Copilot: Track & Budget Money

Spending, investing, net worth

Free · In‑App Purchases

25K Ratings
Awards

Editors’ Choice

Apps
Ages

4+
Years
Category

Finance
Developer

Copilot Money, Inc.
Language

EN
English
Size

275.4
MB

Apple Design Award Finalist, 2024 "An app that I love and use." - MKBHD "The future of personal finance" - Apple App Store Clear, beautiful, trusted. Copilot Money is the app that makes money simple. Now available for iPhone, Mac, and iPad. Copilot gives you incredible clarity into all your accounts, plus smart ways to categorize, budget, save, view your recurring subscriptions, and more. And without all the "work" of Mint and others, since Copilot learns to auto-categorize your spending — while keeping your data safe with bank-level security. Copilot is on your side, in a world where banks and other apps are trying to sell you, not help you. It's a paid subscription, which means we'll never show you ads for credit cards you don't need, or sell your data to others. And you can chat with us anytime about questions, and even feature requests. Let's reclaim our financial data together! Try Copilot free for one month. It's the best money you'll ever spend! Key features: • Safe & Secure: We safeguard your data with bank-level security. • All in One: Connect over 10,000 institutions, including Venmo, Coinbase, Amazon, and Apple Card — and see the big picture across it all. • Best-in-Class Support: Navigating finances can be complicated. Our dedicated support team is ready to help you every step of the way. • Adaptive Budgets: Copilot uses your habits to create and tweak realistic budgets for you. • Savings Goals: Associate any account and transaction to count towards your goals. • Cash Flow: Visualize how you're doing in three key areas — income, spending, and net income. Easily compare and see trends. • AI Categorization: Thousands of transactions, automatically categorized. • Subscription Tracking: Stay on top of your recurring spending. Even things you forgot! • Investments: View performance, and even benchmark against market indexes. • Custom Notifications: Stay informed, not overwhelmed, on overdraft fees and more. • Dark Mode & Widgets: Customize your experience with Copilot! Learn more at https://www.copilot.money Terms of Service: https://www.copilot.money/terms_of_service Privacy Policy: https://www.copilot.money/privacy_policy Copilot Money currently works with US financial institutions only.

Ratings & Reviews

4.8

out of 5

25K Ratings

Editors’ Choice

With elegant graphs and an interface that’s a genuine joy to use, Copilot helps you visualize exactly where your money is going; its smart algorithms, driven by machine learning, are especially adept at automatically categorizing transactions. Neat trick: The app scours your transactions to uncover recurring charges you might be overlooking.
Except for Budgeting, I absolutely love it!
Jun 1

FlyGuyTy1914
First of all, at this time, I have no real “Investments”, so if you have investments beyond stocks and bonds, those categories may be a little light for you.As far as Budgeting, there is something included called a Budget, but it is nothing like what I hoped for. I wanted to see two or three things not yet included: Ideally, I would like to see:1. How much I expect to have in income, both from my projection and from actual historical data (Last 12 months, but at least last month)2. From my list of Recurring Transactions (which is included), I want to see very clearly, what they total to.3. If my projected income is not enough to meet those expectations, I want to see and hear a fire alarm louder than my Mac is capable of. (or at least, see clearly that I need to find an increase in income this or next month!)Beyond those changes, it took me a while to figure out how to clear transactions in the Recurrings list. I just figured it didn’t work.My Apple credit card didn’t show transactions for several months before I discovered how to fix the problem.It really is an evolving application, thanks to the subscription model, which I abhor, but in this case, it is worth the continued development.

Developer Response
Thanks for honest feedback! The behaviors you're experiencing for your recurring transactions not being captured are unusual.Can you contact us via the in-app chat? We'd love to help troubleshoot this issue for you as well as the the issue regarding your incorrect categorized transactions.
Except for Budgeting, I absolutely love it!
Jun 1

FlyGuyTy1914

First of all, at this time, I have no real “Investments”, so if you have investments beyond stocks and bonds, those categories may be a little light for you.As far as Budgeting, there is something included called a Budget, but it is nothing like what I hoped for. I wanted to see two or three things not yet included: Ideally, I would like to see:1. How much I expect to have in income, both from my projection and from actual historical data (Last 12 months, but at least last month)2. From my list of Recurring Transactions (which is included), I want to see very clearly, what they total to.3. If my projected income is not enough to meet those expectations, I want to see and hear a fire alarm louder than my Mac is capable of. (or at least, see clearly that I need to find an increase in income this or next month!)Beyond those changes, it took me a while to figure out how to clear transactions in the Recurrings list. I just figured it didn’t work.My Apple credit card didn’t show transactions for several months before I discovered how to fix the problem.It really is an evolving application, thanks to the subscription model, which I abhor, but in this case, it is worth the continued development.
Developer Response 11/21/2024
Thanks for honest feedback! The behaviors you're experiencing for your recurring transactions not being captured are unusual.Can you contact us via the in-app chat? We'd love to help troubleshoot this issue for you as well as the the issue regarding your incorrect categorized transactions.
The Finance Monitoring Solution I’ve Been Seeking for Years
Nov 29

shiningsee
I was never satisfied with other solutions over the years. They were too limited or too complex, buggy, and/or shared way too much about me in exchange for free access. With Copilot monitoring all my accounts, including investments, I’m finally feeling at home. However, one missing feature that I was shocked by is the inability to view, let alone manage rules that you create to automatically categorize and tag transactions. You have to contact support if you want to remove or change a rule! With rules being invisible once created, it’s difficult if not impossible to remember them all. That’s a huge gap in functionality. I may remove a star from my Copilot rating unless there’s progress on filling this gap soon.UPDATE: A year later and no communication whatsoever on the promised UI for editing or even viewing existing transaction name rules. Removing one star for every year Copilot Money developers fail to rectify this major shortcoming.

Developer Response
Thanks for the feedback! Editing transaction name rules is something we’re looking into, but we don’t have a timeline yet. We’ll let you know as soon as it’s ready. And like you mentioned, you can always reach out via in-app chat if you need us to remove any rules. Thanks again!
The Finance Monitoring Solution I’ve Been Seeking for Years
Nov 29

shiningsee

I was never satisfied with other solutions over the years. They were too limited or too complex, buggy, and/or shared way too much about me in exchange for free access. With Copilot monitoring all my accounts, including investments, I’m finally feeling at home. However, one missing feature that I was shocked by is the inability to view, let alone manage rules that you create to automatically categorize and tag transactions. You have to contact support if you want to remove or change a rule! With rules being invisible once created, it’s difficult if not impossible to remember them all. That’s a huge gap in functionality. I may remove a star from my Copilot rating unless there’s progress on filling this gap soon.UPDATE: A year later and no communication whatsoever on the promised UI for editing or even viewing existing transaction name rules. Removing one star for every year Copilot Money developers fail to rectify this major shortcoming.
Developer Response 3d ago
Thanks for the feedback! Editing transaction name rules is something we’re looking into, but we don’t have a timeline yet. We’ll let you know as soon as it’s ready. And like you mentioned, you can always reach out via in-app chat if you need us to remove any rules. Thanks again!
Good for single people with simple finances
Feb 3

Michael Czeizperger
The app basically tags your spending into different categories, and is good at it, but is light on keeping track of your budget vs actual spending. That isn’t to say it lacks those feature, but if you’re used to Quicken or Mint or any of the legacy budgeting apps, its budget analysis features are limited. If you’re single and have simple finances what they have is probably enough. The other thing that’s missing is support for joint accounts for couples to work together on shared expenses. The workaround requires two separate CoPilot subscriptions, one for her, and one for me, which is twice the work and twice the cost as we both end up having to categorize joint transactions. That being said, the functionality that is there works well once you get past some of the quirky UI behavior, and support does eventually get back to you.

Developer Response
Hey there, thank you for sharing this feedback. Thanks for the thoughtful feedback! We totally understand how important budget analysis and joint account support are, and we’re actively working on expanding these features. We prioritize stability and smooth functionality, which is why some of these features may take a bit longer to roll out. We’re glad to hear the core functionality is working well, and we appreciate your patience as we continue to improve the app.
Good for single people with simple finances
Feb 3

Michael Czeizperger

The app basically tags your spending into different categories, and is good at it, but is light on keeping track of your budget vs actual spending. That isn’t to say it lacks those feature, but if you’re used to Quicken or Mint or any of the legacy budgeting apps, its budget analysis features are limited. If you’re single and have simple finances what they have is probably enough. The other thing that’s missing is support for joint accounts for couples to work together on shared expenses. The workaround requires two separate CoPilot subscriptions, one for her, and one for me, which is twice the work and twice the cost as we both end up having to categorize joint transactions. That being said, the functionality that is there works well once you get past some of the quirky UI behavior, and support does eventually get back to you.
Developer Response Jan 21
Hey there, thank you for sharing this feedback. Thanks for the thoughtful feedback! We totally understand how important budget analysis and joint account support are, and we’re actively working on expanding these features. We prioritize stability and smooth functionality, which is why some of these features may take a bit longer to roll out. We’re glad to hear the core functionality is working well, and we appreciate your patience as we continue to improve the app.

In this release: • Liquid Glass support for iPhone. We've fixed a ton of small issues, and fine-tuned the updated design of the app. • Fixed: A few other minor bugs.

Version 7.0.8

4d ago

Data Linked to You

The following data may be collected and linked to your identity:
- Financial Info
- Location
- Contact Info
- User Content
- Identifiers
- Usage Data
Data Not Linked to You

The following data may be collected but it is not linked to your identity:
- Diagnostics