Text-to-image (T2I) generative models have revolutionized content creation but remain highly sensitive to prompt phrasing, often requiring users to repeatedly refine prompts multiple times without clear feedback. While techniques such as automatic prompt engineering, controlled text embeddings, denoising, and multi-turn generation mitigate these issues, they offer limited controllability, or often necessitate additional training, restricting the generalization abilities. Thus, we introduce T2I-Copilot, a training-free multi-agent system that leverages collaboration between (multi-modal) large language models (LLMs) to automate prompt phrasing, model selection, and iterative refinement. This approach significantly simplifies prompt engineering while enhancing generation quality and text-image alignment compared to direct generation. Specifically, T2I-Copilot consists of three agents: (1) Input Interpreter, which parses the input prompt, resolves ambiguities, and generates a standardized report; (2) Generation Engine, which selects the appropriate model from different types of T2I models and organizes visual and textual prompts to initiate generation; and (3) Quality Evaluator, which assesses aesthetic quality and text-image alignment, providing scores and feedback for potential regeneration. T2I-Copilot can operate fully autonomously while also supporting human-in-the-loop intervention for fine-grained control. On GenAI-Bench, using open-source generation models, T2I-Copilot achieves a VQA score comparable to commercial models RecraftV3 and Imagen 3, surpasses FLUX1.1-pro by 6.17\% at only 12.48\% of its cost, and outperforms FLUX1.1-dev and SD 3.5 Large by 9.11\% and 6.36\%. Code will be released.