Copilot Money
Meet the finance app that learns your spending patterns. Track all accounts, get AI-powered insights, and achieve your goals. Award-winning design. Start free.
Editor's Verdict
Key Takeaways
- AI Transaction Tagging
- Spending Line View
- Budget Rollovers
- Subscription Spotting
In-Depth Review: What is Copilot Money?
Copilot Money is a beautiful, AI-powered personal finance app that automatically tracks your spending, budgets, investments, and net worth. It intelligently tags every transaction, helps you roll over unused budgets, and provides cash flow trends. Connect all your accounts—bank, credit cards, stocks, crypto, even real estate—and see everything in one place. Rated as Editor’s Choice and Apple Design Awards Finalist, it's loved by users for its clean design and seamless experience. Available on iPhone, iPad, Mac, and Web. Get started free.
Core Features
AI Transaction Tagging
Automatically tags every transaction using AI that learns your spending patterns, getting smarter over time.
Spending Line View
Start your day with a quick overview of your spending line, pending refunds, and upcoming bills.
Budget Rollovers
Unspent budget amounts roll over to the next month, allowing you to save for larger purchases.
Subscription Spotting
Detects forgotten subscriptions and upcoming recurring charges so you can manage them.
Net Worth Tracking
Aggregates all accounts (stocks, crypto, real estate) to show your total net worth in one screen.
Live Performance & Allocation
Real-time stock estimates and visual portfolio allocation breakdown (equity, crypto, ETF, etc.).
Pricing
Yearly
- AI transaction tagging
- Spending line view
- Budget rollovers
- Cash flow trends
- Subscription spotting
- Net worth tracking
- Real estate account
- Live performance
- Portfolio allocation
- Multi-platform support
Pros and Cons
Pros
- Beautiful DesignIntuitive and clean interface that makes finance management enjoyable.
- AI AutomationAutomatically categorizes transactions, saving time and effort.
- Comprehensive TrackingSupports multiple account types including investments and real estate.
- Privacy FocusedNo ads, no hidden fees, data remains private.
- Multi-PlatformAvailable on iPhone, iPad, Mac, and Web.
Cons
- Subscription CostRequires a yearly subscription at $95/year, no free tier beyond trial.
- Limited Bank SupportMay not connect to all financial institutions (common limitation).
- Learning CurveSome features like rollovers and allocation may need initial setup.
- No Free VersionOnly a trial is free; full features require payment.
- US-CentricPrimarily focused on US users; international support may be limited.
Use Cases & Recommended Professions
Freelancer→ View Toolkit
Need to track multiple income streams and expenses for taxes.
Software Engineer→ View Toolkit
Tech-savvy users who appreciate clean design and automation.
Financial Advisor→ View Toolkit
To demonstrate tracking tools to clients or manage personal portfolio.
Small Business Owner→ View Toolkit
Manage business and personal finances in one place.
Student→ View Toolkit
Learn budgeting and track spending while managing student accounts.
Retiree→ View Toolkit
Monitor multiple investment accounts and net worth easily.
Frequently Asked Questions
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ℹ️ Curation Disclosure: The overview and features of Copilot Money were synthesized using AI and fact-checked by our curation team to ensure accuracy.