Copilot Money

What is Copilot Money?

Copilot Money is an AI-powered personal finance tracker that automatically categorizes spending, monitors budgets, and consolidates accounts across banking, investments, and crypto in a single dashboard. Made by Copilot, it serves users seeking unified visibility into their financial life without manual data entry.

The platform connects to bank accounts, investment portfolios (stocks, ETFs, crypto wallets), and real estate holdings to track net worth in real time. Its machine learning engine automatically tags transactions and learns spending patterns, reducing the need for manual categorization. Key features include budget rollover (unused allocations carry forward to future months), subscription detection that flags forgotten recurring charges, cash flow analysis showing monthly income and expense trends, and portfolio allocation visualization to assess diversification. Users can monitor live market performance for individual holdings and see balance changes across connected accounts. The app estimates property value through Zillow integration for net worth calculations. It's available on iPhone, iPad, Mac, and web browsers, with a design focused on visual clarity and minimal friction.

Copilot Money operates on a paid subscription model: $13/month on monthly billing or $95/year (equivalent to $7.92/month), with a free trial available before connecting accounts. The company emphasizes privacy, data ownership, and ad-free operation as justifications for the subscription fee rather than offering a freemium model. It received recognition as an Apple Design Awards finalist and was featured in various "must-have finance apps" roundups.

The target audience includes users aged 25–45 with multiple income streams, investment accounts, or complex financial situations who value visual analytics and automation over spreadsheet management. Early users report satisfaction with spending insights and long-term financial planning capabilities.

Competitors include YNAB