Hiro Finance goes dark in two days. The app stops working April 20. Your data gets permanently deleted May 13. If you’ve been using it to track or plan your financial life, that’s not much runway.

OpenAI acquired Hiro on April 13 in an acqui-hire (they wanted the team, not the product). Founder Ethan Bloch — who previously built automated savings app Digit and sold it to Oportun for roughly $213 million — and about 10 colleagues are joining OpenAI to build financial planning into ChatGPT. The Hiro app itself doesn’t make the transition.

Your financial data won’t follow them. Hiro has confirmed it won’t be transferred to OpenAI. The entire dataset gets deleted on May 13. That’s the right call on privacy, but it means the clock is running and it won’t be reset.

Quick Picks

App	Best For	Price	Platform
Copilot Money	Hiro-like AI analysis, iPhone-first users	$95/yr	iOS/Mac only
Monarch Money	Cross-platform, couples, goal planning	$99.99/yr	iOS + Android
Cleo	AI coaching, free tier, cash advances	Free–$14.99/mo	iOS + Android

How Do I Export My Hiro Finance Data?

Here’s the exact process:

1. Log into Hiro’s web app at hirofinance.com. The mobile app shuts down April 20, but the web app stays available for data export through May 13.
2. Open Settings.
3. Find the data export option. Hiro generates a file with your transaction history and financial planning data.
4. Download it and save somewhere you’ll actually find it. Cloud storage or a dedicated documents folder — not just the downloads pile.
5. Contact help@hirofinance.com if anything breaks. Hiro’s team has stated they’re prioritizing export support through the shutdown window.

The mobile app going dark April 20 is the real time pressure. After that, you still have until May 13 to use the web export, but you lose the familiar interface. Don’t bank on remembering to do it a month from now.

What Was Hiro Finance?

Hiro was an AI-powered “personal CFO” app built around financial scenario modeling, not just transaction tracking. You gave it your complete financial picture (accounts, income, debts, goals) and it helped you think through forward-looking decisions: what happens if I refinance? Can I afford to max out my 401(k) this year? What does my cash position look like six months from now?

Ethan Bloch founded Hiro in 2024 alongside co-CEO Rushabh Doshi. The company raised $6.3 million in seed funding from Ribbit Capital, General Catalyst, and Restive. The product launched around November 2025 and had users tracking more than $1 billion in assets when OpenAI acquired the team five months later. That short timeline is part of what stings about this — Hiro didn’t have years to build the deep account history that makes financial planning tools most powerful.

The Best Hiro Alternatives

Copilot Money — Closest AI Approach on iPhone

If you liked Hiro specifically because of its AI-driven financial analysis, Copilot Money is the strongest iOS replacement right now. The 2026 AI update added behavioral categorization that learns your spending patterns over time, cash flow forecasting that flags problems before they happen, and a natural-language interface for asking questions about your finances.

The scenario modeling isn’t as deep as Hiro’s what-if planning. Copilot is primarily a tracking-and-awareness tool, not a financial-decision simulator. But it’s as close as the consumer market gets. You can ask “how much did I spend on dining vs. groceries last quarter?” and get an actual answer. The weekly summaries and cash flow forecasting give you forward-looking visibility, not just a historical report.

Pricing: $95/year or $13/month. No free tier. 30-day trial.

Security: Plaid-based read-only connections. Copilot can see your transactions but can’t move money or make changes. 256-bit AES encryption, no bank credential storage on their servers.

The hard limit: iOS and Mac only. If you’re on Android, Copilot simply doesn’t exist for you. Move to the next section.

For iPhone users looking for the most Hiro-like experience, this is where to start. The full 2026 Copilot review covers how the behavioral categorization works over sustained use.

Monarch Money — Best Cross-Platform Choice

Monarch Money is the more complete product for most people — particularly Android users, couples managing shared finances, or anyone who wants goal planning and debt tracking built into the same app rather than layered on separately.

Monarch’s winter 2026 release added an AI Assistant connected to your actual account data, not a generic financial chatbot. Ask it “my net worth dropped $3,000 this month, what happened?” and it can answer because it can see your transactions. Goals 3.0 rebuilt debt paydown and save-up tracking from scratch, with support for equity compensation and irregular income. These forward-looking planning capabilities are exactly what Hiro users are likely accustomed to.

Monarch has roughly 500,000 paying subscribers and raised $75 million at an $850 million valuation in 2025. Subscription-only business model: no advertising, no data sales. You pay, they build features for you. The economics are legible.

Pricing: $14.99/month or $99.99/year.

Security: Read-only Plaid connections, no credential storage, bank-level encryption. Same setup as Copilot.

Best for: Couples or households managing shared finances (Copilot’s design is single-user and handles this poorly), Android users who can’t use Copilot, anyone who wants an integrated goal and debt tracking system alongside the AI analysis.

The Copilot vs. Monarch breakdown goes deeper if you’re torn between them.

Cleo — Best If Conversational AI Was the Point

If you used Hiro mainly because you wanted an AI to engage with your financial habits conversationally — behavioral accountability, spending nudges, something that actually talks back — Cleo is worth considering, especially given its free tier.

Cleo coaches you through spending via chat. “Roast mode” directly calls out bad habits. Cash advances up to $250 on Plus; up to $500 on Builder (requires $750/month in direct deposits). A credit builder product for people working on their score. Seven million users have found something useful in it.

Pricing: Free basic | Grow ($2.99/mo) | Plus ($5.99/mo) | Pro ($8.99/mo) | Builder ($14.99/mo). The free tier connects your accounts and gives you basic AI interaction without a subscription commitment.

Security: Read-only Plaid connection. Never stores bank credentials, 256-bit encryption.

Best for: People who valued Hiro’s conversational AI over its financial modeling depth. The only option here with a meaningful free tier if you want to try something before committing.

Skip it if: You specifically want the what-if scenario planning Hiro offered. Cleo is behavioral coaching and cash management, not financial decision modeling.

Why This Keeps Happening

Hiro is the second personal finance app OpenAI has absorbed in six months. In October 2025, OpenAI hired Sujith Vishwajith, co-founder of the personal finance app Roi, in a similar talent deal. Two fintech acqui-hires in six months is a pattern.

OpenAI is building financial planning into ChatGPT. Not a standalone app — they want the capability embedded in the assistant people already use daily. Acquiring teams that have already solved hard problems (financial account connectivity, user-specific scenario modeling, earning trust with sensitive data) is faster than building from scratch. Hiro’s team had done that work. OpenAI bought the work.

The companies most exposed to this pattern are early-stage AI fintech startups: small teams, innovative approach, solid user engagement, but not yet at the scale where a buyout that kills the product creates real friction. Hiro raised $6.3 million and was five months old. Small footprint.

The established players operate differently. Monarch at 500,000 subscribers, Copilot with deep iOS loyalty, Cleo at 7 million users. These are harder to absorb quietly. Free and early-stage AI finance apps face the most exposure to this kind of consolidation. Paid subscription businesses with transparent revenue models have more durable economics than free apps still searching for their business model. Hiro wasn’t free, but it was early.

This isn’t a criticism of what Hiro built. Five months in, with $1 billion in user assets tracked, they clearly built something people wanted. That’s what made them attractive to acquire.

A Quick Word on Privacy

Hiro has been explicit: your financial data will not be transferred to OpenAI as part of this deal. It gets deleted entirely on May 13. For any replacement app you choose, the standard consumer finance data practices apply: read-only Plaid connections for Copilot, Monarch, and Cleo, meaning the apps can see transactions but can’t initiate transfers or make changes. None of the three store your bank credentials on their servers.

The broader open banking picture is still unsettled from a regulatory standpoint, but the Plaid-based connection model that powers all three alternatives is the current industry standard for read-only account aggregation.

The Bottom Line

Two days until the mobile app shuts down. Go export your Hiro data through Settings in the web app now if you haven’t already. The web export window stays open until May 13, but don’t let that false sense of extra time become a reason to wait.

For iPhone users who want the closest thing to Hiro’s AI financial analysis: Copilot Money. For Android users or anyone managing shared finances with a partner: Monarch Money. For AI coaching and behavioral accountability with a free entry point: Cleo.

Pick one today. Get your accounts connected while the Hiro data is still fresh in your head. The window to carry forward the financial context Hiro helped you build is shorter than the May 13 date suggests.

The app is gone. Your data doesn’t have to go with it.

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Published April 18, 2026. Hiro Finance announced its shutdown on April 13, 2026, with the app going offline April 20 and all user data deleted May 13. Pricing and features for alternatives current at publication — verify directly before subscribing.