Introducing your money assistant

Managing money well is a constant job, and life doesn't stop to let you do it. Other financial apps have treated AI as a search bar — ask a question, get an answer. It's useful, but it puts the entire burden on you to know what to ask and when to ask it.

We’re building something different. Starting today, we're opening the public beta of a proactive financial assistant that keeps an eye on your finances, connects the dots, and surfaces what matters before you have to go looking for it. It goes beyond chat, something closer to having a financially sharp friend who never stops paying attention.

We've been thoughtful about how this fits into the app, designed to feel like it’s a natural extension of the Copilot Money experience.

The intelligence behind the assistant comes from the financial data that's been there all along — your transactions, categories, and spending patterns, private and secure as always. It's simply what gives the assistant context that compounds over time — the more you use it, the better it understands your priorities, and the less you have to think about managing your money.

What's in the beta today

Your assistant monitors your accounts and spending patterns in the background, delivering proactive daily briefings for what needs your attention — unusual charges, budgets running hot, patterns worth understanding. It suggests recategorizations, refund matches, and tags to keep your financial data clean, and identifies gaps in how your spending is organized with new category suggestions you can adopt in one tap.

It can also surface how to put idle cash to work across your accounts, and act on budgets, categories, and recurring transactions — with nudges that surface contextually throughout the app. Each suggestion comes with a plain-language explanation, in the tone you prefer. And it checks for your approval before any edits. Nothing happens without your say-so. When you want to dig in further, the full conversational interface is there with complete context.

What's coming

This is the beginning of a longer arc. Our vision is an assistant that earns autonomy incrementally — asking more and acting less early on, and gradually earning the right to handle more on its own as it proves its judgment. The boundary between "suggests" and "acts" will move over time, but always at your pace and under your control.

We’re also filming a behind-the-scenes series of what it's been like to build this. You can watch the first video in the journey here.