About
Copilot Money is an award-winning personal finance assistant designed to give you a complete, real-time picture of your financial life. The app connects all your bank accounts, investment portfolios, and assets — from stocks and crypto to real estate — so you never have to jump between multiple apps to understand your net worth. At its core, Copilot uses AI to learn your spending habits and automatically tag every transaction, getting smarter the more you use it. Smart budgeting features like budget rollovers let unused funds carry over to future months, helping you save for bigger purchases. A daily spending line gives you a quick pulse check on pending refunds, upcoming bills, and where you stand versus your budget. On the investment side, Copilot provides live performance estimates for individual stocks, ETFs, and crypto, plus portfolio allocation breakdowns so you can see whether your diversification matches your goals. Cash flow summaries highlight month-over-month trends in income and expenses by category, making it easy to spot where costs are creeping up. Copilot also automatically surfaces forgotten subscriptions, so you can cancel services you no longer use. With a clean, native design that earned an Apple Design Award nomination and an Editor's Choice designation, Copilot is built for people who want powerful financial insight without sacrificing aesthetics. It's ideal for individuals and households looking to take control of their personal finances with minimal manual effort.
Key Features
- AI Transaction Categorization: Copilot's AI learns your spending patterns and automatically tags every transaction, improving accuracy over time with minimal manual corrections.
- Budget Rollovers: Unused budget amounts roll over to the next month, letting you save up for larger purchases without losing your progress.
- Investment & Net Worth Tracking: Connects to brokerage, crypto, and real estate accounts to show your total net worth, live portfolio performance, and asset allocation in one screen.
- Subscription Spotting: Automatically detects recurring charges and forgotten subscriptions so you can identify and cancel services you no longer need.
- Cash Flow Summaries: Monthly income and expense trend reports by category help you quickly see where spending is rising or falling compared to prior months.
Use Cases
- Tracking daily spending across multiple bank accounts and credit cards in one place
- Setting monthly category budgets and rolling over unused funds to save for larger purchases
- Monitoring stock, ETF, crypto, and real estate investments to understand total net worth
- Identifying and canceling forgotten or unwanted recurring subscriptions
- Analyzing month-over-month cash flow trends to find areas where spending can be reduced
Pros
- Award-Winning Design: Recognized as an Apple Design Award Finalist and Editor's Choice app, Copilot offers a polished, native experience across iPhone, iPad, Mac, and Web.
- Comprehensive Financial Picture: Tracks spending, budgets, investments, crypto, real estate, and net worth in a single app — eliminating the need for multiple tools.
- Smart Automation: AI-driven transaction tagging and subscription detection reduce the manual effort required to keep your finances organized.
Cons
- Paid Subscription Required: Copilot does not offer a free tier, which may be a barrier for users looking for a no-cost personal finance solution.
- Apple & Web Ecosystem Only: The app is currently available only on iOS, macOS, and Web — Android users are not supported.
- US-Focused Account Connectivity: Account linking is primarily designed for US-based financial institutions, limiting usefulness for international users.
Frequently Asked Questions
What platforms is Copilot Money available on?
Copilot Money is available on iPhone, iPad, Mac, and Web. There is currently no Android version.
How does Copilot categorize my transactions?
Copilot uses AI to automatically tag every transaction based on your spending patterns. The model learns from your corrections and becomes more accurate the longer you use it.
Can Copilot track my investments and net worth?
Yes. Copilot connects to brokerage accounts, crypto wallets, and even real estate to give you a unified view of your net worth, live portfolio performance, and asset allocation.
What is the budget rollover feature?
If you spend less than your budget in a given month, the remaining amount rolls over to the next month. This lets you save within categories for larger future purchases.
Does Copilot detect recurring subscriptions?
Yes. Copilot automatically identifies recurring charges and upcoming bills — including streaming services, gym memberships, and annual fees — so you're always aware of what you're paying for.
