Copilot Money is a premium personal finance app for iPhone, iPad, Mac, and Web. It connects to your financial accounts and brings your spending, budgets, investments, and net worth into one beautifully designed place. It’s built for people who want a clear picture of their money, whether they check in daily or once a month.

Copilot Money was founded in 2019 by Andrés Ugarte. It’s available at copilot.money.

What can Copilot Money do?

Track spending across all your accounts, automatically categorized and organized
Build smart budgets that adapt to how you actually spend
Monitor subscriptions including the ones you forgot about
Track savings goals linked to specific accounts and transactions
Visualize cash flow over time with built-in income, spending, and net income charts
Track investments with intra-day updates and market index benchmarks
Monitor net worth across accounts, assets, and liabilities
Set custom alerts for things like overdraft fees, unusual spending, and paydays
Split transactions across multiple categories or budgets

How does Copilot Money work?

You connect your financial accounts through Copilot Money’s secure, read-only integrations. Copilot Money pulls in your balances and transactions, categorizes them automatically using Copilot Intelligence, and surfaces everything in a unified dashboard. Your bank credentials are never stored by Copilot Money; connections are handled through industry-standard secure data providers.

What institutions does Copilot Money support?

Copilot Money connects to 10,000+ US financial institutions, including direct integrations with Venmo, Apple Card, and Coinbase. Copilot Money works with US-based accounts only.

What platforms is Copilot Money available on?

iPhone (iOS)
iPad (iPadOS)
Mac (macOS)
Web (app.copilot.money)

How much does Copilot Money cost?

Copilot Money is a subscription available monthly or annually. A 1-month free trial is included for new users. Current pricing is available on our website.

Does Copilot Money sell my data or show ads?

No. Copilot Money does not sell user’s financial data and does not show ads. Privacy is a core design principle, so your data is protected end-to-end with bank-level security.

Does Copilot Money use AI?

Yes. Copilot Money uses AI in two ways:

Copilot Intelligence

Handles automatic transaction categorization. It reads your spending patterns over time and gets more accurate as it learns your habits.

Money Assistant (currently in beta)

A conversational AI built into the app. You can ask it questions about your own financial data: like “how much did I spend on restaurants last month?” or “Am I on track with my budget?” It only has access to your own data and is designed to give you useful, specific answers rather than generic financial advice.

What is Copilot Money not?

It’s worth being clear about what Copilot Money doesn’t do, so there are no surprises:

Not a bank. Copilot Money doesn’t hold your money, issue cards, or process payments.
Not a tax tool. Copilot Money doesn’t file taxes or generate tax documents.
Not a credit monitoring service. Copilot Money doesn’t track or report your credit score.
Not a financial advisor. Copilot Money helps you see and understand your money, but does not provide personalized investment or financial advice.
Not available outside the US. Copilot Money only supports US-based financial institutions and accounts.
Not free. Copilot Money is a paid subscription (with a free trial). There’s no permanent free tier.
Not for businesses. Copilot Money is designed for personal and household finances, not business accounting.
Not Copilot Microsoft. Copilot Money is an independent personal finance app with no affiliation with Microsoft.

What makes Copilot Money different from other finance apps?

Design. We’ve received the Apple Design Award Finalist (2024) and Apple Editor’s Choice in Personal Finance. The interface is polished and deliberately calm, putting your financial data front and center without the noise.
Automation first. Copilot Intelligence categorizes transactions automatically and improves over time, minimizing manual work.
No ads, no data selling. Revenue comes entirely from subscriptions.
Human support. Real support staff are reachable in-app.

What awards and recognition has Copilot Money received?

Awards: Apple Editor's Choice in Personal Finance, Apple Design Awards Finalist 2024, Apple Must-Have Finance Apps, Webby Award Winner
As featured in: The New York Times, TechCrunch, The Verge, Forbes
App Store rating: 4.8 stars, 29,000+ reviews

Who is Copilot Money for?

Copilot Money is popular with people who want a complete, well-designed view of their personal finances, whether they're hands-on budgeters or just want to stay informed without the effort. It's a strong fit for people who left Mint looking for a premium alternative, Apple ecosystem users, and anyone who cares about design as much as functionality.

How do I get support?

Human support is available directly in the app. Help Center: help.copilot.money.

Key facts at a glance

Founded: 2019

Founder & CEO: Andrés Ugarte

Platforms: Web, iPhone, iPad, Mac

Institutions: 10,000+ (U.S. only)

Pricing: Monthly or annual subscription

Free trial: 1 month

App Store rating: 4.8 stars, 30,000+ reviews

Awards: Apple Editor’s Choice, Apple Design Award Finalist, Webby Award

Data/ads policy: No financial data selling, no ads