# Copilot Money review

> A beautifully designed money tracker for Apple users, now on the web too
Source: https://budgetingapps.org/apps/copilot (researched 2026-10-24). Research-based review, not hands-on testing.

## Summary

Copilot Money is a subscription personal finance app for iPhone, iPad, Mac and, since December 2025, the web. It categorizes transactions automatically and shows spending, cash flow, investments and net worth in one place. It is US-only and has no Android app. It uses category budgets with rollovers rather than envelopes, and costs about $95 a year after a one-month trial.

**Best for:** US-based Apple users who want a polished, mostly automatic view of spending, cash flow, investments and net worth, and are fine paying a subscription

## Key facts

- Website: https://copilot.money
- Price: $13/month; $95/year
- Rating: 4.1/5
- Free plan: no
- Free trial: 1-month free trial
- Platforms: Desktop, iOS, Web
- Budgeting method: Financial management, Expense tracking
- Founded: 2019
- Bank sync: Yes, US only: 10,000+ institutions through Plaid, Mastercard, MX and Akoya, plus direct connections for Apple Card, Capital One, Public and Coinbase. Venmo works by forwarding emails (Copilot Labs). Connections are read-only.
- Mobile apps: Yes: iPhone, iPad and Mac apps, plus a web app (since December 2025). No Android app.
- Import: Bank connections; transaction data can be downloaded from Settings. CSV import not confirmed.
- Budget sharing: Partners access the same Copilot account using its email address and a forwarded magic sign-in link, rather than separate member logins. Every signed-in device has full control of the account.
- Team: Independent company founded in 2019 by Andrés Ugarte; team size not confirmed. In-app human support, per the vendor.
- Privacy: Vendor says no ads and no selling of financial data, 256-bit encryption at rest and TLS in transit, and that bank logins are never seen or stored by Copilot. You can export your data and delete your account. I found no independent security audit.

## Features

- Envelope budgeting: no
- Automatic bank sync: yes
- Manual transaction entry: yes
- Goal tracking: yes
- Debt payoff tools: no
- Investment tracking: yes
- Bill reminders: yes
- Reports & charts: yes
- Multi-currency: no
- Shared / household budgets: no
- Separate logins for shared budgets: no

## Pros

- Design: Apple Design Award finalist (2024) and Apple Editor's Choice, per the vendor, and a 4.8-star App Store rating on about 50K ratings
- Automatic categorization that the vendor says learns your habits, so less manual entry
- Investments with live estimates, allocation views and real estate alongside spending, so net worth is in one place
- Budgets with rollovers, recurring and subscription tracking, custom alerts and savings goals
- One subscription covers iPhone, iPad, Mac and the web app
- No ads and no selling of financial data, per the vendor; data can be exported and accounts deleted
- Real people answer support in the app, per the vendor
- Forbes Advisor gave it a 5.0 for cash flow monitoring after hands-on testing

## Cons

- Subscription only: about $13/mo or $95/yr, with a 1-month trial and no free tier (monthly price from Forbes Advisor; the vendor's homepage shows the $95 yearly plan)
- US only: connects to US financial institutions and accounts, per the vendor's FAQ
- No Android app; the web app launched in December 2025 and is optimized for desktop browsers
- The web app is still missing several tabs and features the Apple apps have, including Goals, Cash Flow, transaction name rules and Amazon itemization (per the vendor's Web FAQ, June 2026)
- Not an envelope or zero-based budgeter: budgets use categories with rollovers, so it suits tracking more than assigning every dollar
- No true multi-user sharing: to share, a partner signs in with a magic link and gets full control of the account. A Forbes Advisor review calls it clunky for couples with joint and individual accounts
- Bank connections rely on aggregators (Plaid, Mastercard, MX, Akoya); the vendor says outages can happen, and deleting an account removes its balance history
- The AI Money Assistant and MCP access are still in beta or waitlist

## Our review

### The short version

Copilot Money is a polished personal finance app that pulls your accounts together, tags transactions automatically, and shows spending, cash flow, investments and net worth in one calm interface. It began as an Apple-only app and added a web version in December 2025. It is US-only and subscription-only, and it is a tracker more than a give-every-dollar-a-job budgeting tool.

This review is based on research: the vendor's homepage, FAQ, privacy page, help center and release notes, plus Forbes Advisor and The Penny Hoarder. I did not sign up for the trial or connect a bank, so I am not claiming hands-on experience.

### Where it came from

According to the vendor's FAQ, Copilot Money was founded in 2019 by Andrés Ugarte. The company says it earned Apple's Editor's Choice in Personal Finance and was a 2024 Apple Design Award finalist. The vendor's FAQ also notes it has no affiliation with Microsoft's Copilot. I did not verify its funding or team size.

### What it does

- **Spending and cash flow.** Transactions are categorized automatically and improve over time, per the vendor. Cash flow charts show income, spending and net income.

- **Budgets with rollovers.** You set category budgets, and unspent money can roll into later months. This is category-style budgeting, not an envelope system where you assign every dollar.

- **Recurring bills and subscriptions.** It spots subscriptions and shows upcoming charges. Custom alerts cover things like overdraft fees, unusual spending and paydays.

- **Investments and net worth.** Live balance estimates, allocation views, and real estate tracked from an address. Assets and liabilities roll into net worth.

- **Goals and splits.** Savings goals tied to accounts, and transaction splits across categories.

- **Assistant (beta).** A Money Assistant can suggest and, with your approval, make edits. An MCP connection for other AI tools is in beta by waitlist. Treat both as unfinished.

### Cost

- **Yearly:** $95 (the vendor's homepage shows it as $7.92 a month).

- **Monthly:** about $13, according to Forbes Advisor. I could not read the vendor's monthly price directly, so check it before subscribing.

- **Trial:** one month, per the vendor. It also lets you look around the app before connecting any account.

- **No free tier and no lifetime plan.** The vendor says revenue comes only from subscriptions.

- **Billing route:** subscribing through the App Store and subscribing through the web or Stripe are separate, and you manage the subscription where you signed up.

### Platforms: the web app is new and still catching up

Copilot runs on iPhone, iPad, Mac and the web. There is no Android app, and I found no announced plan for one. The web app arrived in December 2025 and is optimized for desktop browsers. The vendor's Web FAQ (June 2026) says it still lacks some things the Apple apps have:

- Goals and Cash Flow tabs

- Transaction name rules

- Adding real estate and archiving categories

- Amazon itemization and Venmo setup

The web app does have its own split transaction flow and transaction filtering with totals. If you rely on those missing features, plan to use an Apple device.

### Bank connections

The vendor says it supports 10,000+ US institutions and works with US accounts only. Most connections go through Plaid, with Mastercard, MX and Akoya covering others. There are direct connections for Apple Card, Capital One, Public and Coinbase. Venmo is handled by forwarding emails, and Amazon by a Copilot Labs feature. Connections are read-only, and the vendor says it never sees or stores your bank login.

As with any aggregator, connections can fail. The vendor's help page advises contacting support before deleting and reconnecting an account, because deleting an account removes its balance history.

### Sharing with a partner

There is no separate partner profile. The vendor's help center says to share access by forwarding a magic sign-in link, and warns that any additional signed-in device has full control of the account. Forbes Advisor also found it clunky for households with joint and individual accounts. If you and a partner each want your own view and permissions, that is a real limitation.

### Privacy

The vendor says it does not show ads or sell financial data. It describes 256-bit encryption at rest, TLS in transit, and Google Cloud hosting. You can download your transaction data from Settings and delete your account. I found no independent security audit. If you use the AI features, read what the vendor says about how your data is used.

### Independent opinions

Forbes Advisor gave it 5 stars in its own testing and named it best for cash flow monitoring. It also lists the lack of an Android app and the clunky couples experience as downsides. The vendor's homepage highlights a 4.8-star App Store rating on about 50K ratings. Its testimonials are picked by the company, so I did not count them as evidence.

### Who it suits

- Apple users in the US who want a clean, mostly automatic picture of their money.

- People who care about investments and net worth as much as day-to-day spending.

- People who prefer to review transactions rather than plan every dollar in advance.

### Who might look elsewhere

- Anyone on Android, or outside the US.

- Anyone who wants strict envelope or zero-based budgeting.

- Couples who need separate logins and permissions.

- Anyone who wants a free tier.

### Bottom line

Copilot Money is one of the best-designed finance trackers around, according to the vendor and to reviewers I read. It is best as a place to see everything and catch problems early. It is not an envelope budgeter, it is US-only, and the web app is still catching up. If those limits do not bother you, the trial is a low-risk way to decide.

## Sources

- [Copilot Money pricing](https://copilot.money/pricing) (retrieved 2026-10-24)
- [Copilot Money for Web help article](https://help.copilot.money/en/articles/11780342-copilot-money-for-web) (retrieved 2026-10-24)
- [Copilot Money App Store listing](https://apps.apple.com/us/app/copilot-track-budget-money/id1447330651) (retrieved 2026-10-24)
- [Copilot partner account-access instructions](https://help.copilot.money/en/articles/4523792-sharing-your-account-with-a-partner) (retrieved 2026-10-02)