Copilot Money (copilot.money) is a subscription personal finance app built around a simple problem: money is scattered across too many accounts to see clearly. Connect your bank, brokerage and crypto accounts and it pulls in every transaction, categorizes spending with AI, and puts budgets, investment performance and net worth on one carefully designed dashboard. It supports US-based financial institutions only, its interface is English-only, it started on iPhone and Mac in 2020, added a web app in December 2025, and still has no Android or Windows client (FAQ, download page, help center; checked 2026-10-02).

In the post-Mint market for US budgeting apps, Copilot Money is among the better-reviewed options: the App Store shows a 4.8 rating across roughly 30,000 ratings with an Editors' Choice badge, and the app was a 2024 Apple Design Awards finalist. The company is explicit about its boundaries: it is not a bank, does not file taxes, does not monitor credit scores, and does not provide personalized investment advice—it focuses on helping you see your money clearly.

Screenshot of the Copilot Money homepage: the headline "Your money, beautifully organized." on a dark background, surrounded by colorful budget-category chips like Groceries, Home and Wedding, with five Apple feature badges below

The homepage (screenshot from 2026-10-02) leads with five App Store feature badges under the hero: Smart Ways to Save Money, Editor's Choice, Apple Design Awards Finalist, Must-Have Finance Apps and Apps We Love.

At a Glance

Item Details
URL https://www.copilot.money/
Type Personal finance app (account aggregation + budgeting + investment/net-worth tracking)
Cost 13/monthor13/month or95/year (shown as $7.92/month billed yearly); 1-month free trial for new users; no permanent free tier (site pricing section, App Store; as of 2026-10-02)
Sign-up Account required (email or Sign in with Apple); US financial institutions only, US-only service
Platforms iPhone (iOS 17+), iPad (iPadOS 17+), Mac (macOS 14+), web at app.copilot.money; no Android/Windows
Interface language English
History Founded 2019, launched 2020; web app launched December 2025 (FAQ, help center)

Background

  • Built because nothing else was good enough: Founder Andrés Ugarte quit his software engineering job in 2018 and spent about a year and a half building the first version after trying countless finance apps without finding one he liked (Apple Developer Spotlight, Nov 2021). The official FAQ dates the company's founding to 2019 and the careers page says "since our launch in 2020" (FAQ, Careers).
  • Compared with Mint from day one: A May 2020 TechCrunch story on its Apple Card import feature already discussed it alongside Mint and YNAB (TechCrunch); since Mint shut down, the company describes former Mint users as a natural fit.
  • Team and scale: The team works from New York and Santiago, Chile ("From New York to Santiago"), and the careers page claims 200,000+ engaged users (Careers, as of 2026-10-02). The terms of service are governed by New York State law (Terms).
  • Funding: A $6M Series A announced in March 2024, led by Adjacent with early-stage funds and angel investors participating, earmarked for platform expansion and AI development (FinTech Global).
  • Recognition: Finalist in the Innovation category of the 2024 Apple Design Awards, listed for iPhone and Mac (Apple's 2024 awards page, Apple Newsroom); also an App Store Editors' Choice in personal finance. The FAQ and App Store description additionally cite a Webby Award and coverage in The New York Times and Forbes—company statements that were not all independently verified.
  • Not Microsoft: The FAQ explicitly states Copilot Money has no affiliation with Microsoft Copilot (FAQ).

Core Features

  • Account aggregation: Connects to 10,000+ US financial institutions. Aggregation runs through Plaid and Mastercard Data Connect—Copilot never stores bank credentials—while Capital One, Coinbase, Apple Card (FinanceKit) and Public connect via direct OAuth. Venmo and Amazon are handled through Copilot Labs (forwarded emails and on-device login respectively), and crypto exchanges such as Kraken can be linked by API key (Privacy & Security, FAQ).
  • AI categorization (Copilot Intelligence): Automatically tags every transaction and learns your habits over time—the product's signature feature. Apple's 2021 profile noted the categorization model runs on-device.
  • Budgets with rollovers: Adaptive budgets where unused amounts roll into the next month to save up for bigger purchases; custom categories with emojis and colors.
  • Recurring and subscription detection: Flags repeating charges ("that streaming service you forgot about") and manages rent, subscriptions and annual fees in a Recurrings tab.
  • Cash flow and reports: Income, spending and net-income trends with monthly summaries.
  • Investment tracking: Intra-day updates, benchmarking against market indexes, and allocation analysis across stocks, ETFs, crypto, cash and real estate.
  • Net worth: A cross-account view of assets and liabilities; paste a Zillow link to track your home's estimated value.
  • Goals, alerts and transaction tools: Savings goals linked to accounts and transactions; custom alerts for overdraft fees, unusual spending and paydays; split transactions, tags, bulk editing and a review workflow; iOS and Mac widgets.
  • New AI features (both in beta): Money Assistant is a built-in conversational assistant that answers questions about your own data and can create or edit categories and budgets (rolling out since April 2026); an MCP interface connects your financial data read-only to external AI tools like Claude and ChatGPT (Dispatch changelog).
  • Privacy and data portability: The company says it never sells financial data and shows no ads; 256-bit encryption at rest, TLS in transit, infrastructure on Google Cloud; you can export all transactions including categories and notes from Settings (Privacy & Security).

Screenshot of the Copilot Money features section: under "Track your spending, boost your savings," four demo cards show AI-categorized transactions, a spending line chart, a budget rollover chart and upcoming subscription charges

The features section (screenshot from 2026-10-02) shows Copilot Intelligence filing Spotify and Whole Food purchases under Entertainment and Groceries, alongside cards for the spending line, budget rollovers, cash flow and subscription detection.

Pricing (as of 2026-10-02)

Prices come from the site's pricing section and the App Store in-app purchase list; the two agree:

Plan Price Notes
Demo mode Free "Test drive for free"—try the app without connecting any account
Monthly $13/month Works across all platforms
Yearly $95/year Shown as $7.92/month, "Save 39%"
Free trial 1 month Available to all new users

There is no permanent free tier—the FAQ states this plainly. Subscriptions are sold via Apple or Stripe on the website, and subscriptions are the company's only revenue source.

Screenshot of the Copilot Money pricing section: a "Test drive for free" demo-mode iPhone on the left, the <span class="katex"><span class="katex-mathml"><math xmlns="http://www.w3.org/1998/Math/MathML"><semantics><mrow><mn>7.92</mn><mi mathvariant="normal">/</mi><mi>m</mi><mi>o</mi><mo stretchy="false">(</mo></mrow><annotation encoding="application/x-tex">7.92/mo (</annotation></semantics></math></span><span class="katex-html" aria-hidden="true"><span class="katex-base"><span class="katex-strut" style="height:1em;vertical-align:-0.25em;"></span><span class="mord">7.92/</span><span class="mord mathnormal">m</span><span class="mord mathnormal">o</span><span class="mopen">(</span></span></span></span>95 billed yearly) price card with a Yearly/Monthly toggle in the middle, and "No ads, no hidden fees" below

The pricing section (screenshot from 2026-10-02): 95peryear(aneffective95 per year (an effective7.92/month) with a toggle revealing the $13 monthly option; the phone mock on the left shows the account-free demo mode.

Who It's For

  • US users deep in the Apple ecosystem: native iPhone, iPad and Mac apps plus a web app, with design quality as the main selling point.
  • Mint refugees: people willing to pay for an ad-free replacement (the company's own target audience).
  • Investment and net-worth trackers: brokerage, crypto, real estate and net worth on one screen instead of five apps.
  • Subscription cutters: automatic detection of forgotten recurring charges.

Limitations

  • US only: supports US financial institutions exclusively, English-only interface; users elsewhere simply can't use it (the site runs a voting page for its next country).
  • Platform gaps: no Android or Windows app; the web app only launched in December 2025 and, as of mid-2026, still lacks the Goals and Cash Flow tabs and some management features (Web FAQ). The App Store compatibility list includes Apple Vision (visionOS 1.0+), but that is compatibility mode—no native Vision Pro app is advertised.
  • No free tier: after the 1-month trial it's 13/monthor13/month or95/year—mid-to-high for the category.
  • Aggregator dependency: account syncing relies on third parties like Plaid; App Store reviews mention delayed syncs and wrong transaction dates on some accounts, and the company acknowledges such issues require working with the aggregator (user reviews, 2025).
  • Not advice: the company states it provides no personalized investment or financial advice, and it is not a tax or credit-monitoring tool.

References