Copilot: Track & Budget Money

Copilot: Track & Budget Money

Spending, investing, net worth

30K ratings
931 reviews
#5 in top-grossing Finance
📊 Productivity
💰 Finance
Free
In-App Purchases

Details

  • Released
  • Updated
  • August 19, 2019
  • August 18, 2026

Features

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Copilot: Track & Budget Money screenshot #8 for iPhone
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About

This app provides a clear and simple way to manage your finances. It offers smart tools for categorizing spending, budgeting, and tracking investments, all with bank-level security and personalized support. Reclaim control of your financial data with an intuitive interface.

AI-powered transaction categorization
Adaptive budgeting based on habits
Subscription tracking
Investment performance tracking
Savings goals management
Cash flow visualization
Bank-level security
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What users say

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What's New in Copilot

8.3.0

August 18, 2026

In this release: • Fixed: A few minor bug fixes and improvements.

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Subscription plans

Copilot Subscription

Copilot Subscription

$13.001 Month
1 Month trial
How to cancel Copilot subscription ⁉️

Charts

Top Grossing

📉 5-1

Finance

This app dropped -1 position in Finance chart.

Last updated on September 17, 2026.

Events

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User reviews

App works great!

For personal use it expensive for the monthly subscription. No one time payment for app

Cannot Get it to Login on Mac

I have downloaded this app on multiple devices and they have all worked great. I downloaded the app on my Mac and it will not login. I have deleted and updated the app and it still continues to not login.

Very intuitive

I’ve tried the free 30 day trials simultaneously with YNAB, Monarch, Quicken Simplifi, and Copilot, and for me Copilot stands above the rest. Especially for my style of budgeting.

The only thing that is missing is to have your credit score displayed on the Dashboard.

Does not auto categorize

I’ve had this app for 3 months and there’s only one thing I wanted it to do. I want to be able to categorize transactions automatically. This app is very very bad at that. At 3 months I still need to manually change each transaction. I canceled because it doesn’t do the most basic thing it’s supposed to do. Wave is not very good at this but 100X better than this app. I don’t understand how an app like like this is getting 5 stars ratings if the auto categorization is only 10% accurate. I wish there were a way to know if the app has improved but after I cancelled and informed the developers of the bugs that seemed to prevent all auto categorization the declined to offer me a second free trial so I can’t actually know if it works now unless I pay $30/m — as an app developer myself I’m also aware $30/m is very very expensive so maybe I’ll try to build this myself and use local LLMs and sell for a one time price.
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I like it better than Monarch, hope it continues to grow

I tried a bunch of different budgeting apps before choosing this one. Monarch was the only other one that came close, but this won out because it was more straightforward and easy to budget and honestly looks better. I know app developers probably get tips all the time, but my two cents that I’d love to suggest would be: 1. Please provide a way for the widget background to be white. :( I use it for my shopping category and it really bothers me that i can’t just make it white. 2. I know a bunch of people hate ai but I personally would definitely use and love an ai assistant like Monarch has to help me organize and think through things. 3. I kinda wish the category section would actually be named budget, but I wish far more that I could drag up and down the categories to reorganize them instead of them being stuck in that order. Same with my bank accounts. That also really bugs me.
All in all, I really like and appreciate this app and plan to continue using it. I hope it continues to grow and improve.
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User experience

🐞

Reported Bugs

3 issues

Inconsistent transaction categorization and rule application

Bug

Occasional data sync issues and loss of historical transaction data

Bug

Sluggish performance on some devices, especially the Mac app

Bug

Requested Features

4 requests

Add web/desktop app for better usability

Feature

Improve support for joint accounts and shared budgeting

Feature

Implement more flexible budgeting and savings goal features

Feature

Enhance transaction search and filtering capabilities

Feature

FAQ

What does Copilot: Track & Budget Money do?

Copilot is a personal finance app designed to give you clarity into your money. It helps you categorize spending, create budgets, track subscriptions, manage savings goals, and monitor investments. The app aims to simplify your financial life with intelligent automation and a user-friendly interface.

What are the key features of Copilot?

Key features include AI-powered automatic categorization of thousands of transactions, adaptive budgets that adjust to your habits, subscription tracking to monitor recurring expenses, and investment tracking to view performance. It also offers savings goals, cash flow visualization, and bank-level security to protect your data.

How much does Copilot cost?

Copilot operates on a paid subscription model, meaning it does not display ads or sell user data. A free one-month trial is available for users to experience the app before committing to a subscription.

What financial institutions does Copilot support?

Copilot can connect to over 10,000 financial institutions, including popular services like Venmo, Coinbase, Amazon, and Apple Card. Currently, the app is compatible with US financial institutions only.

Who is Copilot best suited for?

This app is ideal for individuals who want a comprehensive and secure tool to understand their financial habits, budget effectively, and keep track of their investments. It's particularly useful for those who appreciate automated categorization and personalized financial insights without intrusive advertising.