Copilot: The Smart Money App

Copilot: The Smart Money App

By Copilot Money, Inc.

  • Category: Finance
  • Release Date: 2019-08-19
  • Current Version: 1.36.4
  • Adult Rating: 4+
  • File Size: 66.43 MB
  • Developer: Copilot Money, Inc.
  • Compatibility: Requires iOS 12.0 or later.
Score: 4.78945
From 1,933 Ratings


Featured by Apple: "With elegant graphs and an interface that’s a genuine joy to use, Copilot helps you visualize exactly where your money is going; its smart algorithms, driven by machine learning, are especially adept at automatically categorizing transactions. Neat trick: The app scours your transactions to uncover recurring charges you might be overlooking." KEY FEATURES - Automatic tracking and categorization of your spending - Automatic tracking of your investments - Automatic tracking of your recurring expenses - Best-in-class iOS 14 widgets - Unlimited custom categories - Dark mode - No ads, 100% private - Support for Venmo, Coinbase, Apple Card Statements, Capital One, and 10,000+ other institutions Copilot is a beautifully designed home for your finances. It automatically tracks your accounts and helps you navigate your finances throughout the month. It also finds and tracks your subscriptions and bills, notifies you when you get paid, and shows you an end-of-month summary that accurately reflects where your money went and how your net worth changed. On Copilot everything is customizable, and you can easily train it to better understand your finances. You can also connect your investment accounts to see your holdings and balances alongside the rest of your accounts. Do you want to share your Copilot account with a partner? No problem! The app can run on multiple devices at the same time. Copilot is a subscription app. Our yearly subscription ends up being roughly $5.80 per month, $69.99 per year. This allows us to provide a personalized and secure experience and gives you full, unlimited access to the app– no hidden fees, gated features, or ads. Our goal is to build a home for your finances where your satisfaction with the product is the only thing that matters. Read our reviews! ► The future of personal finance Copilot uses machine learning to deliver powerful, hyper-personalized insights that help you effortlessly understand and manage how you spend, save, and invest your money. Transactions are organized automatically so they’re as easy to search, sort, and filter as your email inbox. The app uses crowdsourced feedback and machine learning to continuously improve the experience for everyone who uses it. ► All your accounts, in one place Copilot keeps track of all your bank, credit, and investment accounts so you don’t have to– just link them once and we’ll take care of the rest. Do you have an Apple Card? You can import your statements directly from the Wallet app. You’ll receive daily and monthly account summaries for peace of mind and get notified if anything needs your attention. ► Tailor-made budgets without the headache Copilot creates realistic budgets for you based on your actual spending habits and expenses to help keep your spending on track. Recurring bills and subscriptions are automatically detected and included in your budgets, so there’s never any guesswork or end-of-month surprises. You can turn on Budget Rollovers to easily track spending across multiple months. ► With Copilot, you’re in the driver’s seat Choose exactly which notifications you want to receive. Create custom budget categories and name them whatever you want (emojis included). Switch from light to dark mode. The app is designed to adapt to your behavior and preferences over time, and any adjustments you want to make are a simple swipe or tap away. ► Private and safe, as it should be Copilot protects your information with bank-level security and has read-only access from your financial institutions. We treat your personal data like we’d want ours to be treated, which means never selling or sharing it with third parties. Ever. Copilot currently works with US financial institutions only. Learn more at Terms of Service: Privacy Policy:



  • Best budgeting app that exists today

    By Jinnnyyy
    This is by far the best budgeting app that is available today. Yes, it’s not free but it’s only like $75? dollars per year and it literally will sync all your bank and investment accounts including Betterment, Robinhood and even Coinbase. Their interface is easy to navigate and intuitive, and their dev team is super transparent with what they are working on and what is and is not in their product roadmap. The only thing they need to do is to develop a web platform but I believe that’s already in the works currently. If you are serious about keeping track of your money, definitely try out this app.
  • Smartly designed and elegant

    By stackptr_
    Blown away by how well this app works. The interface strikes a great balance between form and function. As a Mint user going on a decade, I have certain expectations for budgeting apps, and all the features I want are generally where I’d expect them to be. I’ve had to do very little searching in order to figure out how to do something, which illustrates how thoughtfully this product has been designed. Backing the interface is some great engineering. Creating rules to organize transactions works nearly flawlessly, recurring transactions are tracked easily, and while there is some initial setup, the day-to-day tracking is dead simple and hands off. As far as integration goes, Copilot seems to support anything Plaid supports, making it likely that the only product with better support for various institutions is Mint. However, there is some very cool integrations for Apple Card and Venmo. While I’m on the free trial, it’s almost certain I’ll subscribe. I’ve been wanting a service like this for years, ever since Mint’s acquisition, since I prefer not being bombarded by ads for credit cards and the like. The price is also very modest for all the functionality offered. Looking forward to what the future brings. I’d be thrilled to see a tablet or desktop app at some point, but it’s a testament to how well this works that I’m barely ever feeling like I need a larger screen.
  • A great app, tarnished by Plaid

    By MauiBoy
    I love the concept and flow of the app. The developers are great and responsive. But, Plaid (accounts provider) has become the Achilles heel of this app. I have a bank account I have been trying to connect to for nearly a year now — worked fine at first, but no longer. Now, I have 2 other bank accounts that fail to validate with the exact code sent by the bank via SMS or email. The bank accounts’ apps work fine and so does that other minty-fresh app. So, Plaid is the common culprit. Support for Copilot is great, but their hands are tied on this one. Time to consider something different...
  • Honestly I’m blown away

    By zsgott
    I’ve used more personal finance apps than I’d like to admit. I don’t know how, but the Copilot team has nailed it; everything is exactly where it should be. I’m ashamed to admit I saved over $500 in my first month using the app (which may say more about my financial incompetence than anything). I’ve run into a few bugs but their team gets back to me immediately and either has the answer or resolves the issue in short order. If I could only keep 1 app on my phone, this is the one I’d choose... it’s that good.
  • If it worked it would be great

    By Jbigboss
    Unfortunately I have been trying to link an account for weeks with no luck. Every time there is an error. Yes I can log into that account just fine it just won’t link on this app. Without being able to link all accounts just not worth it. If you can link all your accounts it’s a great app.
  • Efficient, Secure and Intuitive

    By TomServo72
    I am so glad I tried this app out! I’ve been on the hunt for an alternative to my current finance app and stumbled across this guy in a few “Top Financial apps” online articles. The design is very clean and modern, while still providing all of the information you need for each account. I've been using Copilot for the past month and unlike every other finance app I’ve used, this is the only one I haven’t had to reconnect my accounts! Like most people, I really admire the amount of emphasis and energy put in to their commitment to privacy and security. Copilot definitely feels like it was built for iOS :) As far as suggestions to improve the app, I’d really like to have an option to make the text larger, as it does tend to get a bit cramped. I know you can enlarge the display in the iPhone settings, but this app is really the only one that appears much smaller than the rest.
  • Love it 😁

    By DrBeePhD
    Just good old fashioned software that works as it should. Totally worth paying to not have any ads or anything else shoved down our throats like so many other apps.
  • Great app but bank refresh is too slow

    By Thanhgod
    I understand there are a variety of reasons to slow down refresh. I think there needs to be a lower maximum time between refreshes (1/week?) or an option for manual pull refresh. My schwab accounts have not refreshed in over 3 weeks which is frustrating. Great app otherwise
  • Excelente app pero le falta madurar

    By mairelyscp
    Esta calificación será en español porque entiendo que, a pesar de ser una app buenísima, le falta el idioma español que me parece súper fundamental, y no creo que a estas alturas una app como esta solo deba estar en un idioma. Me ha encantado la app, es fácil de usar, intuitiva, cool y súper práctica, pero le falta madurar. Una versión web me hubiera hecho olvidar lo del idioma hahaha. Y también creo que deben optimizar una mejor versión para el iPad (aunque la versión de iPhone y web estarían más que bien).
  • Simply the Best

    By aperfectnumber6
    Hands down the best personal finance app out there. I’ve been using for 18 months and makes budgeting and tracking expenses across multiple accounts/banks a snap. Great pace of innovation as well, with new features added regularly.