Enhanced APIs
  • Scale$199/month
    • 1B compute units
    • Unlimited apps
    • Premium support

Copilot Money

Free
  • FreeFree
    • Basic budgeting
    • Spending tracking
  • Premium$12.99/month
    • AI insights
    • Advanced analytics
    • Financial planning

Which should you pick?

Choose Alchemy if

  • You need node apis.
  • You want to start without paying.
  • You work on Api, Web.
  • You also want enhanced apis.
Alchemy review

Choose Copilot Money if

  • You need ai-powered insights.
  • You want to start without paying.
  • You work on Web, IOS, Android.
  • You also want spending analysis.
Copilot Money review

Questions people ask

Is Alchemy or Copilot Money better?
Neither clearly leads. Alchemy starts at Free and Copilot Money at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Alchemy or Copilot Money?
Alchemy starts at Free and Copilot Money at Free.
Does Alchemy or Copilot Money run on more platforms?
Alchemy runs on Api, Web. Copilot Money runs on Web, IOS, Android.
Can I use Alchemy for free?
Both have a free tier, so you can try either at no cost before committing.
What is Alchemy best used for?
Alchemy is most often used for hosted blockchain node access across mainnets and testnets, backing a production web3 application without running nodes, webhook-driven notifications for on-chain events, scaling read throughput beyond self-hosted node limits. Of those, hosted blockchain node access across mainnets and testnets and backing a production web3 application without running nodes are not what Copilot Money is typically brought in for.
What can Alchemy do that Copilot Money cannot?
Alchemy covers Node APIs, Enhanced APIs, NFT API, Webhooks. Copilot Money covers AI-powered insights, Spending analysis, Budget optimization, Financial planning. Both handle Web support.
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