# Copilot: Track & Budget Money — Spending, investing, net worth

> Personal finance tracker and budget manager with AI categorization and investment tracking. (iPhone/iPad app by Copilot Money, Inc..)

- Source: https://appshunter.io/ios/app/copilot-track-and-budget-money/id1447330651 (this page in markdown: same URL + `.md`)
- Developer: [Copilot Money, Inc.](https://appshunter.io/developer/1447330650)
- Category: Finance, Productivity
- Price: Free with in-app purchases
- Rating: 4.80/5 from 30,049 App Store ratings · 917 written reviews indexed
- Age rating: 4+
- Requires: iOS 15.6 · 287 MB
- Languages: American English
- Released: 2019-08-19
- Data updated: 2026-08-28
- Monetization: subscription
- User reviews in markdown: https://appshunter.io/ios/app/copilot-track-and-budget-money/id1447330651/reviews.md

## What is Copilot?

Apple Editor's Choice. Apple Design Award Finalist.

"Made the jump from Mint years ago and never looked back. Run, don't walk." -App Store review

"An app that I love and use." -MKBHD


Available on Web, iPhone, Mac, and iPad.
 
Copilot Money is a personal finance app built to help you navigate your finances with confidence. Track spending, budgets, investments, and net worth all in one beautifully designed place. It’s powered by smart automation and built with privacy at the center. We never sell your financial data or show ads.
This app is a great fit whether you like to check your finances daily or only once in a while. Copilot Money brings every corner of your financial life into one place. No more switching between five banking apps. The award-winning design makes it all feel clear instead of chaotic. However you like to engage with your money, it's easy to stay on top of it without the stress.
Ditch the spreadsheets and try it free for one month! 


KEY FEATURES

• All-in-one view: Connect to tens of thousands of financial institutions, including direct integrations with Venmo, Apple Card, and Coinbase.

• Auto-categorization: Copilot Intelligence handles your transactions automatically and learns your habits over time.

• Smart budgets: Adaptive and fully customizable to how you actually spend.

• Subscription tracking: Every recurring charge, including the ones you forgot about.

• Savings goals: Set goals, link accounts and transactions, and track your progress.

• Cash flow: Visualize income, spending, and net income across time to spot trends early.

• Investment tracking: View performance, intra-day updates, and benchmark against market indexes.

• Custom alerts: Notifications for overdraft fees, unusual spending, paydays, and more.

• Human support: Real people in-app, ready to help when you need it.

• Bank-level security: Your data is protected end-to-end.

• Cross-device sync: Access your account via Web, iPhone, Mac, and iPad.


THE BASICS

• Pricing: Monthly or annual subscription with a 1-month free trial

• Platforms: Web, iOS, macOS, and iPadOS

• Institutions supported: 10,000+, US only

• Rating: 4.8 stars, 30,000+ reviews

• Awards: Apple Editor's Choice in Personal Finance, Apple Design Awards Finalist 2024, Apple Must-Have Finance Apps, Webby Award Winner

• As featured in: The New York Times, TechCrunch, The Verge, Forbes


Learn More: copilot.money

Privacy Policy: copilot.money/privacy_policy

California Privacy Policy: copilot.money/california-privacy-notice

Terms of Service: copilot.money/terms_of_service


Copilot Money works with US financial institutions only.

## Key features

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

## Pricing and in-app purchases

Base price: Free.

**Subscriptions**

| Subscription | Price | Period |
| --- | --- | --- |
| Copilot Subscription | $13.00 | per month |
| Copilot Subscription | $13.00 | per month |
| Copilot Subscription | $13.00 | per month |
| Copilot Subscription | $13.00 | per month |
| Copilot Subscription | $13.00 | per month |
| Copilot Subscription | $13.00 | per month |
| Yearly subscription | $95.00 | per year |
| Yearly subscription | $95.00 | per year |
| Monthly subscription | $13.00 | per month |
| Monthly subscription | $13.00 | per month |
| Monthly subscription | $13.00 | per month |
| Copilot Subscription | $13.00 | per month |


## Chart rankings

- #4 in Top Grossing · Finance (US App Store)

## What do users think of Copilot?

Overall sentiment: positive

**Pros**

- 👍 Intuitive and user-friendly interface
- 🚀 Seamless account integration and transaction tracking
- 💡 Customizable budgeting and categorization
- 🔒 Secure and private financial management
- 👍 Responsive and helpful customer support
- 💡 Innovative features like spending rate visualization

**Cons**

- 🐛 Occasional sync and connectivity issues with some financial institutions
- 🔍 Lack of advanced reporting and filtering options
- 🔍 Limited functionality for manual transaction entry and forecasting
- 💰 Relatively high subscription cost compared to free alternatives

**Commonly reported bugs**

- Inconsistent transaction categorization and rule application
- Occasional data sync issues and loss of historical transaction data
- Sluggish performance on some devices, especially the Mac app

**Most requested features**

- Add web/desktop app for better usability
- Improve support for joint accounts and shared budgeting
- Implement more flexible budgeting and savings goal features
- Enhance transaction search and filtering capabilities

## Recent user reviews (10 of 917)

All indexed reviews: https://appshunter.io/ios/app/copilot-track-and-budget-money/id1447330651/reviews.md

### 5/5 — Easy Button

*2026-08-21, version 8.3.0*

This makes tracking my finances so much easier

### 5/5 — Amazing !

*2026-08-20, version 8.3.0*

Just the app for me

### 3/5 — Great visuals, but lacking

*2026-08-19, version 6.4.4*

What a fantastic app but it is missing a few critical items:
1. Ability to see/edit transaction rules
2. Comprehensive reporting
3. Useful and flexible investment module 
4. Multiple (and visible)  income categories

While I understand that some of these items are in keeping with the Apple experience, they are keeping me from transferring all my accounts to Copilot.

### 4/5 — Amazon sync goes to far back

*2026-08-19, version 8.3.0*

I was excited to unlock the AI and see how this could help with reviewing transactions, but ended up deleting my account just before that happened. The Amazon sync goes back several years without a choice with no way to see and delete older items that aren’t linked to card charges. This seems intrusive especially since the card charges only go back a couple years (though there should be a choice with that as well). I had everything all setup when this happened and I ended up deleting my account to remove it the data from the servers hopefully. It made me feel like they were data mining even if that wasn’t the intention. I also wish it would oauth with more banks instead of having to go through plaid who has a privacy policy I don’t like. Lastly, I feel the budget magic wand should give the option to exclude categories for decreasing like 
loans, etc. Thanks and sorry for leaving feedback here, I checked the website first but couldn’t find a feedback link.

### 5/5 — Looks great

*2026-08-17, version 8.2.9*

Everything in one place shows you where you really stand and are able to Adjust

### 1/5 — Doesn’t work as it used to

*2026-08-17, version 8.2.9*

I used to love this app, but now it’s not working as it’s meant to be. I have submitted multiple tickets and they always give me the same answer as they’re working on fixing it but it’s been the same issues for the whole year. They had added a goal for spending so it doesn’t affect your current budget but that feature is a joke. Since I first added a goal to a transaction all of my budgets have been wrong. I can’t even tell how much I’m spending and how much is left accurately to spend for the rest of the month. I’m just waiting for my subscription to run out and go find another app. It’s disappointing since I have used this for many years and this year it’s the first time where they haven’t updated and fixed these big issues.

### 5/5 — Waiting for Apple Watch compatibility

*2026-08-16, version 8.2.9*

I would like to add to Apple Watch compatibility to have a more affordable handling of my finances

### 5/5 — Pay for it

*2026-08-16, version 8.2.9*

Great dashboard, easy to use, saves time, it’s accurate. Worth the money.

### 3/5 — From 5 to 3 stars

*2026-08-16, version 8.2.9*

I love the interface because it’s colorful and easy to navigate. It’s so easy to categorize transactions and see where all of your money is. The rollover feature is perfect for me rather than having to track individual sinking funds. It didn’t take long to set up at all, and it shows me everything I need without having to run reports or search for it, such as the average amount I’m spending per category per month, which updates automatically. I’m switching from YNAB, and I hated the give every dollar a job model. In Copilot Money, you don’t have to move assigned dollars between categories every time money moves between your accounts. This app has given me the flexibility I need in my budget while still maintaining control over my finances. My one suggestion is to add an auto-distribute function for splitting transactions so I don’t have to manually calculate sales tax for each category.

EDIT: I have canceled my free trial and will be going back to spreadsheets. So far the customer support has been good. One of my accounts will not connect and they have been working diligently to resolve the issue - much appreciated. However, I discovered that a bunch of my transactions are missing. Initially, when I connected my accounts, it imported 2 1/2 years worth of data. I had to manually delete everything prior to this year, which was difficult because I kept trying to delete things and they wouldn’t disappear so I had to do it repeatedly. Now I’m discovering that most of my categories are missing transactions between January and April 2026. I tried entering them manually but it’s a bit tedious. I can’t customize the color of the accounts and when I search for them, the font is too small so it’s difficult to find the one I’m looking for plus they always come up in a different order. I also don’t like that I cannot re-order my categories or my recurrings. Speaking of recurrings, the app is not recognizing new transactions, even though I have set up a rule for the name. Some of my recurrings are duplicated and I can’t rename them. Visually the list is a mess. In addition, I have to agree with other users that there is no easy way to see what is available to spend. I find myself toggling back-and-forth between the cash flow tab, the dashboard and my categories but still not feeling certain about the information it’s giving me. Yesterday I was reviewing new transactions and one of them was categorized incorrectly even though I have at least five other transactions from the same place. When I re-categorized it, I found that all the previous transactions were also categorized incorrectly, even though I’ve already gone through every single transaction in my history and made sure that it was right. Somehow it got changed? I really like the layout of this app and at first it seemed great but now I’m finding too many functional errors.

### 3/5 — Issues prevent me from using

*2026-08-14, version 8.2.9*

I want to like this app. I really want to like it. It promises so many great things. Unfortunately, if you do not have one of the major five banks, you will probably have issues. I have a small, smaller credit union, and and there are constant issues with syncing, correct balances, and just getting it to work in general. I downloaded this in spent more time talking with support than I have actually using the app. If the issues I’m experiencing aren’t fixed by canceling my subscription.

## Frequently asked questions about Copilot

### 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.

## Version history (last 5 releases)

### 8.3.0 — 2026-08-18

In this release:

• Fixed: A few minor bug fixes and improvements.

### 8.2.9 — 2026-08-05

In this release:

• Fixed: A few minor bug fixes and improvements.

### 8.2.8 — 2026-08-03

In this release:

• Fixed: A few minor bug fixes and improvements.

### 8.2.7 — 2026-07-23

In this release:

• Fixed: A few minor bug fixes and improvements.

### 8.2.6 — 2026-07-09

In this release:

• Fixed: A few minor bug fixes and improvements.

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*Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-28.*